# EDGAR Filing Document

**Accession Number:** 0002140424
**File Stem:** 0001213900-26-073781
**Filing Date:** 2026-6
**Character Count:** 9357061
**Document Hash:** 30781e52f0f206435d114fbf98b2f71b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-073781.hdr.sgml**: 20260630

**ACCESSION NUMBER**: 0001213900-26-073781

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

**PUBLIC DOCUMENT COUNT**: 31

**CONFORMED PERIOD OF REPORT**: 20260630

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

**FILED AS OF DATE**: 20260630

**DATE AS OF CHANGE**: 20260630

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-RPL1 LLC
- **CENTRAL INDEX KEY:** 0002140424

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08573
- **FILM NUMBER:** 261141386

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-RPL1 LLC
- **CENTRAL INDEX KEY:** 0002140424

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-RPL1 LLC
- **CENTRAL INDEX KEY:** 0002140424

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003

OMB Number: 3235-0675

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

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

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

------

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

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

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

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

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

Central Index Key Number of sponsor: <u>0002140424</u> 

NEW RESIDENTIAL MORTGAGE LOAN TRUST 2026-RPL1

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

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u>

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u> 

Philip Sivin, 212-798-6100

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

**FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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

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

**SIGNATURES**

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

---

| | | | | |
|:---|:---|:---|:---|:---|
|  |  | NEW RESIDENTIAL FUNDING 2026-RPL1 LLC | NEW RESIDENTIAL FUNDING 2026-RPL1 LLC | NEW RESIDENTIAL FUNDING 2026-RPL1 LLC |
| Date: | June 30, 2026 | By: | /s/ Nicola Santoro, Jr. | /s/ Nicola Santoro, Jr. |
|  |  |  | Name: | Nicola Santoro, Jr. |
|  |  |  | Title: | Chief Financial Officer |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report - AMC Executive Summary](ea029650001_ex99-1.htm)

[Schedule 1 – Data Compare](ea029650001_ex99-1sch1.htm)

[Schedule 2 – Exception Grades Report](ea029650001_ex99-1sch2.htm)

[Schedule 3 – Exceptions & Grades Report](ea029650001_ex99-1sch3.htm)

[99.2 - Third Party Due Diligence Report - Opus Executive Summary](ea029650001_ex99-2.htm)

[Schedule 1 – Exception Level Report](ea029650001_ex99-2sch1.htm)

[Schedule 2 – Rating Agency Grades](ea029650001_ex99-2sch2.htm)

[Schedule 3 – Loan Level Exceptions](ea029650001_ex99-2sch3.htm)

[Schedule 4 – Data Compare](ea029650001_ex99-2sch4.htm)

[Schedule 5 – Title Report](ea029650001_ex99-2sch5.htm)

[99.3 - Third Party Due Diligence Report – Clayton Executive Summary](ea029650001_ex99-3.htm)

[Schedule 1 – Conditions Detail](ea029650001_ex99-3sch1.htm)

[Schedule 2 – Loan Level Tape Compare](ea029650001_ex99-3sch2.htm)

[Schedule 3 – Loan Grades](ea029650001_ex99-3sch3.htm)

[99.4 - Third Party Due Diligence Report – Infinity Executive Summary](ea029650001_ex99-4.htm)

[Schedule 1 – Disposition & Comments](ea029650001_ex99-4sch1.htm)

[Schedule 2 – Findings Detail](ea029650001_ex99-4sch2.htm)

[Schedule 3 – Rating Agency Grades](ea029650001_ex99-4sch3.htm)

[Schedule 4 – Data Compare](ea029650001_ex99-4sch4.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed due diligence services as described below utilizing various scopes of review (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Rithm Capital ("Client"), in multiple transactions and were reviewed by AMC on behalf of the Client. The mortgage loans were reviewed via files imaged and provided to AMC by the Client, a Selling Party or their designees for review.

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

The Review was conducted on the portion of the securitization mortgage loan population reviewed by AMC. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC may or may not have reviewed all of the mortgage loans in the securitization loan population for a specific scope of review. During the course of the selection of the final securitization population mortgage loans may have been eliminated from originally envisioned securitization population for reasons that are unknown to AMC. Within the final securitization mortgage loan population, the Review sample was broken down into the following review scopes:

"Compliance Only Review" 2,480 mortgage loans <br> "Data Integrity Review": 2,480 mortgage loans

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

The sample size of the Review was conducted consistent with the criteria for the NRSRO(s) identified in Item 3 of the Form ABS Due Diligence-15E.

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

**Data Integrity Review:** AMC performed a review utilizing information collected during the Review and comparing such information against the data tape. This comparison included 73 fields as listed below. Additional detail is contained in the Data Integrity Review Summary below.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Rate Initial Maximum | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Interest Rate Initial Minimum | &nbsp;&nbsp;Original PITI |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Other Financing - Lien Position 2 - Current Balance |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount |
| &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Payment Adjustment Cap % |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Payment Change Frequency |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;PMI Company |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;PMI Coverage % |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Maximum Balance % | &nbsp;&nbsp;Recast Beginning Month |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Recast Frequency Months |
| &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Next Interest Rate Change Date | &nbsp;&nbsp;Representative FICO |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Rounding Factor |
| &nbsp;&nbsp;Index Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original Interest Rate |  |
| &nbsp;&nbsp;Interest Only Period Expiration Date | &nbsp;&nbsp;Original Interest Rate Period |  |

---

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

N/A

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

AMC did not complete a value review as part of the Review.

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

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (2,311 Mortgage Loans)</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures; and

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014 (169 Mortgage Loans)</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by AMC. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor provided the borrower a list of homeownership counseling organizations within
three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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

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

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

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

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

AMC reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, AMC notes if an originator loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, AMC reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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

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

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

 

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

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

 

*Note*: for loans designated as QM – agency eligible, AMC will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

With regard to General Ability to Repay testing, the compliance review was performed with the following considerations with respect to guideline deviations. Note, the following considerations are limited to General ATR (Non-QM, ATR Risk, ATR Fail) evaluation and do not apply to Qualified Mortgage (QM) reviews.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compensating factors for Guideline Deficiencies –
Compensating factors are not permitted to override, waive, or trump any of the 8 factors under 1026.43(c) that were not addressed by lender
based on the documents in the loan file. Compensating factors may be considered in reducing the severity of guideline deficiencies
in cases where the file contains evidence that the related ATR factor was addressed and considered, but did not have strict adherence
to guideline requirements (e.g. Guidelines require 2 years tax returns and file contains 1 year tax returns).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Present but deficient documentation – To the extent
there is a documentation deficiency, but file contains evidence that the ability to repay component was considered (e.g. Guidelines require
signed and dated tax returns and file contains unsigned undated tax returns), an EV2-B level exception will be cited for the deficiency
in the documentation against guidelines. On the contrary, if Guidelines require signed and dated tax returns and file does not contain
any tax returns or transcripts, finding will be reported as an EV3-C and yield a QM/ATR loan designation of ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Lender Policies Overlay – Lender policies that
act as an overlay or clarification of their approach to underwriting beyond the guidelines are considered in the review to determine if
loan documentation adheres to guidelines. No exception will be cited for guideline deviations that otherwise adhere to or meet requirements
set forth in Lender Policies. Provided there are no other open EV3-C ability to repay findings, loans with guideline deviations with documentation
that adheres to or meets requirements set forth in Lender Policies will yield a QM/ATR loan designation of Non-QM.

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

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

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

**(9) Disclaimer.**

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

**RESULTS SUMMARY (2,480 mortgage Loans)**

Pursuant to the applicable NRSRO criteria, AMC graded certain compliance exceptions as non-material based upon seasoning of the mortgage loans. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than rescission, which is raised as a defense to foreclosure. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan.

**COMPLIANCE REVIEW FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (2,210 Mortgage Loans)**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall: NRSRO Grade (Fitch)** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;365 | &nbsp;&nbsp;14.72% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1846 | &nbsp;&nbsp;74.44% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;34 | &nbsp;&nbsp;1.37% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;235 | &nbsp;&nbsp;9.48% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2480** | &nbsp;&nbsp;**100.00%** |

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**REVIEW EXCEPTION SUMMARY (2,480 Mortgage Loans)**

The summaries below detail the exceptions from the Compliance Review that would have resulted in a "B", "C", or "D" grade for a given mortgage loan. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Fitch Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;234 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Note | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Compliance Grade (D) Exceptions:*** | &nbsp;&nbsp;***235*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***59*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1626 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;1078 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;867 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;559 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete GFE | &nbsp;&nbsp;480 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;387 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;354 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final TIL | &nbsp;&nbsp;313 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;LTV Test | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;197 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Safe Act | &nbsp;&nbsp;178 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TIL-MDIA | &nbsp;&nbsp;125 |

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| | |
|:---|:---|
| &nbsp;&nbsp;Missing Required Data | &nbsp;&nbsp;112 |
| &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;94 |
| &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;State Defect | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;ECOA | &nbsp;&nbsp;45 |
| &nbsp;&nbsp;Missing, Incorrect, or Incomplete Initial TIL | &nbsp;&nbsp;34 |
| &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Final TIL Estimated | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;FHA | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***7145*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**7439** |

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**DATA INTEGRITY REVIEW SUMMARY (2,480 Mortgage Loans)**

The Data Integrity Review was completed to compare information collected by AMC during the course of the review on loans reviewed by AMC for compliance versus the provided data tape. In total, AMC identified 73 fields that were compared across various loans in the population. Some of the comparison fields are conditional based on loan characteristics (ex. ARM vs. Fixed); however, AMC, in the counts below, has included in the total comparison population all loans in the securitization population regardless of whether such data field may have been applicable for the loan in questions such that a N/A is equivalent to not exhibiting a variance.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;21 | &nbsp;&nbsp;792 | &nbsp;&nbsp;2.65% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;63 | &nbsp;&nbsp;1066 | &nbsp;&nbsp;5.91% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;115 | &nbsp;&nbsp;613 | &nbsp;&nbsp;18.76% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;173 | &nbsp;&nbsp;237 | &nbsp;&nbsp;73.00% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;31 | &nbsp;&nbsp;596 | &nbsp;&nbsp;5.20% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;890 | &nbsp;&nbsp;1950 | &nbsp;&nbsp;45.64% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;132 | &nbsp;&nbsp;1950 | &nbsp;&nbsp;6.77% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;64 | &nbsp;&nbsp;131 | &nbsp;&nbsp;48.85% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;62 | &nbsp;&nbsp;1078 | &nbsp;&nbsp;5.75% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;109 | &nbsp;&nbsp;2480 | &nbsp;&nbsp;4.40% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;327 | &nbsp;&nbsp;616 | &nbsp;&nbsp;53.08% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;53 | &nbsp;&nbsp;616 | &nbsp;&nbsp;8.60% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;23 | &nbsp;&nbsp;46 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;60 | &nbsp;&nbsp;371 | &nbsp;&nbsp;16.17% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;349 | &nbsp;&nbsp;743 | &nbsp;&nbsp;46.97% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;399 | &nbsp;&nbsp;624 | &nbsp;&nbsp;63.94% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;91 | &nbsp;&nbsp;108 | &nbsp;&nbsp;84.26% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;60 | &nbsp;&nbsp;80 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;107 | &nbsp;&nbsp;2354 | &nbsp;&nbsp;4.55% | &nbsp;&nbsp;2480 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;138 | &nbsp;&nbsp;218 | &nbsp;&nbsp;63.30% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Index Value | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;12 | &nbsp;&nbsp;394 | &nbsp;&nbsp;3.05% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;67 | &nbsp;&nbsp;674 | &nbsp;&nbsp;9.94% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;3 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Only Period Expiration Date | &nbsp;&nbsp;185 | &nbsp;&nbsp;202 | &nbsp;&nbsp;91.58% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;107 | &nbsp;&nbsp;151 | &nbsp;&nbsp;70.86% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;22 | &nbsp;&nbsp;26 | &nbsp;&nbsp;84.62% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Rate Initial Maximum | &nbsp;&nbsp;34 | &nbsp;&nbsp;42 | &nbsp;&nbsp;80.95% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Rate Initial Minimum | &nbsp;&nbsp;37 | &nbsp;&nbsp;42 | &nbsp;&nbsp;88.10% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;36 | &nbsp;&nbsp;38 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;174 | &nbsp;&nbsp;192 | &nbsp;&nbsp;90.63% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;182 | &nbsp;&nbsp;255 | &nbsp;&nbsp;71.37% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;189 | &nbsp;&nbsp;255 | &nbsp;&nbsp;74.12% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;260 | &nbsp;&nbsp;336 | &nbsp;&nbsp;77.38% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;96 | &nbsp;&nbsp;122 | &nbsp;&nbsp;78.69% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;523 | &nbsp;&nbsp;1422 | &nbsp;&nbsp;36.78% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1132 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;678 | &nbsp;&nbsp;1746 | &nbsp;&nbsp;38.83% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;272 | &nbsp;&nbsp;433 | &nbsp;&nbsp;62.82% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;506 | &nbsp;&nbsp;2181 | &nbsp;&nbsp;23.20% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Maximum Balance % | &nbsp;&nbsp;4 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;295 | &nbsp;&nbsp;315 | &nbsp;&nbsp;93.65% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;4 | &nbsp;&nbsp;81 | &nbsp;&nbsp;4.94% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Next Interest Rate Change Date | &nbsp;&nbsp;164 | &nbsp;&nbsp;194 | &nbsp;&nbsp;84.54% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;42 | &nbsp;&nbsp;48 | &nbsp;&nbsp;87.50% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;130 | &nbsp;&nbsp;2480 | &nbsp;&nbsp;5.24% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;43 | &nbsp;&nbsp;1003 | &nbsp;&nbsp;4.29% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;263 | &nbsp;&nbsp;1532 | &nbsp;&nbsp;17.17% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;198 | &nbsp;&nbsp;1928 | &nbsp;&nbsp;10.27% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Original Interest Rate Period | &nbsp;&nbsp;124 | &nbsp;&nbsp;149 | &nbsp;&nbsp;83.22% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;28 | &nbsp;&nbsp;2480 | &nbsp;&nbsp;1.13% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;244 | &nbsp;&nbsp;2037 | &nbsp;&nbsp;11.98% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;235 | &nbsp;&nbsp;723 | &nbsp;&nbsp;32.50% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Original PITI | &nbsp;&nbsp;85 | &nbsp;&nbsp;88 | &nbsp;&nbsp;96.59% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;122 | &nbsp;&nbsp;1425 | &nbsp;&nbsp;8.56% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Other Financing - Lien Position 2 - Current Balance | &nbsp;&nbsp;13 | &nbsp;&nbsp;20 | &nbsp;&nbsp;65.00% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Payment Adjustment Cap % | &nbsp;&nbsp;134 | &nbsp;&nbsp;149 | &nbsp;&nbsp;89.93% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Payment Change Frequency | &nbsp;&nbsp;53 | &nbsp;&nbsp;71 | &nbsp;&nbsp;74.65% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;PMI Company | &nbsp;&nbsp;119 | &nbsp;&nbsp;163 | &nbsp;&nbsp;73.01% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;PMI Coverage % | &nbsp;&nbsp;247 | &nbsp;&nbsp;300 | &nbsp;&nbsp;82.33% | &nbsp;&nbsp;2480 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;2 | &nbsp;&nbsp;202 | &nbsp;&nbsp;0.99% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;27 | &nbsp;&nbsp;39 | &nbsp;&nbsp;69.23% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;205 | &nbsp;&nbsp;1132 | &nbsp;&nbsp;18.11% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;82 | &nbsp;&nbsp;1172 | &nbsp;&nbsp;7.00% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Recast Beginning Month | &nbsp;&nbsp;5 | &nbsp;&nbsp;9 | &nbsp;&nbsp;55.56% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Recast Frequency Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;9 | &nbsp;&nbsp;55.56% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;96 | &nbsp;&nbsp;319 | &nbsp;&nbsp;30.09% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;417 | &nbsp;&nbsp;1351 | &nbsp;&nbsp;30.87% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Rounding Factor | &nbsp;&nbsp;59 | &nbsp;&nbsp;76 | &nbsp;&nbsp;77.63% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;2480 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;209 | &nbsp;&nbsp;2440 | &nbsp;&nbsp;8.57% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;338 | &nbsp;&nbsp;2480 | &nbsp;&nbsp;13.63% | &nbsp;&nbsp;2480 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10651** | &nbsp;&nbsp;**53226** | &nbsp;&nbsp;**20.01%** | &nbsp;&nbsp;**2480** |

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**ADDITIONAL SUMMARY**

The summary information below represents data collected during the AMC Compliance Reviews. Some "% of Loans" may not add to 100% due to rounding.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;2126 | &nbsp;&nbsp;85.73% | &nbsp;&nbsp;$368839551.66 | &nbsp;&nbsp;78.69% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;354 | &nbsp;&nbsp;14.27% | &nbsp;&nbsp;$99884352.75 | &nbsp;&nbsp;21.31% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2480** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$468723904.41** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;2480 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$468723904.41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2480** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$468723904.41** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;405 | &nbsp;&nbsp;16.33% | &nbsp;&nbsp;$77868138.53 | &nbsp;&nbsp;16.61% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.24% | &nbsp;&nbsp;$2470125.00 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;411 | &nbsp;&nbsp;16.57% | &nbsp;&nbsp;$89771987.30 | &nbsp;&nbsp;19.15% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;16 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$2718555.00 | &nbsp;&nbsp;0.58% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;568 | &nbsp;&nbsp;22.90% | &nbsp;&nbsp;$90319760.90 | &nbsp;&nbsp;19.27% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;430 | &nbsp;&nbsp;17.34% | &nbsp;&nbsp;$83517867.65 | &nbsp;&nbsp;17.82% |
| &nbsp;&nbsp;Rate/Term Refinance - Lender Initiated | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;$681975.00 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;558 | &nbsp;&nbsp;22.50% | &nbsp;&nbsp;$108405827.64 | &nbsp;&nbsp;23.13% |
| &nbsp;&nbsp;Construction to Permanent | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.20% | &nbsp;&nbsp;$976685.00 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;76 | &nbsp;&nbsp;3.06% | &nbsp;&nbsp;$11992982.39 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2480** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$468723904.41** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.28% | &nbsp;&nbsp;$740261.52 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;88 | &nbsp;&nbsp;3.55% | &nbsp;&nbsp;$13396267.60 | &nbsp;&nbsp;2.86% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;93 | &nbsp;&nbsp;3.75% | &nbsp;&nbsp;$13678376.55 | &nbsp;&nbsp;2.92% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;2230 | &nbsp;&nbsp;89.92% | &nbsp;&nbsp;$422326613.74 | &nbsp;&nbsp;90.10% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;62 | &nbsp;&nbsp;2.50% | &nbsp;&nbsp;$18582385.00 | &nbsp;&nbsp;3.96% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2480** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$468723904.41** | &nbsp;&nbsp;**100.00%** |

---

11 \| P a g e

![](ex99-1_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;1630 | &nbsp;&nbsp;65.73% | &nbsp;&nbsp;$296662410.57 | &nbsp;&nbsp;63.29% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$385901.00 | &nbsp;&nbsp;0.08% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;112 | &nbsp;&nbsp;4.52% | &nbsp;&nbsp;$21219384.10 | &nbsp;&nbsp;4.53% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;14 | &nbsp;&nbsp;0.56% | &nbsp;&nbsp;$3618990.00 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;277 | &nbsp;&nbsp;11.17% | &nbsp;&nbsp;$61387014.95 | &nbsp;&nbsp;13.10% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$488000.00 | &nbsp;&nbsp;0.10% |
| &nbsp;&nbsp;Single-wide Manufactured Housing | &nbsp;&nbsp;29 | &nbsp;&nbsp;1.17% | &nbsp;&nbsp;$3529818.24 | &nbsp;&nbsp;0.75% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;48 | &nbsp;&nbsp;1.94% | &nbsp;&nbsp;$6906055.33 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;67 | &nbsp;&nbsp;2.70% | &nbsp;&nbsp;$21947738.97 | &nbsp;&nbsp;4.68% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;16 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$4793338.37 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.24% | &nbsp;&nbsp;$2131850.00 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;275 | &nbsp;&nbsp;11.09% | &nbsp;&nbsp;$45653402.88 | &nbsp;&nbsp;9.74% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2480** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$468723904.41** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;2286 | &nbsp;&nbsp;92.18% | &nbsp;&nbsp;$439731654.08 | &nbsp;&nbsp;93.81% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;100 | &nbsp;&nbsp;4.03% | &nbsp;&nbsp;$15942553.87 | &nbsp;&nbsp;3.40% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;38 | &nbsp;&nbsp;1.53% | &nbsp;&nbsp;$5930798.00 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;56 | &nbsp;&nbsp;2.26% | &nbsp;&nbsp;$7118898.46 | &nbsp;&nbsp;1.52% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2480** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$468723904.41** | &nbsp;&nbsp;**100.00%** |

---

12 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| |
|:---|
| ![](ex99-1sch1_001.jpg) |
| **Data Compare** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** |
| 1750 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1750 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1750 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1750 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 202.48724 | 162.47832 | Verified |
| 1750 | XX | XX | XX | Original PITI | 1012.95 | 1198.66 | Verified |
| 1761 | XX | XX | XX | Zip | XX | XX | Verified |
| 1761 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1761 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1761 | XX | XX | XX | Original PITI | 3142.60 | 2170.52 | Verified |
| 1405 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1294 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1294 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1294 | XX | XX | XX | Original Interest Rate | 4.125 | 4.875 | Verified |
| 1294 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1294 | XX | XX | XX | Interest Only Period Expiration Date | 2014-09-01 |  | Verified |
| 1294 | XX | XX | XX | Original PITI | 2530.74 | 3344.10 | Verified |
| 1274 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1274 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1274 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1274 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1289 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1233 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1219 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1219 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 43.01745 | Verified |
| 1192 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1192 | XX | XX | XX | Refi Purpose | Rate/Term | Streamlined | Verified |
| 1691 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1367 | XX | XX | XX | City | XX | XX | Verified |
| 1367 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1224 | XX | XX | XX | Representative FICO | 677 | 664 | Verified |
| 1789 | XX | XX | XX | Representative FICO | 701 | 699 | Verified |
| 1694 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1108 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1108 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1108 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 209.51889 | Verified |
| 1206 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1206 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1206 | XX | XX | XX | Representative FICO | 663 | 631 | Verified |
| 1533 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1483 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1483 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 932.51099 | Verified |
| 1716 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1716 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1255 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1255 | XX | XX | XX | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified |
| 1793 | XX | XX | XX | Street | XX | XX | Verified |
| 1793 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1587 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1587 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 49.22267 | Verified |
| 1514 | XX | XX | XX | City | XX | XX | Verified |
| 1514 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1514 | XX | XX | XX | Representative FICO | 699 | 662 | Verified |
| 1646 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1364 | XX | XX | XX | City | XX | XX | Verified |
| 1152 | XX | XX | XX | Street | XX | XX | Verified |
| 1601 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1601 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 115.25 | Verified |
| 1804 | XX | XX | XX | Street | XX | XX | Verified |
| 1804 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1180 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1180 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 32.0672 | Verified |
| 1392 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1392 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1392 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 19.85088 | Verified |
| 1455 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1621 | XX | XX | XX | Zip | XX | XX | Verified |
| 1389 | XX | XX | XX | Street | XX | XX | Verified |
| 1103 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1103 | XX | XX | XX | Representative FICO | 609 | 580 | Verified |
| 1103 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 19.25721 | Verified |
| 1430 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1801 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1788 | XX | XX | XX | Zip | XX | XX | Verified |
| 1788 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1788 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1788 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1861 | XX | XX | XX | Zip | XX | XX | Verified |
| 1861 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1774 | XX | XX | XX | Zip | XX | XX | Verified |
| 1774 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1774 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1627 | XX | XX | XX | Zip | XX | XX | Verified |
| 1627 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1627 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1509 | XX | XX | XX | Zip | XX | XX | Verified |
| 1509 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1509 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1509 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1509 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1381 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1520 | XX | XX | XX | Zip | XX | XX | Verified |
| 1520 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1520 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1520 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1520 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1463 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1463 | XX | XX | XX | Original PITI | 1174.98 | 1162.83 | Verified |
| 1659 | XX | XX | XX | Zip | XX | XX | Verified |
| 1616 | XX | XX | XX | City | XX | XX | Verified |
| 1878 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1878 | XX | XX | XX | Original CLTV |  | 27.37 | Verified |
| 1878 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 55.86 | Verified |
| 1771 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1771 | XX | XX | XX | Representative FICO | 601 |  | Verified |
| 1771 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 34.57486 |  | Verified |
| 1684 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1684 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1684 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1684 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1684 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1684 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1684 | XX | XX | XX | Original CLTV |  | 98.83 | Verified |
| 1684 | XX | XX | XX | Original LTV | 97 | 98.83 | Verified |
| 1679 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1612 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1612 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 32.06498 | 37.51 | Verified |
| 1839 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1839 | XX | XX | XX | Representative FICO | 644 |  | Verified |
| 1839 | XX | XX | XX | Original CLTV |  | 90.26 | Verified |
| 1839 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 40.36885 |  | Verified |
| 1591 | XX | XX | XX | Street | XX | XX | Verified |
| 1591 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1591 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1355 | XX | XX | XX | Original CLTV | 95 | 100 | Verified |
| 1355 | XX | XX | XX | Original LTV | 95 | 100 | Verified |
| 1556 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1556 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1556 | XX | XX | XX | Representative FICO | 591 |  | Verified |
| 1556 | XX | XX | XX | Original CLTV | 79 |  | Verified |
| 1556 | XX | XX | XX | Original LTV | 79 |  | Verified |
| 1556 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 19.69619 |  | Verified |
| 1744 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1744 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 43.27785 | 64.9 | Verified |
| 1282 | XX | XX | XX | Representative FICO | 675 |  | Verified |
| 1282 | XX | XX | XX | Original CLTV | 95 |  | Verified |
| 1282 | XX | XX | XX | Original LTV | 95 |  | Verified |
| 1282 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 35.80606 |  | Verified |
| 1660 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1660 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 35.58 | 18.76 | Verified |
| 1541 | XX | XX | XX | City | XX | XX | Verified |
| 1098 | XX | XX | XX | City | XX | XX | Verified |
| 1098 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1412 | XX | XX | XX | Street | XX | XX | Verified |
| 1672 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1672 | XX | XX | XX | Representative FICO | 681 |  | Verified |
| 1672 | XX | XX | XX | Original CLTV | 79 | 64.41 | Verified |
| 1672 | XX | XX | XX | Original LTV | 79 | 64.41 | Verified |
| 1672 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 40.90111 |  | Verified |
| 1434 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 21.93 | Verified |
| 1685 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 32.64186 | 40.66 | Verified |
| 1623 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1623 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1581 | XX | XX | XX | Street | XX | XX | Verified |
| 1581 | XX | XX | XX | Representative FICO | 702 |  | Verified |
| 1581 | XX | XX | XX | Original LTV | 79 |  | Verified |
| 1769 | XX | XX | XX | Street | XX | XX | Verified |
| 1380 | XX | XX | XX | Zip | XX | XX | Verified |
| 1380 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1380 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1380 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1380 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1380 | XX | XX | XX | Representative FICO | 633 | 624 | Verified |
| 1186 | XX | XX | XX | Street | XX | XX | Verified |
| 1186 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1298 | XX | XX | XX | City | XX | XX | Verified |
| 1298 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1298 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1298 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1298 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 47.28125 | 43.58 | Verified |
| 1505 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1583 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1583 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1583 | XX | XX | XX | Representative FICO | 644 |  | Verified |
| 1583 | XX | XX | XX | Original CLTV | 85 |  | Verified |
| 1583 | XX | XX | XX | Original LTV | 85 |  | Verified |
| 1583 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 34.06667 |  | Verified |
| 1444 | XX | XX | XX | Zip | XX | XX | Verified |
| 1444 | XX | XX | XX | Representative FICO | 680 |  | Verified |
| 1444 | XX | XX | XX | Original CLTV | 88 |  | Verified |
| 1444 | XX | XX | XX | Original LTV | 88 |  | Verified |
| 1444 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 30.60992 |  | Verified |
| 1335 | XX | XX | XX | Zip | XX | XX | Verified |
| 1335 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1335 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 0.82179 | 50.75 | Verified |
| 1620 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1344 | XX | XX | XX | Zip | XX | XX | Verified |
| 1344 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1074 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1074 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1074 | XX | XX | XX | Representative FICO | 699 | 710 | Verified |
| 1151 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1151 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 45.51273 |  | Verified |
| 1555 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1555 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1555 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1555 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1555 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 1555 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1555 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1678 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1678 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1678 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1678 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1678 | XX | XX | XX | Representative FICO | 661 | 715 | Verified |
| 1678 | XX | XX | XX | Original CLTV |  | 90 | Verified |
| 1454 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1442 | XX | XX | XX | Zip | XX | XX | Verified |
| 1442 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1442 | XX | XX | XX | Original CLTV | 80 | 95 | Verified |
| 1253 | XX | XX | XX | Zip | XX | XX | Verified |
| 1253 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1253 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1253 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 42.16106 | 48.26 | Verified |
| 1527 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1527 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 25.50267 | 28.91 | Verified |
| 1304 | XX | XX | XX | Street | XX | XX | Verified |
| 1304 | XX | XX | XX | Zip | XX | XX | Verified |
| 1251 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1471 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1471 | XX | XX | XX | Representative FICO | 618 | 637 | Verified |
| 1471 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 31.08441 |  | Verified |
| 1698 | XX | XX | XX | Zip | XX | XX | Verified |
| 1261 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1456 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1456 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 61.519 | Verified |
| 1244 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 63.58 | Verified |
| 1245 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1485 | XX | XX | XX | Zip | XX | XX | Verified |
| 1566 | XX | XX | XX | Zip | XX | XX | Verified |
| 1566 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1566 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 196.07 | Verified |
| 1536 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.63291 | 48.45 | Verified |
| 1258 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1597 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1597 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 61.86736 | 43.88 | Verified |
| 1203 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1203 | XX | XX | XX | Representative FICO | 632 | 624 | Verified |
| 1203 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 49.06631 | 58.71 | Verified |
| 1663 | XX | XX | XX | Zip | XX | XX | Verified |
| 1663 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1663 | XX | XX | XX | Representative FICO | 689 |  | Verified |
| 1663 | XX | XX | XX | Original CLTV | 80 | 100 | Verified |
| 1663 | XX | XX | XX | Original LTV | 97 | 80 | Verified |
| 1876 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1876 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1876 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1876 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1876 | XX | XX | XX | Representative FICO | 652 |  | Verified |
| 1064 | XX | XX | XX | Zip | XX | XX | Verified |
| 1406 | XX | XX | XX | Original CLTV | 100 | 101.53 | Verified |
| 1406 | XX | XX | XX | Original LTV | 80 | 81.22 | Verified |
| 1306 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1306 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1480 | XX | XX | XX | City | XX | XX | Verified |
| 1806 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1191 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 44.69357 |  | Verified |
| 1809 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1809 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1585 | XX | XX | XX | Representative FICO | 614 |  | Verified |
| 1585 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 41.33794 |  | Verified |
| 1693 | XX | XX | XX | Zip | XX | XX | Verified |
| 1693 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1693 | XX | XX | XX | Original CLTV | 93 | 76.85 | Verified |
| 1693 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 81.9 | Verified |
| 1695 | XX | XX | XX | Zip | XX | XX | Verified |
| 1475 | XX | XX | XX | Representative FICO | 705 |  | Verified |
| 1475 | XX | XX | XX | Original CLTV | 100 |  | Verified |
| 1475 | XX | XX | XX | Original LTV | 100 |  | Verified |
| 1475 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.3398 |  | Verified |
| 1765 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1765 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1633 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 14.175 | 28.37 | Verified |
| 1060 | XX | XX | XX | Representative FICO | 797 | 760 | Verified |
| 1060 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 60.49834 | 36.9 | Verified |
| 1511 | XX | XX | XX | Street | XX | XX | Verified |
| 1511 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1511 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1511 | XX | XX | XX | Original CLTV |  | 100 | Verified |
| 1511 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 38.69 | Verified |
| 1743 | XX | XX | XX | Zip | XX | XX | Verified |
| 1743 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1375 | XX | XX | XX | Street | XX | XX | Verified |
| 1375 | XX | XX | XX | Zip | XX | XX | Verified |
| 1375 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1375 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1375 | XX | XX | XX | Original CLTV |  | 101.14 | Verified |
| 1375 | XX | XX | XX | Original LTV | 100 | 101.14 | Verified |
| 1375 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 51.53 | Verified |
| 1648 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1648 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1783 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1783 | XX | XX | XX | Representative FICO | 665 |  | Verified |
| 1783 | XX | XX | XX | Original CLTV | 90 |  | Verified |
| 1783 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 1783 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 11.9664 |  | Verified |
| 1383 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1701 | XX | XX | XX | Zip | XX | XX | Verified |
| 1613 | XX | XX | XX | Representative FICO | 622 |  | Verified |
| 1613 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 76.55145 | 44.511 | Verified |
| 1068 | XX | XX | XX | Zip | XX | XX | Verified |
| 1068 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1068 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1068 | XX | XX | XX | Original CLTV | 80 | 74.86 | Verified |
| 1099 | XX | XX | XX | Representative FICO | 706 |  | Verified |
| 1099 | XX | XX | XX | Original CLTV | 69 |  | Verified |
| 1099 | XX | XX | XX | Original LTV | 69 |  | Verified |
| 1099 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 52 |  | Verified |
| 1476 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1476 | XX | XX | XX | Original CLTV | 188 | 74.18 | Verified |
| 1476 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 38.66 | Verified |
| 1170 | XX | XX | XX | Original CLTV | 80 | 75.41 | Verified |
| 1391 | XX | XX | XX | Street | XX | XX | Verified |
| 1391 | XX | XX | XX | Representative FICO | 522 | 667 | Verified |
| 1506 | XX | XX | XX | Zip | XX | XX | Verified |
| 1506 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1506 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1544 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1544 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1707 | XX | XX | XX | Original CLTV | 80 | 100 | Verified |
| 1707 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 44.86064 | 42.56 | Verified |
| 1356 | XX | XX | XX | Zip | XX | XX | Verified |
| 1356 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1356 | XX | XX | XX | Representative FICO | 637 |  | Verified |
| 1758 | XX | XX | XX | Street | XX | XX | Verified |
| 1758 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1758 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1758 | XX | XX | XX | Original CLTV | 73 | 69.66 | Verified |
| 1346 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 34.33313 | 56.07 | Verified |
| 1630 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 43.544 |  | Verified |
| 1086 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1086 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1086 | XX | XX | XX | Original CLTV |  | 95 | Verified |
| 1283 | XX | XX | XX | Zip | XX | XX | Verified |
| 1827 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1827 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1827 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 1827 | XX | XX | XX | Original CLTV | 67 | 68.36 | Verified |
| 1827 | XX | XX | XX | Original LTV | 67 | 68.36 | Verified |
| 1596 | XX | XX | XX | Street | XX | XX | Verified |
| 1596 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1596 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 35.324 | Verified |
| 1374 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1374 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1374 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1374 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1687 | XX | XX | XX | Original CLTV | 90 | 84.99 | Verified |
| 1687 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 51.20693 | 34 | Verified |
| 1816 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1816 | XX | XX | XX | Representative FICO | 674 |  | Verified |
| 1816 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 22.83939 |  | Verified |
| 1791 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1791 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.37384 | 27.948 | Verified |
| 1354 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1354 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1354 | XX | XX | XX | Representative FICO | 548 |  | Verified |
| 1354 | XX | XX | XX | Original LTV | 90 |  | Verified |
| 1462 | XX | XX | XX | Street | XX | XX | Verified |
| 1462 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1462 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.96821 | 36.01 | Verified |
| 1499 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1499 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1499 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1499 | XX | XX | XX | Representative FICO | 708 |  | Verified |
| 1499 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 1499 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 1499 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.56 |  | Verified |
| 1196 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1196 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 27.03 | Verified |
| 1246 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1451 | XX | XX | XX | Representative FICO | 707 |  | Verified |
| 1451 | XX | XX | XX | Original CLTV | 70 | 65.72 | Verified |
| 1451 | XX | XX | XX | Original LTV | 70 | 65.72 | Verified |
| 1365 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1365 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1365 | XX | XX | XX | Representative FICO | 710 | 705 | Verified |
| 1069 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1069 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.992 | 41.45 | Verified |
| 1105 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1105 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1105 | XX | XX | XX | Representative FICO | 548 | 528 | Verified |
| 1599 | XX | XX | XX | Zip | XX | XX | Verified |
| 1599 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1756 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1756 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1589 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1589 | XX | XX | XX | Representative FICO | 703 | 660 | Verified |
| 1361 | XX | XX | XX | Street | XX | XX | Verified |
| 1361 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1361 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 42.93513 | 35.78 | Verified |
| 1185 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1497 | XX | XX | XX | Zip | XX | XX | Verified |
| 1497 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1497 | XX | XX | XX | Representative FICO | 522 |  | Verified |
| 1497 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 42.47136 |  | Verified |
| 1649 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1235 | XX | XX | XX | Representative FICO | 631 | 706 | Verified |
| 1071 | XX | XX | XX | Zip | XX | XX | Verified |
| 1071 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1590 | XX | XX | XX | Street | XX | XX | Verified |
| 1590 | XX | XX | XX | City | XX | XX | Verified |
| 1590 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1590 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1590 | XX | XX | XX | Representative FICO | 630 | 632 | Verified |
| 1092 | XX | XX | XX | Street | XX | XX | Verified |
| 1092 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1092 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1092 | XX | XX | XX | Original Interest Rate | 6.06 | 6.125 | Verified |
| 1092 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.99004 | 30.39 | Verified |
| 1644 | XX | XX | XX | City | XX | XX | Verified |
| 1198 | XX | XX | XX | Street | XX | XX | Verified |
| 1198 | XX | XX | XX | Zip | XX | XX | Verified |
| 1198 | XX | XX | XX | Representative FICO | 710 | 741 | Verified |
| 1198 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 44.08592 | 47.1 | Verified |
| 1161 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1161 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1846 | XX | XX | XX | Zip | XX | XX | Verified |
| 1175 | XX | XX | XX | City | XX | XX | Verified |
| 1175 | XX | XX | XX | Zip | XX | XX | Verified |
| 1488 | XX | XX | XX | Street | XX | XX | Verified |
| 1488 | XX | XX | XX | City | XX | XX | Verified |
| 1488 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 26.66319 |  | Verified |
| 1231 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1231 | XX | XX | XX | Representative FICO | 668 | 651 | Verified |
| 1231 | XX | XX | XX | Original CLTV | 70 | 84.33 | Verified |
| 1104 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1104 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1104 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1104 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1104 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1104 | XX | XX | XX | Representative FICO | 635 | 644 | Verified |
| 1079 | XX | XX | XX | Representative FICO | 711 | 724 | Verified |
| 1079 | XX | XX | XX | Original CLTV | 89 |  | Verified |
| 1079 | XX | XX | XX | Original LTV | 79 |  | Verified |
| 1067 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1067 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 69.61097 | 64.92 | Verified |
| 1472 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1472 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1753 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1072 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1072 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1437 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1409 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1409 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1409 | XX | XX | XX | Representative FICO | 656 |  | Verified |
| 1409 | XX | XX | XX | Original LTV | 80 | 78.67 | Verified |
| 1409 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 8.056 |  | Verified |
| 1213 | XX | XX | XX | Zip | XX | XX | Verified |
| 1366 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1366 | XX | XX | XX | Representative FICO | 722 | 721 | Verified |
| 1582 | XX | XX | XX | Zip | XX | XX | Verified |
| 1582 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1582 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1582 | XX | XX | XX | Representative FICO | 640 | 595 | Verified |
| 1417 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1417 | XX | XX | XX | Representative FICO | 650 | 654 | Verified |
| 1535 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1535 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 44.36 | 41.718 | Verified |
| 1683 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1284 | XX | XX | XX | Representative FICO | 632 | 559 | Verified |
| 1284 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 69.62154 | 65 | Verified |
| 1113 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1113 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1113 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1113 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1113 | XX | XX | XX | Representative FICO | 632 | 614 | Verified |
| 1113 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 33.1493 | 40.17 | Verified |
| 1521 | XX | XX | XX | Zip | XX | XX | Verified |
| 1521 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1521 | XX | XX | XX | Representative FICO | 666 | 603 | Verified |
| 1521 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 30.92257 | 40.47 | Verified |
| 1199 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1199 | XX | XX | XX | Original CLTV | 90 | 80 | Verified |
| 1199 | XX | XX | XX | Original LTV | 90 | 80 | Verified |
| 1563 | XX | XX | XX | Zip | XX | XX | Verified |
| 1718 | XX | XX | XX | City | XX | XX | Verified |
| 1453 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1453 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1453 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 34.7 | Verified |
| 1642 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1651 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1651 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1651 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.11352 | 41.01 | Verified |
| 1529 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1529 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1529 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 53.54251 | 30.78 | Verified |
| 1692 | XX | XX | XX | Zip | XX | XX | Verified |
| 1692 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 57.24487 | 59.72 | Verified |
| 1193 | XX | XX | XX | Zip | XX | XX | Verified |
| 1193 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1193 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1193 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1193 | XX | XX | XX | Representative FICO | 662 |  | Verified |
| 1193 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 1193 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 1193 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.79639 |  | Verified |
| 1310 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1150 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1150 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 31.57895 | 35.62 | Verified |
| 1853 | XX | XX | XX | Representative FICO | 619 |  | Verified |
| 1853 | XX | XX | XX | Original LTV | 95 |  | Verified |
| 1853 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 24.56916 |  | Verified |
| 1729 | XX | XX | XX | Street | XX | XX | Verified |
| 1729 | XX | XX | XX | Representative FICO | 560 |  | Verified |
| 1729 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 42.86096 |  | Verified |
| 1278 | XX | XX | XX | Zip | XX | XX | Verified |
| 1739 | XX | XX | XX | Zip | XX | XX | Verified |
| 1702 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1702 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1460 | XX | XX | XX | Zip | XX | XX | Verified |
| 1250 | XX | XX | XX | Zip | XX | XX | Verified |
| 1250 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1250 | XX | XX | XX | Representative FICO | 745 | 726 | Verified |
| 1250 | XX | XX | XX | Original LTV | 101 | 91.88 | Verified |
| 1837 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1837 | XX | XX | XX | Representative FICO | 648 | 555 | Verified |
| 1628 | XX | XX | XX | Zip | XX | XX | Verified |
| 1142 | XX | XX | XX | Street | XX | XX | Verified |
| 1142 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 57.02558 | 54.78 | Verified |
| 1531 | XX | XX | XX | City | XX | XX | Verified |
| 1531 | XX | XX | XX | Zip | XX | XX | Verified |
| 1296 | XX | XX | XX | Representative FICO | 625 | 597 | Verified |
| 1296 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.05986 | 40.97 | Verified |
| 1401 | XX | XX | XX | Zip | XX | XX | Verified |
| 1401 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1401 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1401 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1401 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 1401 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1401 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 31.512 | Verified |
| 1490 | XX | XX | XX | Zip | XX | XX | Verified |
| 1312 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1109 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1353 | XX | XX | XX | Representative FICO | 771 | 782 | Verified |
| 1618 | XX | XX | XX | Street | XX | XX | Verified |
| 1618 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1618 | XX | XX | XX | Representative FICO | 644 |  | Verified |
| 1618 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 55.93979 |  | Verified |
| 1440 | XX | XX | XX | Street | XX | XX | Verified |
| 1440 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1440 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1440 | XX | XX | XX | Representative FICO | 658 |  | Verified |
| 1440 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 61.15368 |  | Verified |
| 1153 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1153 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1153 | XX | XX | XX | Representative FICO | 630 | 591 | Verified |
| 1153 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 29.33122 |  | Verified |
| 1572 | XX | XX | XX | Zip | XX | XX | Verified |
| 1622 | XX | XX | XX | Zip | XX | XX | Verified |
| 1622 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1622 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 23.65405 | 53 | Verified |
| 1403 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1403 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1348 | XX | XX | XX | City | XX | XX | Verified |
| 1348 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1656 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1656 | XX | XX | XX | Representative FICO | 624 | 640 | Verified |
| 1377 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 33.99 | Verified |
| 1172 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 47.18 | Verified |
| 1221 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1221 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1221 | XX | XX | XX | Original CLTV |  | 80 | Verified |
| 1495 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 151.51 | Verified |
| 1808 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1808 | XX | XX | XX | Original LTV | 95 |  | Verified |
| 1808 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 35.75114 |  | Verified |
| 1302 | XX | XX | XX | City | XX | XX | Verified |
| 1331 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1331 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1331 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1331 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1331 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 1331 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1331 | XX | XX | XX | Representative FICO | 736 | 728 | Verified |
| 1164 | XX | XX | XX | Street | XX | XX | Verified |
| 1164 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1164 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1164 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1164 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1164 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 1164 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1164 | XX | XX | XX | Representative FICO | 635 |  | Verified |
| 1164 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 47.98113 |  | Verified |
| 1775 | XX | XX | XX | Street | XX | XX | Verified |
| 1775 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1775 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1775 | XX | XX | XX | Representative FICO | 636 | 629 | Verified |
| 1709 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1709 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1709 | XX | XX | XX | Representative FICO | 708 | 684 | Verified |
| 1709 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 61.19504 | 64.33 | Verified |
| 1239 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1239 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1239 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1239 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1183 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1183 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 1183 | XX | XX | XX | Representative FICO | 653 |  | Verified |
| 1183 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 47.39573 |  | Verified |
| 1565 | XX | XX | XX | City | XX | XX | Verified |
| 1565 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1767 | XX | XX | XX | Street | XX | XX | Verified |
| 1767 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1767 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 27.425 | 23.58 | Verified |
| 1515 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1598 | XX | XX | XX | Zip | XX | XX | Verified |
| 1598 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1450 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1887 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1887 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1887 | XX | XX | XX | Original CLTV |  | 33.63 | Verified |
| 1887 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 25.14 | Verified |
| 1602 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1602 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1602 | XX | XX | XX | Representative FICO | 645 |  | Verified |
| 1602 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 56.93596 |  | Verified |
| 1820 | XX | XX | XX | Street | XX | XX | Verified |
| 1820 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1820 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1820 | XX | XX | XX | Representative FICO | 596 | 591 | Verified |
| 1820 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.11134 |  | Verified |
| 1557 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1557 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1557 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1557 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1818 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1859 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1859 | XX | XX | XX | Representative FICO | 647 |  | Verified |
| 1859 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 11.53684 |  | Verified |
| 1316 | XX | XX | XX | City | XX | XX | Verified |
| 1316 | XX | XX | XX | Representative FICO | 638 | 635 | Verified |
| 1316 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.76008 | 42.55 | Verified |
| 1369 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1369 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1369 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1369 | XX | XX | XX | Representative FICO | 690 | 676 | Verified |
| 1369 | XX | XX | XX | Original CLTV | 95 | 69.81 | Verified |
| 1238 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1238 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 51.54286 | 48.92 | Verified |
| 1230 | XX | XX | XX | Street | XX | XX | Verified |
| 1230 | XX | XX | XX | City | XX | XX | Verified |
| 1230 | XX | XX | XX | Original CLTV |  | 97 | Verified |
| 1230 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 31.77388 | 34.88 | Verified |
| 1420 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1420 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1420 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 121.041 | Verified |
| 1825 | XX | XX | XX | Street | XX | XX | Verified |
| 1825 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1825 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1686 | XX | XX | XX | Zip | XX | XX | Verified |
| 1686 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1686 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 24.8 | 57.5 | Verified |
| 1752 | XX | XX | XX | Representative FICO | 606 |  | Verified |
| 1752 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 1752 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 1752 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.73679 |  | Verified |
| 1512 | XX | XX | XX | City | XX | XX | Verified |
| 1512 | XX | XX | XX | Zip | XX | XX | Verified |
| 1512 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1512 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1512 | XX | XX | XX | Representative FICO | 660 |  | Verified |
| 1512 | XX | XX | XX | Original LTV | 95 |  | Verified |
| 1512 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 34.82433 |  | Verified |
| 1385 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1385 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1385 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1385 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1385 | XX | XX | XX | Representative FICO | 654 | 606 | Verified |
| 1655 | XX | XX | XX | Zip | XX | XX | Verified |
| 1655 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1177 | XX | XX | XX | City | XX | XX | Verified |
| 1177 | XX | XX | XX | Original CLTV | 75 | 92.5 | Verified |
| 1458 | XX | XX | XX | Street | XX | XX | Verified |
| 1458 | XX | XX | XX | City | XX | XX | Verified |
| 1611 | XX | XX | XX | Representative FICO | 745 | 748 | Verified |
| 1608 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1608 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1608 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1608 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1608 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1608 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 24.50947 | 34 | Verified |
| 1664 | XX | XX | XX | Zip | XX | XX | Verified |
| 1664 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1593 | XX | XX | XX | Street | XX | XX | Verified |
| 1593 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1593 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 1593 | XX | XX | XX | Representative FICO | 793 |  | Verified |
| 1182 | XX | XX | XX | City | XX | XX | Verified |
| 1379 | XX | XX | XX | Street | XX | XX | Verified |
| 1379 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1379 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1379 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1379 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1379 | XX | XX | XX | Representative FICO | 581 |  | Verified |
| 1379 | XX | XX | XX | Original CLTV | 65 |  | Verified |
| 1379 | XX | XX | XX | Original LTV | 65 |  | Verified |
| 1379 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 30.75031 |  | Verified |
| 1477 | XX | XX | XX | City | XX | XX | Verified |
| 1477 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1567 | XX | XX | XX | Street | XX | XX | Verified |
| 1567 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 45.50725 | 50.28 | Verified |
| 1211 | XX | XX | XX | Zip | XX | XX | Verified |
| 1211 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1088 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1088 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1088 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1088 | XX | XX | XX | Representative FICO | 595 |  | Verified |
| 1088 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 30.90842 |  | Verified |
| 1114 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1114 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1114 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1114 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1624 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1624 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 30.39255 | 28.19 | Verified |
| 1248 | XX | XX | XX | City | XX | XX | Verified |
| 1248 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1248 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1248 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1248 | XX | XX | XX | Original CLTV | 80 | 89 | Verified |
| 1288 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1594 | XX | XX | XX | Street | XX | XX | Verified |
| 1594 | XX | XX | XX | City | XX | XX | Verified |
| 1594 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1594 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1594 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1594 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1594 | XX | XX | XX | Representative FICO | 661 |  | Verified |
| 1594 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 28.2423 |  | Verified |
| 1688 | XX | XX | XX | Zip | XX | XX | Verified |
| 1688 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1688 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1688 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 48.688 | Verified |
| 1540 | XX | XX | XX | Zip | XX | XX | Verified |
| 1540 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1540 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1787 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1787 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1787 | XX | XX | XX | Representative FICO | 758 | 729 | Verified |
| 1469 | XX | XX | XX | City | XX | XX | Verified |
| 1469 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1469 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1469 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1469 | XX | XX | XX | Representative FICO | 616 |  | Verified |
| 1469 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 1469 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 1469 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 39.02313 |  | Verified |
| 1523 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1523 | XX | XX | XX | Original CLTV |  | 79.71 | Verified |
| 1523 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 84.76 | Verified |
| 1095 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1095 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 45.90826 | 42.269 | Verified |
| 1085 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1081 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1081 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1131 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1131 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1097 | XX | XX | XX | Zip | XX | XX | Verified |
| 1097 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 41.58554 | 45.47 | Verified |
| 1345 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1345 | XX | XX | XX | Representative FICO | 632 |  | Verified |
| 1345 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 29.05063 | 23 | Verified |
| 1240 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1792 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1588 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1588 | XX | XX | XX | Original CLTV | 94 | 92.98 | Verified |
| 1797 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1797 | XX | XX | XX | Representative FICO | 730 |  | Verified |
| 1797 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 1797 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 1797 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 41.51923 |  | Verified |
| 1600 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1600 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1600 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 1604 | XX | XX | XX | Representative FICO | 670 | 647 | Verified |
| 1732 | XX | XX | XX | Representative FICO | 796 |  | Verified |
| 1732 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 31.77778 |  | Verified |
| 1315 | XX | XX | XX | Street | XX | XX | Verified |
| 1764 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1764 | XX | XX | XX | Representative FICO | 648 | 613 | Verified |
| 1336 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1336 | XX | XX | XX | Original CLTV | 80 | 100 | Verified |
| 1336 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 47.5 | Verified |
| 1711 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1711 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1711 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 44.52624 | 54.86 | Verified |
| 1647 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1647 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 27.78935 | 31.373 | Verified |
| 1576 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1863 | XX | XX | XX | Street | XX | XX | Verified |
| 1863 | XX | XX | XX | City | XX | XX | Verified |
| 1863 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1863 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1863 | XX | XX | XX | Representative FICO | 663 |  | Verified |
| 1863 | XX | XX | XX | Original CLTV | 78 |  | Verified |
| 1863 | XX | XX | XX | Original LTV | 74 |  | Verified |
| 1863 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 22.83824 |  | Verified |
| 1734 | XX | XX | XX | Street | XX | XX | Verified |
| 1734 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1734 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1424 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1339 | XX | XX | XX | Zip | XX | XX | Verified |
| 1553 | XX | XX | XX | Zip | XX | XX | Verified |
| 1553 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1677 | XX | XX | XX | City | XX | XX | Verified |
| 1677 | XX | XX | XX | Zip | XX | XX | Verified |
| 1677 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1634 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1634 | XX | XX | XX | Representative FICO | 808 |  | Verified |
| 1634 | XX | XX | XX | Original CLTV | 90 |  | Verified |
| 1634 | XX | XX | XX | Original LTV | 90 |  | Verified |
| 1634 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 63.74961 |  | Verified |
| 1167 | XX | XX | XX | Zip | XX | XX | Verified |
| 1167 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1167 | XX | XX | XX | Representative FICO | 555 |  | Verified |
| 1167 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 1167 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 1167 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 28.27196 |  | Verified |
| 1202 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1202 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1202 | XX | XX | XX | Representative FICO | 633 |  | Verified |
| 1202 | XX | XX | XX | Original LTV | 91 |  | Verified |
| 1171 | XX | XX | XX | Zip | XX | XX | Verified |
| 1171 | XX | XX | XX | Original CLTV | 80 | 90 | Verified |
| 1171 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.592 | 46.504 | Verified |
| 1570 | XX | XX | XX | Street | XX | XX | Verified |
| 1570 | XX | XX | XX | Zip | XX | XX | Verified |
| 1570 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1570 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 37.23 | Verified |
| 1703 | XX | XX | XX | Representative FICO | 584 |  | Verified |
| 1703 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 42.12058 |  | Verified |
| 1507 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1507 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1159 | XX | XX | XX | Street | XX | XX | Verified |
| 1159 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1273 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1273 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1273 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1273 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1273 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 30.91813 | 27.74 | Verified |
| 1465 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1465 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1776 | XX | XX | XX | Street | XX | XX | Verified |
| 1776 | XX | XX | XX | Representative FICO | 551 | 592 | Verified |
| 1573 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1573 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1829 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1829 | XX | XX | XX | Original CLTV |  | 57.53 | Verified |
| 1829 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 53.87 | Verified |
| 1532 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1532 | XX | XX | XX | Original LTV | 78 | 66.23 | Verified |
| 1532 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 52.42782 |  | Verified |
| 1297 | XX | XX | XX | Zip | XX | XX | Verified |
| 1297 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1297 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1297 | XX | XX | XX | Representative FICO | 599 | 613 | Verified |
| 1395 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1395 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1395 | XX | XX | XX | Representative FICO | 699 | 714 | Verified |
| 1428 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1428 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1428 | XX | XX | XX | Original CLTV |  | 90 | Verified |
| 1428 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 47.88 | Verified |
| 1717 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1727 | XX | XX | XX | Street | XX | XX | Verified |
| 1727 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1106 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.76658 | 42.834 | Verified |
| 1537 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1676 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 64.25129 | 47.276 | Verified |
| 1334 | XX | XX | XX | Zip | XX | XX | Verified |
| 1334 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1334 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1342 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1342 | XX | XX | XX | Representative FICO | 654 |  | Verified |
| 1342 | XX | XX | XX | Original LTV | 68 | 78.56 | Verified |
| 1342 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 22.11834 | 19.33 | Verified |
| 1447 | XX | XX | XX | Street | XX | XX | Verified |
| 1447 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1447 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 47.9684 | 42.19 | Verified |
| 1657 | XX | XX | XX | City | XX | XX | Verified |
| 1657 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1657 | XX | XX | XX | Representative FICO | 598 |  | Verified |
| 1657 | XX | XX | XX | Original CLTV | 93 |  | Verified |
| 1657 | XX | XX | XX | Original LTV | 93 |  | Verified |
| 1308 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1308 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1308 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 1308 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 48.41 | Verified |
| 1704 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1704 | XX | XX | XX | Representative FICO | 625 |  | Verified |
| 1704 | XX | XX | XX | Original CLTV | 100 |  | Verified |
| 1704 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 1704 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 54.10138 |  | Verified |
| 1340 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1089 | XX | XX | XX | City | XX | XX | Verified |
| 1546 | XX | XX | XX | City | XX | XX | Verified |
| 1546 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1524 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1321 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1321 | XX | XX | XX | Representative FICO | 744 | 722 | Verified |
| 1580 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1580 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 56.40741 | 52.45 | Verified |
| 1735 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1102 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 51.69009 | 49.59 | Verified |
| 1328 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1328 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1328 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1328 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1504 | XX | XX | XX | Street | XX | XX | Verified |
| 1504 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1504 | XX | XX | XX | Representative FICO | 678 | 668 | Verified |
| 1148 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1148 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1759 | XX | XX | XX | Zip | XX | XX | Verified |
| 1759 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 29.67359 | 20.64 | Verified |
| 1386 | XX | XX | XX | Zip | XX | XX | Verified |
| 1773 | XX | XX | XX | Zip | XX | XX | Verified |
| 1773 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1773 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1376 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1376 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1376 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1376 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1376 | XX | XX | XX | Original CLTV | 83 | 87.55 | Verified |
| 1376 | XX | XX | XX | Original LTV | 83 | 87.55 | Verified |
| 1640 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1640 | XX | XX | XX | Representative FICO | 775 |  | Verified |
| 1640 | XX | XX | XX | Original CLTV | 58 |  | Verified |
| 1640 | XX | XX | XX | Original LTV | 58 |  | Verified |
| 1640 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 44.02953 |  | Verified |
| 1722 | XX | XX | XX | Representative FICO | 625 |  | Verified |
| 1722 | XX | XX | XX | Original CLTV | 58 |  | Verified |
| 1722 | XX | XX | XX | Original LTV | 58 |  | Verified |
| 1722 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.96184 |  | Verified |
| 1360 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 41.88643 | 37.84 | Verified |
| 1813 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1813 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1813 | XX | XX | XX | Original CLTV |  | 97 | Verified |
| 1813 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 51.24 | Verified |
| 1234 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1234 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1234 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1234 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1234 | XX | XX | XX | Representative FICO | 580 |  | Verified |
| 1234 | XX | XX | XX | Original CLTV | 67 | 73.28 | Verified |
| 1234 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.6953 |  | Verified |
| 1119 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1119 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 31.83799 | 46.15 | Verified |
| 1522 | XX | XX | XX | Zip | XX | XX | Verified |
| 1522 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1132 | XX | XX | XX | Street | XX | XX | Verified |
| 1132 | XX | XX | XX | Zip | XX | XX | Verified |
| 1132 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1132 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1132 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1132 | XX | XX | XX | Original CLTV | 74 | 79.95 | Verified |
| 1552 | XX | XX | XX | Zip | XX | XX | Verified |
| 1552 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1552 | XX | XX | XX | Original LTV | 70 | 67.67 | Verified |
| 1260 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1260 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1260 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1260 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1156 | XX | XX | XX | Representative FICO | 755 | 759 | Verified |
| 1432 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1432 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1432 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1432 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1432 | XX | XX | XX | Representative FICO | 703 |  | Verified |
| 1432 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 42.91667 | 40.2 | Verified |
| 1411 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1411 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1184 | XX | XX | XX | Zip | XX | XX | Verified |
| 1184 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1484 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1484 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1484 | XX | XX | XX | Representative FICO | 760 | 731 | Verified |
| 1586 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1586 | XX | XX | XX | Representative FICO | 674 |  | Verified |
| 1586 | XX | XX | XX | Original CLTV | 75 |  | Verified |
| 1586 | XX | XX | XX | Original LTV | 75 |  | Verified |
| 1586 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 45.53214 |  | Verified |
| 1062 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1062 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1062 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 1268 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1268 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1268 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1268 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1268 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 1268 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1122 | XX | XX | XX | Representative FICO | 746 |  | Verified |
| 1122 | XX | XX | XX | Original CLTV | 95 | 93.3 | Verified |
| 1122 | XX | XX | XX | Original LTV | 95 | 93.3 | Verified |
| 1122 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 46.42701 |  | Verified |
| 1559 | XX | XX | XX | Street | XX | XX | Verified |
| 1559 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1559 | XX | XX | XX | Representative FICO | 684 | 550 | Verified |
| 1559 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 58.34211 | 55.004 | Verified |
| 1063 | XX | XX | XX | Street | XX | XX | Verified |
| 1063 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 25.33751 | 28.537 | Verified |
| 1065 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1065 | XX | XX | XX | Representative FICO | 596 | 592 | Verified |
| 1423 | XX | XX | XX | Zip | XX | XX | Verified |
| 1423 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1470 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1564 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1564 | XX | XX | XX | Original LTV | 62 |  | Verified |
| 1564 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 56.23 | Verified |
| 1595 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1595 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1595 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1595 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1595 | XX | XX | XX | Representative FICO | 736 |  | Verified |
| 1595 | XX | XX | XX | Original LTV | 75 |  | Verified |
| 1550 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1550 | XX | XX | XX | Representative FICO | 652 |  | Verified |
| 1550 | XX | XX | XX | Original CLTV |  | 95.4 | Verified |
| 1550 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 14.44 | Verified |
| 1610 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1610 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1610 | XX | XX | XX | Representative FICO | 716 | 720 | Verified |
| 1610 | XX | XX | XX | Original CLTV | 123 | 129.96 | Verified |
| 1610 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 30.53 | Verified |
| 1452 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1452 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 55.1681 | 60.06 | Verified |
| 1394 | XX | XX | XX | Street | XX | XX | Verified |
| 1394 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1394 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.25784 | 60.743 | Verified |
| 1136 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1136 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1136 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1449 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1449 | XX | XX | XX | Representative FICO | 706 | 534 | Verified |
| 1449 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.0404 | 39 | Verified |
| 1319 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1319 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1319 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1319 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1319 | XX | XX | XX | Representative FICO | 721 | 610 | Verified |
| 1333 | XX | XX | XX | Zip | XX | XX | Verified |
| 1554 | XX | XX | XX | Zip | XX | XX | Verified |
| 1408 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1144 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1378 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1378 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1378 | XX | XX | XX | Original CLTV |  | 77.25 | Verified |
| 1378 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 43.43 | Verified |
| 1123 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1123 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1123 | XX | XX | XX | Representative FICO | 653 | 637 | Verified |
| 1835 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1835 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1835 | XX | XX | XX | Representative FICO | 679 | 646 | Verified |
| 1227 | XX | XX | XX | Street | XX | XX | Verified |
| 1227 | XX | XX | XX | Representative FICO | 699 | 727 | Verified |
| 1227 | XX | XX | XX | Original CLTV | 95 | 80 | Verified |
| 1227 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.96791 |  | Verified |
| 1558 | XX | XX | XX | Zip | XX | XX | Verified |
| 1558 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1558 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1558 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 51.94915 | 48.57 | Verified |
| 1270 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1270 | XX | XX | XX | Representative FICO | 566 | 527 | Verified |
| 1402 | XX | XX | XX | Representative FICO | 616 |  | Verified |
| 1402 | XX | XX | XX | Original CLTV | 71 |  | Verified |
| 1402 | XX | XX | XX | Original LTV | 71 |  | Verified |
| 1402 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 32.93008 |  | Verified |
| 1491 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 44.26 | Verified |
| 1141 | XX | XX | XX | Zip | XX | XX | Verified |
| 1141 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1770 | XX | XX | XX | Zip | XX | XX | Verified |
| 1770 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1690 | XX | XX | XX | Zip | XX | XX | Verified |
| 1263 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1263 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1263 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1263 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 1263 | XX | XX | XX | Representative FICO | 591 | 513 | Verified |
| 1263 | XX | XX | XX | Original CLTV | 78 | 100 | Verified |
| 1263 | XX | XX | XX | Original LTV | 78 | 100 | Verified |
| 1263 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.46678 | 46.46 | Verified |
| 1083 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1562 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1562 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 45.82201 | 53.97 | Verified |
| 1368 | XX | XX | XX | Street | XX | XX | Verified |
| 1368 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1368 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1368 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1368 | XX | XX | XX | Representative FICO | 553 | 548 | Verified |
| 1433 | XX | XX | XX | Street | XX | XX | Verified |
| 1351 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1351 | XX | XX | XX | Representative FICO | 720 | 559 | Verified |
| 1351 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 90.66 | Verified |
| 1128 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1128 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1128 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1128 | XX | XX | XX | Representative FICO | 730 | 654 | Verified |
| 1446 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1066 | XX | XX | XX | Representative FICO | 668 | 635 | Verified |
| 1724 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1724 | XX | XX | XX | Representative FICO | 588 | 567 | Verified |
| 1661 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1661 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1137 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1137 | XX | XX | XX | Original CLTV | 80 | 95 | Verified |
| 1275 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1275 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1275 | XX | XX | XX | Representative FICO | 648 | 629 | Verified |
| 1817 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1817 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1817 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1817 | XX | XX | XX | Representative FICO | 621 | 547 | Verified |
| 1817 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.35374 | 45.28 | Verified |
| 1249 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1249 | XX | XX | XX | Representative FICO | 605 | 594 | Verified |
| 1249 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 25.49128 | 44.739 | Verified |
| 1399 | XX | XX | XX | Street | XX | XX | Verified |
| 1399 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1399 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1579 | XX | XX | XX | Zip | XX | XX | Verified |
| 1579 | XX | XX | XX | Representative FICO | 669 | 663 | Verified |
| 1293 | XX | XX | XX | Zip | XX | XX | Verified |
| 1243 | XX | XX | XX | Street | XX | XX | Verified |
| 1179 | XX | XX | XX | Representative FICO | 610 | 607 | Verified |
| 1466 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1466 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1466 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1466 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1466 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 1466 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1466 | XX | XX | XX | Representative FICO | 730 |  | Verified |
| 1466 | XX | XX | XX | Original CLTV | 97 |  | Verified |
| 1466 | XX | XX | XX | Original LTV | 97 |  | Verified |
| 1466 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 47.85903 |  | Verified |
| 1393 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1393 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1393 | XX | XX | XX | Representative FICO | 585 |  | Verified |
| 1393 | XX | XX | XX | Original CLTV | 65 |  | Verified |
| 1393 | XX | XX | XX | Original LTV | 65 |  | Verified |
| 1500 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1500 | XX | XX | XX | Representative FICO | 400 | 588 | Verified |
| 1500 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 45.40853 | 41.25 | Verified |
| 1700 | XX | XX | XX | Zip | XX | XX | Verified |
| 1700 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1700 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1700 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1700 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1091 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1091 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 42.11248 | 52.894 | Verified |
| 1218 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1218 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1218 | XX | XX | XX | Original Interest Rate | 4.125 | 7 | Verified |
| 1218 | XX | XX | XX | Original P&I | 1895.25 | 2021.99 | Verified |
| 1218 | XX | XX | XX | Representative FICO | 540 |  | Verified |
| 1218 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 1218 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1218 | XX | XX | XX | Interest Only Period Expiration Date | 2005-11-01 |  | Verified |
| 1218 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1218 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.36 |  | Verified |
| 1568 | XX | XX | XX | City | XX | XX | Verified |
| 1568 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1568 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1568 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 1568 | XX | XX | XX | Representative FICO | 710 |  | Verified |
| 1568 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 1568 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 1568 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.45738 |  | Verified |
| 1267 | XX | XX | XX | City | XX | XX | Verified |
| 1267 | XX | XX | XX | Zip | XX | XX | Verified |
| 1267 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1201 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1201 | XX | XX | XX | Original Interest Rate | 4.625 | 5.875 | Verified |
| 1201 | XX | XX | XX | Original P&I | 1295.03 | 851.35 | Verified |
| 1201 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1201 | XX | XX | XX | Interest Only Period Expiration Date | 2004-12-01 |  | Verified |
| 1139 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1139 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1139 | XX | XX | XX | Original Interest Rate | 4.625 | 5.375 | Verified |
| 1139 | XX | XX | XX | Original P&I | 1353.48 | 1421.21 | Verified |
| 1139 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1139 | XX | XX | XX | Representative FICO | 663 |  | Verified |
| 1139 | XX | XX | XX | Margin |  | 2.375 | Verified |
| 1139 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1139 | XX | XX | XX | Interest Rate Life Min |  | 2.375 | Verified |
| 1139 | XX | XX | XX | Interest Rate Life Max |  | 10.375 | Verified |
| 1139 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1139 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1139 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1139 | XX | XX | XX | Interest Rate Initial Maximum |  | 10.375 | Verified |
| 1139 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.375 | Verified |
| 1139 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1139 | XX | XX | XX | Interest Only Period Expiration Date | 2004-07-01 |  | Verified |
| 1139 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1139 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 46.925 |  | Verified |
| 1668 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1668 | XX | XX | XX | Original Interest Rate | 4.625 | 8.75 | Verified |
| 1668 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1668 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1668 | XX | XX | XX | Interest Only Period Expiration Date | 1995-08-01 |  | Verified |
| 1668 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1668 | XX | XX | XX | Original PITI | 632.61 | 484.63 | Verified |
| 1777 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1777 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1777 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1777 | XX | XX | XX | Representative FICO | 669 |  | Verified |
| 1777 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 1777 | XX | XX | XX | Occupancy | Primary | UTD | Verified |
| 1777 | XX | XX | XX | Purpose | Purchase | UTD | Verified |
| 1777 | XX | XX | XX | # of Units | 1 |  | Verified |
| 1777 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1777 | XX | XX | XX | Original LTV | 95 |  | Verified |
| 1777 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1777 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1777 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1840 | XX | XX | XX | Representative FICO | 745 |  | Verified |
| 1840 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1840 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1840 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1840 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1873 | XX | XX | XX | Representative FICO | 635 |  | Verified |
| 1873 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1873 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1873 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1436 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1436 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1629 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1629 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1629 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1874 | XX | XX | XX | Representative FICO | 713 |  | Verified |
| 1874 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1874 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1850 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1850 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1850 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1850 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1431 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1431 | XX | XX | XX | Representative FICO | 672 |  | Verified |
| 1431 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1431 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1431 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1723 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1723 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1723 | XX | XX | XX | Representative FICO | 624 |  | Verified |
| 1723 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1723 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1723 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1723 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1849 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1849 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1849 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1849 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1849 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1705 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1705 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1705 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1705 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1795 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1795 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1795 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1534 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1534 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1534 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1534 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1534 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1635 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1635 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1635 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1855 | XX | XX | XX | Street | XX | XX | Verified |
| 1855 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1855 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1855 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1740 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1740 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1517 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1517 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1517 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1517 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1517 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1831 | XX | XX | XX | Zip | XX | XX | Verified |
| 1831 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1831 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1831 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1285 | XX | XX | XX | Zip | XX | XX | Verified |
| 1285 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1285 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1285 | XX | XX | XX | Interest Rate Life Cap | 10.625 | 5 | Verified |
| 1285 | XX | XX | XX | Interest Rate Life Floor | 1 | 3.375 | Verified |
| 1285 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1609 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1609 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1609 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1609 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1609 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1609 | XX | XX | XX | Representative FICO | 657 |  | Verified |
| 1609 | XX | XX | XX | Interest Rate Life Cap | 5.75 |  | Verified |
| 1609 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1609 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1609 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1747 | XX | XX | XX | Zip | XX | XX | Verified |
| 1747 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1747 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1747 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1124 | XX | XX | XX | Zip | XX | XX | Verified |
| 1124 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1124 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1883 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1883 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1883 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1309 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1309 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1309 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1309 | XX | XX | XX | Interest Rate Life Cap | 9.95 | 8.45 | Verified |
| 1309 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1309 | XX | XX | XX | Interest Rate Life Floor | 3.45 |  | Verified |
| 1309 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1309 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1749 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1749 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1487 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1487 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1487 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1397 | XX | XX | XX | Zip | XX | XX | Verified |
| 1397 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1397 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1397 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1075 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1075 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1075 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1147 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1147 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1147 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1501 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 1501 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1501 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1501 | XX | XX | XX | Interest Rate Life Cap | 3.5 |  | Verified |
| 1501 | XX | XX | XX | Original LTV | 102.37 | 100 | Verified |
| 1501 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1061 | XX | XX | XX | Zip | XX | XX | Verified |
| 1061 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1061 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1061 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1061 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1061 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1763 | XX | XX | XX | Zip | XX | XX | Verified |
| 1763 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1763 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1763 | XX | XX | XX | Interest Rate Life Cap | 7.375 |  | Verified |
| 1763 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1763 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1763 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1317 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1317 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1317 | XX | XX | XX | Interest Rate Life Cap | 6.25 |  | Verified |
| 1317 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1317 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1317 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1129 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1129 | XX | XX | XX | Interest Rate Life Cap | 6.19 |  | Verified |
| 1129 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1129 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1326 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1326 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1326 | XX | XX | XX | Interest Rate Life Cap | 6 |  | Verified |
| 1326 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1326 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1341 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1341 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1341 | XX | XX | XX | Interest Rate Life Cap | 5.99 |  | Verified |
| 1341 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1341 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1349 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1349 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1349 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1280 | XX | XX | XX | Zip | XX | XX | Verified |
| 1280 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1280 | XX | XX | XX | Representative FICO | 746 | 744 | Verified |
| 1280 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1280 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1280 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1358 | XX | XX | XX | Zip | XX | XX | Verified |
| 1358 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1358 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1358 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1358 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1358 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1708 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1708 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1708 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1708 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1708 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1708 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1259 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1259 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1259 | XX | XX | XX | Occupancy | Primary | Investment | Verified |
| 1259 | XX | XX | XX | Interest Rate Life Cap | 6 |  | Verified |
| 1259 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1259 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1259 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1538 | XX | XX | XX | Zip | XX | XX | Verified |
| 1538 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1538 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1538 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1538 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1295 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1295 | XX | XX | XX | Original P&I | 1666.78 | 1982.75 | Verified |
| 1295 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1295 | XX | XX | XX | Interest Rate Life Cap | 10.25 | 5 | Verified |
| 1295 | XX | XX | XX | Interest Rate Life Floor | 1 | 6 | Verified |
| 1295 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1295 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1217 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1217 | XX | XX | XX | Interest Rate Life Cap | 7.25 |  | Verified |
| 1217 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1217 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1209 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1209 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1209 | XX | XX | XX | Interest Rate Life Cap | 6.75 |  | Verified |
| 1209 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1209 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1209 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1209 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1149 | XX | XX | XX | Zip | XX | XX | Verified |
| 1149 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1149 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1149 | XX | XX | XX | Interest Rate Life Cap | 4.625 |  | Verified |
| 1149 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1149 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1149 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1673 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1673 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1305 | XX | XX | XX | Zip | XX | XX | Verified |
| 1305 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1305 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1305 | XX | XX | XX | Interest Rate Life Cap | 4.625 |  | Verified |
| 1305 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1305 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1305 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1492 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1492 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1492 | XX | XX | XX | Interest Rate Life Cap | 12.875 | 5 | Verified |
| 1492 | XX | XX | XX | Interest Rate Life Floor | 3.25 | 4.625 | Verified |
| 1492 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1314 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1314 | XX | XX | XX | Representative FICO | 641 | 636 | Verified |
| 1314 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1314 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1247 | XX | XX | XX | Zip | XX | XX | Verified |
| 1247 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1247 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1247 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1247 | XX | XX | XX | Interest Rate Life Cap | 6.25 |  | Verified |
| 1247 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1247 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1247 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1503 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1503 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1237 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1237 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1237 | XX | XX | XX | Interest Rate Life Cap | 7.125 |  | Verified |
| 1237 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1237 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1237 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1388 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1388 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1388 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1388 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1549 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1680 | XX | XX | XX | Zip | XX | XX | Verified |
| 1680 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1680 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1680 | XX | XX | XX | Representative FICO | 736 | 679 | Verified |
| 1680 | XX | XX | XX | Interest Rate Life Cap | 6.75 |  | Verified |
| 1680 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1680 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1680 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1726 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1726 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1833 | XX | XX | XX | Zip | XX | XX | Verified |
| 1833 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1833 | XX | XX | XX | Interest Rate Life Cap | 6.875 |  | Verified |
| 1833 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1833 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1833 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1498 | XX | XX | XX | Zip | XX | XX | Verified |
| 1498 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1498 | XX | XX | XX | Interest Rate Life Cap | 12.125 | 7 | Verified |
| 1498 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1498 | XX | XX | XX | Interest Rate Life Floor | 1 | 0 | Verified |
| 1498 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1498 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1290 | XX | XX | XX | Zip | XX | XX | Verified |
| 1290 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1290 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1290 | XX | XX | XX | Interest Rate Life Cap | 3.625 |  | Verified |
| 1290 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1290 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1290 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1174 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1174 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1174 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1174 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1232 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1232 | XX | XX | XX | Interest Rate Life Cap | 12 | 5 | Verified |
| 1232 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1232 | XX | XX | XX | Interest Rate Life Floor | 1 | 4 | Verified |
| 1232 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1457 | XX | XX | XX | Zip | XX | XX | Verified |
| 1457 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1457 | XX | XX | XX | Interest Rate Life Cap | 6 |  | Verified |
| 1457 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1457 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1457 | XX | XX | XX | Coborrower Middle Name | XX |  | Verified |
| 1457 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1078 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1078 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1078 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1078 | XX | XX | XX | Interest Rate Life Cap | 5 |  | Verified |
| 1078 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1078 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1078 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1143 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1143 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1143 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1325 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1325 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1325 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1325 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1390 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1390 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1390 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1390 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1194 | XX | XX | XX | Zip | XX | XX | Verified |
| 1194 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1194 | XX | XX | XX | Interest Rate Life Cap | 6 |  | Verified |
| 1194 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1194 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1194 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1188 | XX | XX | XX | Zip | XX | XX | Verified |
| 1188 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1188 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1188 | XX | XX | XX | Interest Rate Life Cap | 6.625 |  | Verified |
| 1188 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1188 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1188 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1836 | XX | XX | XX | Zip | XX | XX | Verified |
| 1836 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1836 | XX | XX | XX | Interest Rate Life Cap | 6.25 |  | Verified |
| 1836 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1836 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1836 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1836 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1856 | XX | XX | XX | Zip | XX | XX | Verified |
| 1856 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1856 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1856 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1539 | XX | XX | XX | Zip | XX | XX | Verified |
| 1539 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1539 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1539 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1539 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1478 | XX | XX | XX | Zip | XX | XX | Verified |
| 1478 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1478 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1478 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1478 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1478 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1832 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1832 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1832 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1832 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1832 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1571 | XX | XX | XX | Zip | XX | XX | Verified |
| 1571 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1571 | XX | XX | XX | Original P&I | 2368.97 | 2275.94 | Verified |
| 1571 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1571 | XX | XX | XX | Interest Rate Life Cap | 10.875 | 4.625 | Verified |
| 1571 | XX | XX | XX | Interest Rate Life Floor | 1 | 4 | Verified |
| 1571 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1643 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1643 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1320 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1320 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1320 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1320 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1429 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1429 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1429 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1682 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1682 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1682 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1486 | XX | XX | XX | Zip | XX | XX | Verified |
| 1486 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1486 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1486 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1486 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1486 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1486 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1486 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1486 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1781 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1781 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1781 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1781 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1822 | XX | XX | XX | Zip | XX | XX | Verified |
| 1822 | XX | XX | XX | Representative FICO | 706 | 741 | Verified |
| 1822 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1822 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1822 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1822 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1751 | XX | XX | XX | Zip | XX | XX | Verified |
| 1751 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1751 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1751 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1751 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1751 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1854 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1854 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1854 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1854 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1866 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1866 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1697 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1697 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1745 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1745 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1713 | XX | XX | XX | Zip | XX | XX | Verified |
| 1713 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1713 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1713 | XX | XX | XX | Coborrower Middle Name | XX |  | Verified |
| 1713 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1872 | XX | XX | XX | Zip | XX | XX | Verified |
| 1872 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1872 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1872 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1357 | XX | XX | XX | Zip | XX | XX | Verified |
| 1357 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1357 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1357 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1858 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1858 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1858 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1526 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1526 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1526 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1526 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1526 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1526 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1653 | XX | XX | XX | Zip | XX | XX | Verified |
| 1653 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1653 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1653 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1653 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1653 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1862 | XX | XX | XX | Zip | XX | XX | Verified |
| 1862 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1862 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1862 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1807 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1807 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1807 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1807 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1812 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1812 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1439 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1439 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1439 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1439 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1461 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1461 | XX | XX | XX | Property Type | Single Family | PUD Attached | Verified |
| 1461 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1461 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1461 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1461 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1461 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1631 | XX | XX | XX | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified |
| 1631 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1631 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1169 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1169 | XX | XX | XX | Property Type | PUD | UTD | Verified |
| 1169 | XX | XX | XX | # of Units | 1 |  | Verified |
| 1169 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1169 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1169 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1169 | XX | XX | XX | Coborrower Middle Name | XX |  | Verified |
| 1169 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1799 | XX | XX | XX | Zip | XX | XX | Verified |
| 1799 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1799 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1799 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1799 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1299 | XX | XX | XX | Zip | XX | XX | Verified |
| 1696 | XX | XX | XX | Zip | XX | XX | Verified |
| 1696 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1696 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1696 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1696 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1696 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1696 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1241 | XX | XX | XX | Zip | XX | XX | Verified |
| 1241 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1241 | XX | XX | XX | Representative FICO | 642 | 655 | Verified |
| 1241 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1241 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1371 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1371 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1371 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1371 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1519 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1519 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1519 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1542 | XX | XX | XX | Zip | XX | XX | Verified |
| 1542 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1542 | XX | XX | XX | Original LTV | 92.79 | 96.9 | Verified |
| 1542 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1542 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1542 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1830 | XX | XX | XX | Representative FICO | 761 | 743 | Verified |
| 1830 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1830 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1830 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1396 | XX | XX | XX | Zip | XX | XX | Verified |
| 1396 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1396 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1396 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1338 | XX | XX | XX | Zip | XX | XX | Verified |
| 1338 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1338 | XX | XX | XX | Original LTV | 104.99 | 97.95 | Verified |
| 1338 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1338 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1338 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1338 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1881 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1881 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1881 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1372 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1372 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1372 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1372 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1372 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1784 | XX | XX | XX | Zip | XX | XX | Verified |
| 1784 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1784 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1784 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1332 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1332 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1332 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1805 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1805 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1805 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1857 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 1857 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1857 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1857 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1857 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1857 | XX | XX | XX | Coborrower Middle Name | XX |  | Verified |
| 1857 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1800 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1800 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1800 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1426 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1426 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1426 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1779 | XX | XX | XX | Zip | XX | XX | Verified |
| 1779 | XX | XX | XX | Property Type | PUD | UTD | Verified |
| 1779 | XX | XX | XX | # of Units | 1 |  | Verified |
| 1779 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1779 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1779 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1425 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1425 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1425 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1425 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1425 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1181 | XX | XX | XX | Zip | XX | XX | Verified |
| 1181 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1181 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1181 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1181 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1489 | XX | XX | XX | Zip | XX | XX | Verified |
| 1489 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1489 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1489 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1712 | XX | XX | XX | Zip | XX | XX | Verified |
| 1712 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1712 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1712 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1712 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1712 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1785 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1785 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1785 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1785 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1748 | XX | XX | XX | Zip | XX | XX | Verified |
| 1748 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1748 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1748 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1748 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1748 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1877 | XX | XX | XX | Zip | XX | XX | Verified |
| 1877 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1877 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1877 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1826 | XX | XX | XX | Zip | XX | XX | Verified |
| 1826 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1826 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1826 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1826 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1826 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1615 | XX | XX | XX | Zip | XX | XX | Verified |
| 1615 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1615 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1615 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1733 | XX | XX | XX | Zip | XX | XX | Verified |
| 1733 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1733 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1733 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1733 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1733 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1733 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1824 | XX | XX | XX | Zip | XX | XX | Verified |
| 1824 | XX | XX | XX | Property Type | PUD | PUD Attached | Verified |
| 1824 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1824 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1121 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1121 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1121 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1605 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1605 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1669 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 1669 | XX | XX | XX | # of Units | 1 |  | Verified |
| 1669 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1669 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1669 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1737 | XX | XX | XX | Representative FICO | 717 | 673 | Verified |
| 1737 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1636 | XX | XX | XX | Zip | XX | XX | Verified |
| 1636 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1636 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1636 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1636 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1674 | XX | XX | XX | Zip | XX | XX | Verified |
| 1674 | XX | XX | XX | Representative FICO | 716 | 727 | Verified |
| 1674 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1674 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1674 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1821 | XX | XX | XX | Zip | XX | XX | Verified |
| 1821 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1821 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1821 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1821 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1419 | XX | XX | XX | Zip | XX | XX | Verified |
| 1419 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1419 | XX | XX | XX | Property Type | Condo (Low Rise) | UTD | Verified |
| 1419 | XX | XX | XX | # of Units | 1 |  | Verified |
| 1419 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1419 | XX | XX | XX | Original LTV | 93.66 |  | Verified |
| 1419 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1419 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1419 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1419 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1352 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1352 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1352 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1352 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1352 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1666 | XX | XX | XX | Zip | XX | XX | Verified |
| 1666 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1666 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1666 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1666 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1852 | XX | XX | XX | Zip | XX | XX | Verified |
| 1852 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1852 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1852 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1638 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1638 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1638 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1638 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1525 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1525 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1525 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1525 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1525 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1140 | XX | XX | XX | Zip | XX | XX | Verified |
| 1140 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1140 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1140 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1140 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1140 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1778 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1778 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1778 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 1778 | XX | XX | XX | # of Units | 1 |  | Verified |
| 1778 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1778 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1778 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1778 | XX | XX | XX | Coborrower Middle Name | XX |  | Verified |
| 1778 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1810 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1810 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1810 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1810 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1416 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1410 | XX | XX | XX | Zip | XX | XX | Verified |
| 1410 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1410 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1410 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1803 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1803 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1803 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1803 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1632 | XX | XX | XX | Zip | XX | XX | Verified |
| 1632 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1632 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1632 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1689 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1689 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1689 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1528 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1528 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1528 | XX | XX | XX | Representative FICO | 703 | 717 | Verified |
| 1528 | XX | XX | XX | Interest Rate Life Cap | 4.875 |  | Verified |
| 1528 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1528 | XX | XX | XX | Original LTV | 108.57 | 100 | Verified |
| 1528 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1528 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1528 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1879 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1879 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1879 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1879 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1879 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1868 | XX | XX | XX | Zip | XX | XX | Verified |
| 1868 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1868 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1868 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1828 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1828 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1828 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1815 | XX | XX | XX | Representative FICO | 637 | 668 | Verified |
| 1815 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1815 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1815 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1815 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1173 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1173 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1173 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1413 | XX | XX | XX | Original P&I | 562.00 | 561.68 | Verified |
| 1413 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1413 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1652 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 1652 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1652 | XX | XX | XX | Original P&I | 1586.00 | 1585.89 | Verified |
| 1652 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1652 | XX | XX | XX | Representative FICO | 741 |  | Verified |
| 1652 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 1652 | XX | XX | XX | Interest Rate Life Cap | 5.625 |  | Verified |
| 1652 | XX | XX | XX | # of Units | 1 |  | Verified |
| 1652 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1652 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1652 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1662 | XX | XX | XX | Original P&I | 509.00 | 508.71 | Verified |
| 1584 | XX | XX | XX | Original P&I | 438.00 | 437.52 | Verified |
| 1584 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1584 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1865 | XX | XX | XX | Original P&I | 584.00 | 584.33 | Verified |
| 1865 | XX | XX | XX | Representative FICO | 640 |  | Verified |
| 1865 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1865 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1865 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1715 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 1715 | XX | XX | XX | Original P&I | 1921.00 | 1920.94 | Verified |
| 1715 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1715 | XX | XX | XX | Interest Rate Life Cap | 6.625 |  | Verified |
| 1715 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1715 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1715 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1574 | XX | XX | XX | Interest Rate Life Cap | 10.75 | 5 | Verified |
| 1574 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1574 | XX | XX | XX | Interest Rate Life Floor | 2 | 3.75 | Verified |
| 1574 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1762 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1762 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1762 | XX | XX | XX | Original P&I | 2171.00 | 2171.07 | Verified |
| 1762 | XX | XX | XX | Amortization Type | ARM | Fixed | Verified |
| 1762 | XX | XX | XX | Interest Rate Life Cap | 2 |  | Verified |
| 1762 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1762 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1762 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1146 | XX | XX | XX | Zip | XX | XX | Verified |
| 1146 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1146 | XX | XX | XX | Original P&I | 1006.00 | 1005.85 | Verified |
| 1146 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1146 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1269 | XX | XX | XX | Zip | XX | XX | Verified |
| 1269 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1269 | XX | XX | XX | Original P&I | 1568.00 | 1568.08 | Verified |
| 1269 | XX | XX | XX | Interest Rate Life Cap | 5.875 |  | Verified |
| 1269 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1269 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1834 | XX | XX | XX | Original P&I | 302.00 | 302.30 | Verified |
| 1272 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1272 | XX | XX | XX | Original P&I | 714.00 | 713.82 | Verified |
| 1272 | XX | XX | XX | Representative FICO | 689 | 688 | Verified |
| 1272 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1272 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1404 | XX | XX | XX | Original P&I | 1921.00 | 1921.49 | Verified |
| 1404 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1404 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1614 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1614 | XX | XX | XX | Original P&I | 520.00 | 519.57 | Verified |
| 1614 | XX | XX | XX | Representative FICO | 740 |  | Verified |
| 1614 | XX | XX | XX | Purpose | Refinance | UTD | Verified |
| 1614 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1614 | XX | XX | XX | Original LTV | 66.25 |  | Verified |
| 1614 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1614 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1614 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1614 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1841 | XX | XX | XX | Original P&I | 284.00 | 284.44 | Verified |
| 1814 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1814 | XX | XX | XX | Original P&I | 959.00 | 959.28 | Verified |
| 1814 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1814 | XX | XX | XX | Original LTV | 70.8 | 80 | Verified |
| 1814 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1814 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1814 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1848 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1848 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1848 | XX | XX | XX | Representative FICO | 715 |  | Verified |
| 1848 | XX | XX | XX | Property Type | PUD | UTD | Verified |
| 1848 | XX | XX | XX | Occupancy | Primary | UTD | Verified |
| 1848 | XX | XX | XX | # of Units | 1 |  | Verified |
| 1848 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1848 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1848 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1848 | XX | XX | XX | Coborrower Middle Name | XX |  | Verified |
| 1848 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1886 | XX | XX | XX | Street | XX | XX | Verified |
| 1741 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1741 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1741 | XX | XX | XX | Representative FICO | 711 | 719 | Verified |
| 1741 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1741 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1741 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1875 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1875 | XX | XX | XX | Representative FICO | 710 |  | Verified |
| 1875 | XX | XX | XX | Occupancy | Primary | UTD | Verified |
| 1875 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 1875 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1875 | XX | XX | XX | Original LTV | 75 |  | Verified |
| 1875 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1875 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1875 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1875 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1875 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1667 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1667 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1667 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1667 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1667 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1667 | XX | XX | XX | Representative FICO | 572 |  | Verified |
| 1667 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 1667 | XX | XX | XX | Interest Rate Life Cap | 6.375 |  | Verified |
| 1667 | XX | XX | XX | # of Units | 1 |  | Verified |
| 1667 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1667 | XX | XX | XX | Original LTV | 93.85 | 94.98 | Verified |
| 1667 | XX | XX | XX | Interest Rate Life Floor | 1 |  | Verified |
| 1667 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1667 | XX | XX | XX | Borrower Middle Name | XX | XX | Verified |
| 1667 | XX | XX | XX | Coborrower Middle Name | XX | XX | Verified |
| 1667 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1870 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1870 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1870 | XX | XX | XX | Representative FICO | 733 |  | Verified |
| 1870 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 1870 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1870 | XX | XX | XX | Original LTV | 75 |  | Verified |
| 1870 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1870 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1706 | XX | XX | XX | Zip | XX | XX | Verified |
| 1706 | XX | XX | XX | Representative FICO | 753 | 765 | Verified |
| 1706 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1706 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1706 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1205 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1205 | XX | XX | XX | Original Interest Rate | 4 | 6.5 | Verified |
| 1205 | XX | XX | XX | Original P&I | 646.56 | 552.73 | Verified |
| 1205 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1205 | XX | XX | XX | Interest Only Period Expiration Date | 2007-07-01 |  | Verified |
| 1205 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 54.01645 | 51.76 | Verified |
| 1577 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1577 | XX | XX | XX | Representative FICO | 739 | 731 | Verified |
| 1577 | XX | XX | XX | Property Type | PUD | Single Family Detached | Verified |
| 1577 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1577 | XX | XX | XX | Interest Rate Life Floor | 0 |  | Verified |
| 1577 | XX | XX | XX | Borrower Middle Name | XX |  | Verified |
| 1577 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 1252 | XX | XX | XX | Amortization Term | 422 | 360 | Verified |
| 1252 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1252 | XX | XX | XX | Original LTV | 87.3 | 100 | Verified |
| 1252 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1252 | XX | XX | XX | PMI Coverage % | 20 |  | Verified |
| 1252 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1786 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1786 | XX | XX | XX | Original P&I | 788.59 | 817.88 | Verified |
| 1786 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 1786 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1786 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1843 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1843 | XX | XX | XX | Representative FICO | 682 |  | Verified |
| 1843 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1843 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1843 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 30.33241 |  | Verified |
| 1843 | XX | XX | XX | Original PITI | 392.23 | 321.37 | Verified |
| 1725 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1725 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1725 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1725 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1725 | XX | XX | XX | Original Interest Rate | 4.125 | 7 | Verified |
| 1725 | XX | XX | XX | Representative FICO | 761 |  | Verified |
| 1725 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1725 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 19.78592 |  | Verified |
| 1725 | XX | XX | XX | Original PITI | 624.67 | 628.05 | Verified |
| 1847 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1847 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1847 | XX | XX | XX | Representative FICO | 611 |  | Verified |
| 1847 | XX | XX | XX | Occupancy | Investment | UTD | Verified |
| 1847 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1847 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1847 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 6.08333 |  | Verified |
| 1847 | XX | XX | XX | Original PITI | 306.82 | 228.02 | Verified |
| 1731 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1731 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1731 | XX | XX | XX | Original Interest Rate | 4 | 7.25 | Verified |
| 1731 | XX | XX | XX | Representative FICO | 686 | 641 | Verified |
| 1731 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1731 | XX | XX | XX | Original PITI | 1334.14 | 1271.09 | Verified |
| 1096 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1096 | XX | XX | XX | Representative FICO | 680 |  | Verified |
| 1096 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1096 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1096 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1096 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1096 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1187 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1187 | XX | XX | XX | Representative FICO | 782 |  | Verified |
| 1187 | XX | XX | XX | Property Type | UTD | Manufactured Housing | Verified |
| 1187 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1187 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1844 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1844 | XX | XX | XX | Amortization Term | 240 | 360 | Verified |
| 1844 | XX | XX | XX | Representative FICO | 755 |  | Verified |
| 1844 | XX | XX | XX | Property Type | UTD | PUD | Verified |
| 1844 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1844 | XX | XX | XX | Original LTV | 75 | 79.93 | Verified |
| 1844 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1844 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1168 | XX | XX | XX | City | XX | XX | Verified |
| 1168 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1168 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1168 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1168 | XX | XX | XX | PMI Coverage % |  | 17 | Verified |
| 1474 | XX | XX | XX | Representative FICO | 720 |  | Verified |
| 1474 | XX | XX | XX | Property Type | UTD | PUD | Verified |
| 1474 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1474 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1474 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1222 | XX | XX | XX | Representative FICO | 586 |  | Verified |
| 1222 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1222 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1222 | XX | XX | XX | PMI Company | XX |  | Verified |
| 1222 | XX | XX | XX | PMI Coverage % | 17 |  | Verified |
| 1222 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1728 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1728 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1728 | XX | XX | XX | Representative FICO | 713 |  | Verified |
| 1728 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1728 | XX | XX | XX | Interest Only Period Expiration Date | 2002-11-01 |  | Verified |
| 1728 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 23.1746 | 19.36 | Verified |
| 1728 | XX | XX | XX | Original PITI | 436.28 | 377.28 | Verified |
| 1421 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1421 | XX | XX | XX | Representative FICO | 591 |  | Verified |
| 1421 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1421 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1421 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1421 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1254 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1254 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1637 | XX | XX | XX | Street | XX | XX | Verified |
| 1637 | XX | XX | XX | Representative FICO | 605 |  | Verified |
| 1637 | XX | XX | XX | Property Type | UTD | Single Family Attached | Verified |
| 1637 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1637 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1637 | XX | XX | XX | PMI Coverage % | 20 |  | Verified |
| 1637 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1864 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1864 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1864 | XX | XX | XX | Representative FICO | 666 |  | Verified |
| 1864 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1864 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1864 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.24597 |  | Verified |
| 1864 | XX | XX | XX | Original PITI | 1221.39 | 863.69 | Verified |
| 1766 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1087 | XX | XX | XX | Representative FICO | 773 |  | Verified |
| 1087 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1087 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1087 | XX | XX | XX | PMI Company | XX |  | Verified |
| 1087 | XX | XX | XX | PMI Coverage % | 20 |  | Verified |
| 1087 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1842 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1842 | XX | XX | XX | Original Interest Rate | 4.25 | 5.875 | Verified |
| 1842 | XX | XX | XX | Representative FICO | 737 |  | Verified |
| 1842 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1842 | XX | XX | XX | Interest Only Period Expiration Date | 2003-02-01 |  | Verified |
| 1842 | XX | XX | XX | Original PITI | 1406.13 | 1715.46 | Verified |
| 1867 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1867 | XX | XX | XX | Representative FICO | 687 |  | Verified |
| 1867 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 1867 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.5814 | 34.58 | Verified |
| 1867 | XX | XX | XX | Original PITI | 707.81 | 575.57 | Verified |
| 1343 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1343 | XX | XX | XX | Representative FICO | 723 | 727 | Verified |
| 1343 | XX | XX | XX | Property Type | UTD | Single Family Attached | Verified |
| 1343 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1343 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1343 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1415 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1415 | XX | XX | XX | Representative FICO | 697 |  | Verified |
| 1415 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1415 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1415 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1415 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1819 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1819 | XX | XX | XX | Original Interest Rate | 3.5 | 4.75 | Verified |
| 1819 | XX | XX | XX | Original P&I | 1832.45 | 1043.29 | Verified |
| 1819 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1819 | XX | XX | XX | Representative FICO | 672 | 732 | Verified |
| 1819 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 1819 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1819 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1819 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1819 | XX | XX | XX | Interest Rate Life Max |  | 9.75 | Verified |
| 1819 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1819 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1819 | XX | XX | XX | Interest Rate Initial Maximum |  | 9.75 | Verified |
| 1819 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1819 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1819 | XX | XX | XX | Interest Only Period Expiration Date | 2003-09-01 |  | Verified |
| 1819 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.025 | 46.52 | Verified |
| 1882 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1882 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1882 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1882 | XX | XX | XX | Original P&I | 636.07 | 1333.31 | Verified |
| 1882 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1882 | XX | XX | XX | Interest Only Period Expiration Date | 2003-10-01 |  | Verified |
| 1851 | XX | XX | XX | City | XX | XX | Verified |
| 1851 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1851 | XX | XX | XX | First Interest Rate Change Date | 2006-10-01 | 2006-09-01 | Verified |
| 1851 | XX | XX | XX | Interest Rate Life Min | 1.5 | 8.875 | Verified |
| 1851 | XX | XX | XX | Interest Rate Periodic Cap | 15.875 | 1.5 | Verified |
| 1851 | XX | XX | XX | Interest Rate Initial Maximum | 15.875 | 10.375 | Verified |
| 1851 | XX | XX | XX | Interest Rate Initial Minimum | 1.5 | 8.875 | Verified |
| 1225 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1225 | XX | XX | XX | Original P&I | 704.53 | 453.37 | Verified |
| 1225 | XX | XX | XX | Representative FICO | 695 | 714 | Verified |
| 1225 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 1225 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1225 | XX | XX | XX | Interest Only Period Expiration Date | 2004-01-01 |  | Verified |
| 1225 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 32.15078 | 35.04 | Verified |
| 1291 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1291 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1291 | XX | XX | XX | PMI Coverage % |  | 12 | Verified |
| 1496 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1496 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1496 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 1496 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 23.81 | Verified |
| 1158 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1158 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1158 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1838 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1838 | XX | XX | XX | Representative FICO | 709 |  | Verified |
| 1838 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1838 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1838 | XX | XX | XX | PMI Coverage % | 0 | 35 | Verified |
| 1838 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1838 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1382 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1382 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1382 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1382 | XX | XX | XX | Original Interest Rate | 4.5 | 4.75 | Verified |
| 1382 | XX | XX | XX | Original P&I | 608.25 | 448.62 | Verified |
| 1382 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1382 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1382 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1382 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1382 | XX | XX | XX | Interest Rate Life Max |  | 10.75 | Verified |
| 1382 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1382 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1382 | XX | XX | XX | Interest Rate Initial Maximum |  | 6.75 | Verified |
| 1382 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.75 | Verified |
| 1382 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1382 | XX | XX | XX | Interest Only Period Expiration Date | 2004-04-01 |  | Verified |
| 1382 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 58.48361 | 34.26 | Verified |
| 1287 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1287 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1287 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1287 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1287 | XX | XX | XX | Original Interest Rate | 4.125 | 5.875 | Verified |
| 1287 | XX | XX | XX | Original P&I | 1900.61 | 1035.20 | Verified |
| 1287 | XX | XX | XX | Representative FICO | 592 |  | Verified |
| 1287 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1287 | XX | XX | XX | Interest Only Period Expiration Date | 2004-04-01 |  | Verified |
| 1287 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1287 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 19.80443 |  | Verified |
| 1796 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1796 | XX | XX | XX | Original Interest Rate | 4.125 | 6 | Verified |
| 1796 | XX | XX | XX | Original P&I | 1598.43 | 1295.03 | Verified |
| 1796 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1796 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 1796 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1796 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1796 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1796 | XX | XX | XX | Interest Rate Life Max |  | 11 | Verified |
| 1796 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1796 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1796 | XX | XX | XX | Interest Rate Initial Maximum |  | 11 | Verified |
| 1796 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1796 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1796 | XX | XX | XX | Interest Only Period Expiration Date | 2004-09-01 |  | Verified |
| 1362 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1362 | XX | XX | XX | Original P&I | 1070.78 | 432.23 | Verified |
| 1362 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1362 | XX | XX | XX | Interest Only Period Expiration Date | 2004-07-01 |  | Verified |
| 1468 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1468 | XX | XX | XX | Representative FICO | 771 | 772 | Verified |
| 1468 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1468 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1468 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1468 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1670 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1670 | XX | XX | XX | Original Interest Rate | 3.875 | 5 | Verified |
| 1670 | XX | XX | XX | Original P&I | 1251.35 | 1417.21 | Verified |
| 1670 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1670 | XX | XX | XX | Representative FICO | 706 | 711 | Verified |
| 1670 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 1670 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1670 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1670 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1670 | XX | XX | XX | Interest Rate Life Max |  | 10 | Verified |
| 1670 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1670 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1670 | XX | XX | XX | Interest Rate Initial Maximum |  | 10 | Verified |
| 1670 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1670 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1670 | XX | XX | XX | Interest Only Period Expiration Date | 2004-10-01 |  | Verified |
| 1670 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 28.59 | 49.2 | Verified |
| 1645 | XX | XX | XX | Representative FICO | 661 | 667 | Verified |
| 1645 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1645 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1645 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1645 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1323 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1110 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1226 | XX | XX | XX | City | XX | XX | Verified |
| 1226 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1226 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1481 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1481 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 1481 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1481 | XX | XX | XX | First Interest Rate Change Date | 2008-02-01 | 2008-01-01 | Verified |
| 1481 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1481 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1481 | XX | XX | XX | Interest Rate Life Max |  | 13 | Verified |
| 1481 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1481 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1481 | XX | XX | XX | Interest Rate Initial Maximum |  | 9 | Verified |
| 1481 | XX | XX | XX | Interest Rate Initial Minimum |  | 5 | Verified |
| 1481 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1481 | XX | XX | XX | Interest Only Period Expiration Date | 2015-02-01 | 2008-01-01 | Verified |
| 1481 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1730 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1730 | XX | XX | XX | Original Interest Rate | 4 | 5.125 | Verified |
| 1730 | XX | XX | XX | Original P&I | 1364.21 | 1415.67 | Verified |
| 1730 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 1730 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 1730 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1730 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1730 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1730 | XX | XX | XX | Interest Rate Life Max |  | 10.125 | Verified |
| 1730 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1730 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1730 | XX | XX | XX | Interest Rate Initial Maximum |  | 10.125 | Verified |
| 1730 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1730 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1730 | XX | XX | XX | Interest Only Period Expiration Date | 2005-02-01 |  | Verified |
| 1730 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 33.73846 | 24.102 | Verified |
| 1277 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1548 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1548 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 1548 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1548 | XX | XX | XX | First Interest Rate Change Date | 2010-08-01 | 2010-07-01 | Verified |
| 1548 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1548 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1548 | XX | XX | XX | Interest Rate Life Max |  | 10.375 | Verified |
| 1548 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1548 | XX | XX | XX | Interest Rate Initial Maximum |  | 10.375 | Verified |
| 1548 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1548 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1721 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1311 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1311 | XX | XX | XX | Original Interest Rate | 3 | 5.5 | Verified |
| 1311 | XX | XX | XX | Original P&I | 555.44 | 1033.38 | Verified |
| 1311 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 1311 | XX | XX | XX | Representative FICO | 684 | 572 | Verified |
| 1112 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1112 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 46.4 | Verified |
| 1262 | XX | XX | XX | Zip | XX | XX | Verified |
| 1262 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1262 | XX | XX | XX | Original Interest Rate | 3.625 | 5.75 | Verified |
| 1262 | XX | XX | XX | Original P&I | 2156.37 | 1495.00 | Verified |
| 1262 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1262 | XX | XX | XX | Representative FICO | 704 | 678 | Verified |
| 1262 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1262 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 1262 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1262 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1262 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1262 | XX | XX | XX | Interest Rate Life Max |  | 10.75 | Verified |
| 1262 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1262 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1262 | XX | XX | XX | Interest Rate Initial Maximum |  | 10.75 | Verified |
| 1262 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1262 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1262 | XX | XX | XX | Interest Only Period Expiration Date | 2005-09-01 | 2015-08-01 | Verified |
| 1262 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 30.48128 | 27.27 | Verified |
| 1545 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1545 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1545 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1545 | XX | XX | XX | Original Interest Rate | 4 | 5.5 | Verified |
| 1545 | XX | XX | XX | Original P&I | 1740.95 | 1430.83 | Verified |
| 1545 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1545 | XX | XX | XX | Interest Only Period Expiration Date | 2005-09-01 |  | Verified |
| 1216 | XX | XX | XX | City | XX | XX | Verified |
| 1216 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1216 | XX | XX | XX | Representative FICO | 683 |  | Verified |
| 1216 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1216 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1216 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1216 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1216 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1322 | XX | XX | XX | Representative FICO | 789 |  | Verified |
| 1322 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1322 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 1322 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1322 | XX | XX | XX | Original LTV | 77.9 |  | Verified |
| 1322 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1322 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1322 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1155 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1155 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1210 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1210 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1210 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1210 | XX | XX | XX | PMI Coverage % | 20 |  | Verified |
| 1210 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1077 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1077 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 1077 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1077 | XX | XX | XX | First Interest Rate Change Date | 2009-04-01 | 2009-03-01 | Verified |
| 1077 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1077 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1077 | XX | XX | XX | Interest Rate Life Max |  | 13.25 | Verified |
| 1077 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1077 | XX | XX | XX | Interest Rate Initial Maximum |  | 9.25 | Verified |
| 1077 | XX | XX | XX | Interest Rate Initial Minimum |  | 5.25 | Verified |
| 1077 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1077 | XX | XX | XX | Interest Only Period Expiration Date |  | 2009-03-01 | Verified |
| 1318 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1318 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1318 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1318 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1318 | XX | XX | XX | Original Interest Rate | 3.625 | 6.25 | Verified |
| 1318 | XX | XX | XX | Original P&I | 1851.27 | 2444.40 | Verified |
| 1318 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1318 | XX | XX | XX | Interest Only Period Expiration Date | 2006-04-01 |  | Verified |
| 1513 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1513 | XX | XX | XX | Interest Only | 1 |  | Verified |
| 1513 | XX | XX | XX | Interest Rate Periodic Floor |  | 0 | Verified |
| 1513 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1513 | XX | XX | XX | Payment Change Frequency | 1 | 12 | Verified |
| 1513 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 48.39 | Verified |
| 1265 | XX | XX | XX | Zip | XX | XX | Verified |
| 1265 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1265 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1265 | XX | XX | XX | Original Interest Rate | 4.5 | 6.375 | Verified |
| 1265 | XX | XX | XX | Original P&I | 1168.86 | 1172.88 | Verified |
| 1265 | XX | XX | XX | Interest Only Period Expiration Date | 2006-07-01 |  | Verified |
| 1265 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 74.86154 | 55.04 | Verified |
| 1350 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1350 | XX | XX | XX | Original Interest Rate | 4.5 | 7.25 | Verified |
| 1350 | XX | XX | XX | Original P&I | 1540.76 | 1546.67 | Verified |
| 1350 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1350 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1350 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1350 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1350 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1350 | XX | XX | XX | Interest Rate Life Max |  | 12.25 | Verified |
| 1350 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1350 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1350 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1350 | XX | XX | XX | Interest Rate Initial Maximum |  | 12.25 | Verified |
| 1350 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1350 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1350 | XX | XX | XX | Interest Only Period Expiration Date | 2006-07-01 | 2011-06-01 | Verified |
| 1350 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.29412 | 45.07 | Verified |
| 1710 | XX | XX | XX | Representative FICO | 795 |  | Verified |
| 1710 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1710 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1710 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1127 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1127 | XX | XX | XX | Original Interest Rate | 4 | 6.375 | Verified |
| 1127 | XX | XX | XX | Original P&I | 1538.55 | 1997.50 | Verified |
| 1127 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1127 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1127 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1127 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1127 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1127 | XX | XX | XX | Interest Rate Life Max |  | 12.375 | Verified |
| 1127 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1127 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1127 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1127 | XX | XX | XX | Interest Rate Initial Maximum |  | 8.375 | Verified |
| 1127 | XX | XX | XX | Interest Rate Initial Minimum |  | 4.375 | Verified |
| 1127 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1127 | XX | XX | XX | Interest Only Period Expiration Date | 2008-09-01 | 2016-07-01 | Verified |
| 1303 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1303 | XX | XX | XX | Representative FICO | 609 | 629 | Verified |
| 1303 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1303 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1303 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1387 | XX | XX | XX | Zip | XX | XX | Verified |
| 1387 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1387 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 1387 | XX | XX | XX | Margin |  | 2.375 | Verified |
| 1387 | XX | XX | XX | First Interest Rate Change Date | 2013-09-01 | 2013-08-01 | Verified |
| 1387 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1387 | XX | XX | XX | Interest Rate Life Min |  | 2.375 | Verified |
| 1387 | XX | XX | XX | Interest Rate Life Max |  | 11.625 | Verified |
| 1387 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1387 | XX | XX | XX | Interest Rate Initial Maximum |  | 11.625 | Verified |
| 1387 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.375 | Verified |
| 1387 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1387 | XX | XX | XX | Interest Only Period Expiration Date |  | 2013-08-01 | Verified |
| 1387 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1236 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1236 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1236 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1236 | XX | XX | XX | PMI Coverage % | 0 | 25 | Verified |
| 1551 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1551 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1551 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1551 | XX | XX | XX | Original Interest Rate | 3 | 6.375 | Verified |
| 1551 | XX | XX | XX | Original P&I | 947.38 | 935.80 | Verified |
| 1551 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 1551 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1551 | XX | XX | XX | Interest Only Period Expiration Date | 2006-08-01 |  | Verified |
| 1811 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1811 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1811 | XX | XX | XX | Original Interest Rate | 2 | 7.25 | Verified |
| 1811 | XX | XX | XX | Original P&I | 1068.14 | 1364.36 | Verified |
| 1811 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 1811 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1811 | XX | XX | XX | Interest Only Period Expiration Date | 2006-09-01 |  | Verified |
| 1626 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1626 | XX | XX | XX | Original Interest Rate | 4.125 | 7.5 | Verified |
| 1626 | XX | XX | XX | Original P&I | 3241.78 | 1749.50 | Verified |
| 1626 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1626 | XX | XX | XX | Margin | 0 | 2.25 | Verified |
| 1626 | XX | XX | XX | Interest Rate Life Min | 0 | 2.25 | Verified |
| 1626 | XX | XX | XX | Interest Rate Initial Minimum | 2.5 | 2.25 | Verified |
| 1626 | XX | XX | XX | Interest Only Period Expiration Date | 2006-11-01 | 2016-10-01 | Verified |
| 1459 | XX | XX | XX | Zip | XX | XX | Verified |
| 1459 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1459 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1459 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1459 | XX | XX | XX | Original Interest Rate | 4.5 | 5.25 | Verified |
| 1459 | XX | XX | XX | Original P&I | 1224.09 | 997.50 | Verified |
| 1459 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1459 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1459 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1459 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1459 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1459 | XX | XX | XX | Interest Rate Life Max |  | 10.25 | Verified |
| 1459 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1459 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1459 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1459 | XX | XX | XX | Interest Rate Initial Maximum |  | 10.25 | Verified |
| 1459 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1459 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1459 | XX | XX | XX | Interest Only Period Expiration Date | 2006-09-01 | 2011-08-01 | Verified |
| 1107 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1107 | XX | XX | XX | Representative FICO | 651 | 647 | Verified |
| 1107 | XX | XX | XX | Property Type | UTD | 3 Family | Verified |
| 1107 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 1107 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1107 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1107 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1418 | XX | XX | XX | Zip | XX | XX | Verified |
| 1418 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1719 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1719 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1719 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| 1719 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 44.75 | Verified |
| 1569 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1569 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1569 | XX | XX | XX | Original P&I | 1248.38 | 906.79 | Verified |
| 1569 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1569 | XX | XX | XX | Interest Only Period Expiration Date | 2007-01-01 |  | Verified |
| 1427 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1427 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1427 | XX | XX | XX | Original Interest Rate | 4 | 6.375 | Verified |
| 1427 | XX | XX | XX | Original P&I | 1437.98 | 1427.41 | Verified |
| 1427 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1427 | XX | XX | XX | Interest Only Period Expiration Date | 2007-02-01 |  | Verified |
| 1427 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 34.18228 | 28.05 | Verified |
| 1178 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1111 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1111 | XX | XX | XX | Original Interest Rate | 4.125 | 6.875 | Verified |
| 1111 | XX | XX | XX | Original P&I | 1263.53 | 1417.97 | Verified |
| 1111 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1111 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1111 | XX | XX | XX | Interest Only Period Expiration Date | 2007-04-01 | 2017-03-01 | Verified |
| 1617 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1347 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1347 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1347 | XX | XX | XX | Original P&I | 930.70 | 668.06 | Verified |
| 1347 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1780 | XX | XX | XX | Zip | XX | XX | Verified |
| 1780 | XX | XX | XX | Representative FICO | 708 |  | Verified |
| 1780 | XX | XX | XX | # of Units | 1 |  | Verified |
| 1780 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1780 | XX | XX | XX | Original LTV | 55 |  | Verified |
| 1780 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1780 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1780 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1090 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1090 | XX | XX | XX | Original Interest Rate | 3 | 6.25 | Verified |
| 1090 | XX | XX | XX | Original P&I | 2358.94 | 2432.08 | Verified |
| 1090 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 1090 | XX | XX | XX | Representative FICO | 706 | 686 | Verified |
| 1090 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1090 | XX | XX | XX | Interest Only Period Expiration Date | 2007-06-01 |  | Verified |
| 1438 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1438 | XX | XX | XX | Original P&I | 1900.25 | 1495.66 | Verified |
| 1438 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1438 | XX | XX | XX | Interest Only Period Expiration Date | 2007-07-01 |  | Verified |
| 1438 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1281 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1281 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1281 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1281 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1790 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1790 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1790 | XX | XX | XX | Original Interest Rate | 4 | 5.875 | Verified |
| 1790 | XX | XX | XX | Original P&I | 560.06 | 581.49 | Verified |
| 1790 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1790 | XX | XX | XX | Interest Only Period Expiration Date | 2007-07-01 |  | Verified |
| 1208 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1208 | XX | XX | XX | Original Interest Rate | 4.625 | 6.25 | Verified |
| 1208 | XX | XX | XX | Original P&I | 1573.16 | 1474.64 | Verified |
| 1208 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1208 | XX | XX | XX | Interest Only Period Expiration Date | 2007-07-01 |  | Verified |
| 1215 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1215 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1215 | XX | XX | XX | Original P&I | 1236.66 | 1325.72 | Verified |
| 1215 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 1215 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1215 | XX | XX | XX | Interest Only Period Expiration Date | 2007-07-01 |  | Verified |
| 1547 | XX | XX | XX | Original Interest Rate | 4 | 6.125 | Verified |
| 1547 | XX | XX | XX | Original P&I | 1956.82 | 1225.55 | Verified |
| 1547 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1547 | XX | XX | XX | Interest Only Period Expiration Date | 2007-08-01 |  | Verified |
| 1467 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1467 | XX | XX | XX | Original Interest Rate | 3.875 | 6.5 | Verified |
| 1467 | XX | XX | XX | Original P&I | 1274.67 | 1542.13 | Verified |
| 1467 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1467 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 1467 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1467 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1467 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1467 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1467 | XX | XX | XX | Interest Rate Life Max |  | 11.5 | Verified |
| 1467 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1467 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1467 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1467 | XX | XX | XX | Interest Rate Initial Maximum |  | 11.5 | Verified |
| 1467 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1467 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1467 | XX | XX | XX | Interest Only Period Expiration Date | 2007-09-01 | 2017-08-01 | Verified |
| 1073 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1073 | XX | XX | XX | Representative FICO | 606 | 615 | Verified |
| 1073 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1073 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1073 | XX | XX | XX | PMI Coverage % | 128 |  | Verified |
| 1073 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1510 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1510 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1510 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1510 | XX | XX | XX | Original P&I | 429.13 | 349.28 | Verified |
| 1510 | XX | XX | XX | Representative FICO | 717 | 673 | Verified |
| 1510 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1510 | XX | XX | XX | Interest Only Period Expiration Date | 2007-09-01 |  | Verified |
| 1176 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1176 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1176 | XX | XX | XX | Original Interest Rate | 3.75 | 7 | Verified |
| 1176 | XX | XX | XX | Original P&I | 668.09 | 706.61 | Verified |
| 1176 | XX | XX | XX | Interest Only Period Expiration Date | 2007-10-01 |  | Verified |
| 1561 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1561 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1561 | XX | XX | XX | Original Interest Rate | 3.75 | 8.125 | Verified |
| 1561 | XX | XX | XX | Original P&I | 1456.37 | 1329.81 | Verified |
| 1561 | XX | XX | XX | Representative FICO | 555 |  | Verified |
| 1561 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1561 | XX | XX | XX | Interest Only Period Expiration Date | 2007-11-01 |  | Verified |
| 1561 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1561 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 85.83826 |  | Verified |
| 1675 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1675 | XX | XX | XX | Original P&I | 1187.08 | 997.95 | Verified |
| 1675 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1229 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1229 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1229 | XX | XX | XX | Original Interest Rate | 3 | 6.125 | Verified |
| 1229 | XX | XX | XX | Original P&I | 2386.42 | 1703.74 | Verified |
| 1229 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 1229 | XX | XX | XX | Representative FICO | 677 |  | Verified |
| 1229 | XX | XX | XX | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified |
| 1229 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1229 | XX | XX | XX | Interest Only Period Expiration Date | 2008-01-01 |  | Verified |
| 1229 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1229 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.14498 |  | Verified |
| 1195 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1195 | XX | XX | XX | Representative FICO | 681 | 667 | Verified |
| 1195 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 1195 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1195 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1195 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1195 | XX | XX | XX | Interest Rate Life Max |  | 11.125 | Verified |
| 1195 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1195 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1195 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 1195 | XX | XX | XX | Interest Rate Initial Maximum |  | 11.125 | Verified |
| 1195 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1195 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1195 | XX | XX | XX | Interest Only Period Expiration Date |  | 2017-12-01 | Verified |
| 1195 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 48.24 | Verified |
| 1145 | XX | XX | XX | Zip | XX | XX | Verified |
| 1145 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1145 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1145 | XX | XX | XX | Interest Only Period Expiration Date |  | 2017-09-01 | Verified |
| 1145 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 40.34 | Verified |
| 1448 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1448 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1448 | XX | XX | XX | Original LTV | 85.9 | 90 | Verified |
| 1448 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1448 | XX | XX | XX | PMI Coverage % | 84 |  | Verified |
| 1448 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1448 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1120 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1120 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1120 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 1120 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 49.51 | Verified |
| 1138 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1286 | XX | XX | XX | Zip | XX | XX | Verified |
| 1286 | XX | XX | XX | Original Term | 360 | 480 | Verified |
| 1286 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1286 | XX | XX | XX | Original P&I | 2123.56 | 2186.34 | Verified |
| 1286 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 1286 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1286 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1286 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1286 | XX | XX | XX | Interest Rate Life Max |  | 10.625 | Verified |
| 1286 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1286 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1286 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 1286 | XX | XX | XX | Interest Rate Initial Maximum |  | 10.625 | Verified |
| 1286 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1286 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1286 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 50.83 | Verified |
| 1286 | XX | XX | XX | Other Financing Junior Total Original Loan Amount |  | 100000.00 | Verified |
| 1166 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1166 | XX | XX | XX | Representative FICO | 575 | 569 | Verified |
| 1166 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1166 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1166 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1166 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1307 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1871 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1871 | XX | XX | XX | Original Interest Rate | 4.875 | 5.625 | Verified |
| 1871 | XX | XX | XX | Original P&I | 1029.57 | 468.75 | Verified |
| 1871 | XX | XX | XX | Representative FICO | 662 | 755 | Verified |
| 1871 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1871 | XX | XX | XX | Margin | 0 | 2.25 | Verified |
| 1871 | XX | XX | XX | Interest Rate Life Min | 0 | 2.25 | Verified |
| 1871 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1871 | XX | XX | XX | Interest Only Period Expiration Date | 2005-08-01 | 2010-07-01 | Verified |
| 1871 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.70769 | 46.08 | Verified |
| 1242 | XX | XX | XX | Representative FICO | 796 |  | Verified |
| 1242 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1242 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1242 | XX | XX | XX | Original LTV | 77.3 |  | Verified |
| 1242 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1242 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1242 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1619 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1619 | XX | XX | XX | Representative FICO | 688 | 683 | Verified |
| 1619 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1619 | XX | XX | XX | Original PITI | 845.55 | 701.56 | Verified |
| 1802 | XX | XX | XX | Representative FICO | 750 | 688 | Verified |
| 1802 | XX | XX | XX | Property Type | UTD | PUD Attached | Verified |
| 1802 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1802 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1802 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1802 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1363 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1363 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1363 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1363 | XX | XX | XX | Interest Only Period Expiration Date | 2019-04-01 | 2019-03-01 | Verified |
| 1363 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1363 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 53.34 | Verified |
| 1754 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1754 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1754 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1754 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1754 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1754 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1880 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1880 | XX | XX | XX | Representative FICO | 717 |  | Verified |
| 1880 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1823 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1823 | XX | XX | XX | Original Interest Rate | 6.75 | 7.5 | Verified |
| 1823 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 26.25229 | 33.48 | Verified |
| 1823 | XX | XX | XX | Original PITI | 456.81 | 402.80 | Verified |
| 1606 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1606 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1606 | XX | XX | XX | Interest Only Period Expiration Date | 2008-09-01 |  | Verified |
| 1606 | XX | XX | XX | Original PITI | 1115.85 | 722.62 | Verified |
| 1264 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1264 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1264 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1264 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1329 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1329 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1329 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1329 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1329 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1125 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1125 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1125 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1125 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1768 | XX | XX | XX | City | XX | XX | Verified |
| 1768 | XX | XX | XX | Property Type | UTD | PUD | Verified |
| 1768 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1768 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1768 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1768 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1671 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1671 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1671 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1671 | XX | XX | XX | Representative FICO | 598 | 548 | Verified |
| 1671 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1671 | XX | XX | XX | Interest Only Period Expiration Date | 2012-09-01 |  | Verified |
| 1671 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1671 | XX | XX | XX | Original PITI | 2181.18 | 1766.44 | Verified |
| 1654 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1654 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1654 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1654 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1279 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1279 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1279 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1279 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1279 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1279 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1502 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1502 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1502 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1502 | XX | XX | XX | Original PITI | 1205.61 | 845.02 | Verified |
| 1070 | XX | XX | XX | Representative FICO | 679 |  | Verified |
| 1070 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1070 | XX | XX | XX | PMI Company | XX |  | Verified |
| 1070 | XX | XX | XX | PMI Coverage % | 20 |  | Verified |
| 1093 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1093 | XX | XX | XX | PMI Company | XX |  | Verified |
| 1093 | XX | XX | XX | PMI Coverage % | 20 |  | Verified |
| 1093 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1772 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1772 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1772 | XX | XX | XX | Original LTV | 55.4 |  | Verified |
| 1772 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1772 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1720 | XX | XX | XX | Amortization Term | 480 | 180 | Verified |
| 1720 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1720 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1720 | XX | XX | XX | Original LTV | 59 |  | Verified |
| 1720 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1720 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1658 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1658 | XX | XX | XX | Original Interest Rate | 5.125 | 6.5 | Verified |
| 1658 | XX | XX | XX | Interest Only Period Expiration Date | 2003-08-01 |  | Verified |
| 1658 | XX | XX | XX | Original PITI | 1494.10 | 1264.14 | Verified |
| 1160 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1160 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1160 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1578 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1578 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 1578 | XX | XX | XX | Margin |  | 2.875 | Verified |
| 1578 | XX | XX | XX | First Interest Rate Change Date | 2008-12-01 | 2008-11-01 | Verified |
| 1578 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1578 | XX | XX | XX | Interest Rate Life Min |  | 2.875 | Verified |
| 1578 | XX | XX | XX | Interest Rate Life Max |  | 11.375 | Verified |
| 1578 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1578 | XX | XX | XX | Interest Rate Initial Maximum |  | 8.375 | Verified |
| 1578 | XX | XX | XX | Interest Rate Initial Minimum |  | 4.375 | Verified |
| 1578 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1738 | XX | XX | XX | Representative FICO | 639 | 635 | Verified |
| 1738 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1738 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1738 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1256 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1256 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1256 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1256 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1256 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1256 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1207 | XX | XX | XX | Representative FICO | 675 |  | Verified |
| 1207 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1207 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1207 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1130 | XX | XX | XX | Street | XX | XX | Verified |
| 1130 | XX | XX | XX | City | XX | XX | Verified |
| 1130 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1130 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1130 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1190 | XX | XX | XX | Representative FICO | 650 |  | Verified |
| 1190 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1190 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1190 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1699 | XX | XX | XX | Property Type | UTD | Single Family Attached | Verified |
| 1699 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1699 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1699 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1257 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1257 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1257 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1271 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1271 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1271 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1271 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1154 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1154 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1154 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1135 | XX | XX | XX | Property Type | UTD | PUD | Verified |
| 1135 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1135 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1135 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1135 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1212 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1212 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1212 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1212 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1422 | XX | XX | XX | Street | XX | XX | Verified |
| 1422 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1422 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1422 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1422 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1162 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1162 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1162 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1162 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1133 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1133 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1133 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1133 | XX | XX | XX | Original Interest Rate | 4.5 | 7.75 | Verified |
| 1133 | XX | XX | XX | Original P&I | 859.19 | 766.56 | Verified |
| 1133 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1133 | XX | XX | XX | Interest Only Period Expiration Date | 2006-01-01 |  | Verified |
| 1116 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1116 | XX | XX | XX | Property Type |  | PUD Attached | Verified |
| 1116 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 1116 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1116 | XX | XX | XX | Original LTV | 0 | 77.17 | Verified |
| 1116 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1116 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1359 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1359 | XX | XX | XX | Property Type | UTD | PUD | Verified |
| 1359 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1359 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1359 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1845 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1845 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1845 | XX | XX | XX | Original Interest Rate | 3.625 | 6.25 | Verified |
| 1845 | XX | XX | XX | Original P&I | 1264.61 | 1074.43 | Verified |
| 1845 | XX | XX | XX | Representative FICO | 675 |  | Verified |
| 1845 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 1845 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1845 | XX | XX | XX | Interest Only Period Expiration Date | 2006-04-01 |  | Verified |
| 1845 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1845 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 46.66993 |  | Verified |
| 1134 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1134 | XX | XX | XX | Property Type | UTD | PUD | Verified |
| 1134 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1292 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1292 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1292 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1625 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1625 | XX | XX | XX | Original P&I | 3213.30 | 2116.96 | Verified |
| 1625 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 1266 | XX | XX | XX | Property Type | UTD | Condo (Low Rise) | Verified |
| 1266 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1266 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1266 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1189 | XX | XX | XX | Property Type | UTD | PUD | Verified |
| 1189 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1189 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1189 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1860 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1860 | XX | XX | XX | Original P&I | 1342.74 | 853.48 | Verified |
| 1860 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 24.05167 | 15.9 | Verified |
| 1313 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1313 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1313 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1313 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1313 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1126 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1126 | XX | XX | XX | Original Interest Rate | 3.625 | 7.5 | Verified |
| 1126 | XX | XX | XX | Original P&I | 472.47 | 888.01 | Verified |
| 1126 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 1126 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1126 | XX | XX | XX | Interest Only Period Expiration Date | 2006-12-01 |  | Verified |
| 1165 | XX | XX | XX | Representative FICO | 679 | 669 | Verified |
| 1165 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1165 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1165 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1165 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1398 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1398 | XX | XX | XX | Representative FICO | 672 |  | Verified |
| 1398 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1398 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 1398 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1398 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1398 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1100 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1100 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1228 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1228 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1228 | XX | XX | XX | Original LTV | 77.1 |  | Verified |
| 1228 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1228 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1228 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1197 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 1197 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1197 | XX | XX | XX | Representative FICO | 629 | 603 | Verified |
| 1197 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1197 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1197 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1301 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1301 | XX | XX | XX | PMI Coverage % | 60 | 20 | Verified |
| 1301 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1301 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1414 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1414 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1414 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1414 | XX | XX | XX | Original Interest Rate | 3.5 | 7.625 | Verified |
| 1414 | XX | XX | XX | Original P&I | 1197.73 | 1751.79 | Verified |
| 1414 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1414 | XX | XX | XX | Interest Only Period Expiration Date | 2007-11-01 |  | Verified |
| 1080 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1080 | XX | XX | XX | Original P&I | 632.90 | 469.54 | Verified |
| 1080 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1080 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1080 | XX | XX | XX | Interest Only Period Expiration Date | 2007-12-01 |  | Verified |
| 1163 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1163 | XX | XX | XX | Margin | 0 |  | Verified |
| 1163 | XX | XX | XX | Interest Rate Change Frequency | 360 |  | Verified |
| 1163 | XX | XX | XX | Interest Rate Life Min | 0 |  | Verified |
| 1163 | XX | XX | XX | Interest Rate Life Max | 0 |  | Verified |
| 1163 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 1163 | XX | XX | XX | Interest Rate Initial Maximum | 0 |  | Verified |
| 1163 | XX | XX | XX | Interest Rate Initial Minimum | 0 |  | Verified |
| 1163 | XX | XX | XX | Payment Change Frequency | 360 |  | Verified |
| 1163 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1223 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1223 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1223 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1223 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1435 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 1435 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1435 | XX | XX | XX | Representative FICO | 706 |  | Verified |
| 1435 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1435 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1435 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1435 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1337 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1337 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1337 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 42.33 | Verified |
| 1337 | XX | XX | XX | Other Financing Junior Total Original Loan Amount |  | 50200.00 | Verified |
| 1220 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1220 | XX | XX | XX | Representative FICO | 713 | 698 | Verified |
| 1220 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1220 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1220 | XX | XX | XX | PMI Coverage % | 53 |  | Verified |
| 1220 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1901 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1901 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2665 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2665 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2665 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2665 | XX | XX | XX | Original Term | 248 | 240 | Verified |
| 2458 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2458 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2252 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2252 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2186 | XX | XX | XX | Zip | XX | XX | Verified |
| 2186 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2186 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2186 | XX | XX | XX | Original PITI | 551.30 | 509.80 | Verified |
| 2825 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2540 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2540 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2540 | XX | XX | XX | Original PITI | 621.20 | 958.77 | Verified |
| 2834 | XX | XX | XX | Original PITI | 2275.09 | 2203.92 | Verified |
| 1906 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1906 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1906 | XX | XX | XX | Interest Only Period Expiration Date | 2014-12-01 |  | Verified |
| 1906 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1906 | XX | XX | XX | Original PITI | 1278.27 | 1231.67 | Verified |
| 2342 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2342 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2342 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2342 | XX | XX | XX | Original PITI | 1184.81 | 876.53 | Verified |
| 2062 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2062 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2062 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2062 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2062 | XX | XX | XX | Original PITI | 834.29 | 816.75 | Verified |
| 2495 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2495 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2495 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2495 | XX | XX | XX | Original PITI | 571.48 | 810.67 | Verified |
| 2134 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2134 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2134 | XX | XX | XX | Interest Only Period Expiration Date | 2016-01-01 |  | Verified |
| 2134 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2134 | XX | XX | XX | Original PITI | 2493.19 | 2526.13 | Verified |
| 2280 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2280 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2280 | XX | XX | XX | Original Interest Rate | 4.625 | 4.75 | Verified |
| 2280 | XX | XX | XX | Representative FICO | 637 | 542 | Verified |
| 2280 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 2280 | XX | XX | XX | Interest Only Period Expiration Date | 2015-11-01 |  | Verified |
| 2280 | XX | XX | XX | Original PITI | 1259.60 | 1374.26 | Verified |
| 2027 | XX | XX | XX | Zip | XX | XX | Verified |
| 2027 | XX | XX | XX | Representative FICO | 781 | 772 | Verified |
| 2431 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 30.5687 | 26.14413 | Verified |
| 2840 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2840 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2840 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 74.83114 | Verified |
| 2871 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2871 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 113.32232 | Verified |
| 2229 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2229 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2229 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2229 | XX | XX | XX | Representative FICO | 617 | 613 | Verified |
| 2427 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1913 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 24.8774 | 21.76203 | Verified |
| 2117 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2117 | XX | XX | XX | Original CLTV | 76 | 59.84 | Verified |
| 2117 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 43.9422 | Verified |
| 2476 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 28.99963 | 41.26363 | Verified |
| 2376 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 40.78514 | Verified |
| 2850 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2850 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2850 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2850 | XX | XX | XX | Interest Only Period Expiration Date | 2015-10-01 |  | Verified |
| 2850 | XX | XX | XX | Original PITI | 1300.54 | 1243.01 | Verified |
| 1989 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1989 | XX | XX | XX | Representative FICO | 778 | 659 | Verified |
| 1930 | XX | XX | XX | Zip | XX | XX | Verified |
| 1930 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1930 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2863 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2863 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2863 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2863 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 71.75 | 89.61367 | Verified |
| 2863 | XX | XX | XX | Original PITI | 2796.26 | 2711.82 | Verified |
| 2851 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2851 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2882 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2882 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2830 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2830 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2830 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2068 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2068 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.47 | 52.91338 | Verified |
| 2729 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2729 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2729 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2087 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2087 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2839 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2901 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2709 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2709 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 49.99 | 43.73699 | Verified |
| 2531 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2499 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2528 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2528 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2780 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2780 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2819 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2819 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2838 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2838 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2838 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 639.92875 | Verified |
| 2771 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2771 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2691 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2892 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2892 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2433 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2433 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2496 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2334 | XX | XX | XX | City | XX | XX | Verified |
| 2334 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2334 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2854 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2854 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2854 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 38.14835 | Verified |
| 2768 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2900 | XX | XX | XX | Street | XX | XX | Verified |
| 2900 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2264 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2264 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 46.47 | 42.70307 | Verified |
| 2474 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2474 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1894 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1929 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2700 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1902 | XX | XX | XX | Street | XX | XX | Verified |
| 1902 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2145 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2145 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2842 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2811 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2702 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2737 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2845 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2263 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2263 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2380 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2293 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2293 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 32.22133 | Verified |
| 1940 | XX | XX | XX | Zip | XX | XX | Verified |
| 1940 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2129 | XX | XX | XX | Zip | XX | XX | Verified |
| 2129 | XX | XX | XX | Original CLTV | 151 | 152.08 | Verified |
| 2129 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2109 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2109 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2109 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 64.70495 | Verified |
| 2749 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2749 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2749 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2749 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 39.95025 | Verified |
| 2301 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2572 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2733 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2733 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 42.97952 | Verified |
| 1896 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1896 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1896 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1896 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 44.69 | 42.65394 | Verified |
| 1992 | XX | XX | XX | City | XX | XX | Verified |
| 1992 | XX | XX | XX | Original CLTV | 79 | 53.28 | Verified |
| 1992 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1992 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 59.22 | 52.76484 | Verified |
| 2603 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2033 | XX | XX | XX | Zip | XX | XX | Verified |
| 2033 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2875 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2875 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 19.91907 | Verified |
| 2321 | XX | XX | XX | Street | XX | XX | Verified |
| 2321 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2321 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 25.36253 | Verified |
| 2820 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2820 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2580 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1905 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1905 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 289.79009 | Verified |
| 2889 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2889 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 112.46154 | Verified |
| 2852 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2852 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2852 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2714 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2714 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 55.55455 | Verified |
| 2579 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2555 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2607 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2607 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2607 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 188.32745 | Verified |
| 2046 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 2046 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2663 | XX | XX | XX | Zip | XX | XX | Verified |
| 2663 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2663 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2178 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2178 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2753 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2907 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2718 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2718 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2718 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2058 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2058 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2058 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2828 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2328 | XX | XX | XX | Street | XX | XX | Verified |
| 2328 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2328 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2110 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2740 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 32.05 | 29.15679 | Verified |
| 2309 | XX | XX | XX | Street | XX | XX | Verified |
| 2309 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2309 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2309 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 21.13501 | Verified |
| 2716 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2716 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2716 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 43.64895 | Verified |
| 2597 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2597 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2111 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2111 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 81.88187 | Verified |
| 2457 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2457 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2082 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2026 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2026 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2645 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2035 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1898 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1898 | XX | XX | XX | Original Interest Rate | 4.125 | 5.875 | Verified |
| 1898 | XX | XX | XX | Original P&I | 1000.31 | 832.29 | Verified |
| 1898 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1898 | XX | XX | XX | Representative FICO | 716 | 724 | Verified |
| 1898 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1898 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1898 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1898 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1898 | XX | XX | XX | Interest Rate Life Max |  | 10.875 | Verified |
| 1898 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1898 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1898 | XX | XX | XX | Interest Rate Initial Maximum |  | 10.875 | Verified |
| 1898 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1898 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1898 | XX | XX | XX | Interest Only Period Expiration Date | 2008-01-01 | 2012-12-01 | Verified |
| 1898 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 33.51544 | 46 | Verified |
| 2325 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2325 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2325 | XX | XX | XX | Original Interest Rate | 2 | 6.875 | Verified |
| 2325 | XX | XX | XX | Original P&I | 1437.83 | 1786.85 | Verified |
| 2325 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 2325 | XX | XX | XX | Representative FICO | 487 |  | Verified |
| 2325 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 2325 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2325 | XX | XX | XX | Interest Only Period Expiration Date | 2008-02-01 |  | Verified |
| 2325 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2325 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 44.57301 |  | Verified |
| 1993 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2271 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2271 | XX | XX | XX | Original Interest Rate | 3.625 | 8.375 | Verified |
| 2271 | XX | XX | XX | Original P&I | 1385.89 | 2275.88 | Verified |
| 2271 | XX | XX | XX | Representative FICO | 622 | 618 | Verified |
| 2271 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2271 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2271 | XX | XX | XX | Interest Only Period Expiration Date | 2010-06-01 |  | Verified |
| 2138 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2138 | XX | XX | XX | Original Interest Rate | 4 | 7.725 | Verified |
| 2138 | XX | XX | XX | Original P&I | 1772.20 | 2608.61 | Verified |
| 2138 | XX | XX | XX | Interest Only Period Expiration Date | 2008-02-01 |  | Verified |
| 2138 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 62.75283 | 57.567 | Verified |
| 2152 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2152 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2152 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2152 | XX | XX | XX | Original Interest Rate | 3.875 | 8.215 | Verified |
| 2152 | XX | XX | XX | Original P&I | 1361.31 | 1949.90 | Verified |
| 2152 | XX | XX | XX | Interest Only Period Expiration Date | 2008-01-01 |  | Verified |
| 2152 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 76.92068 | 72.58 | Verified |
| 2165 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2165 | XX | XX | XX | Original Interest Rate | 4.25 | 7.725 | Verified |
| 2165 | XX | XX | XX | Original P&I | 926.19 | 1565.17 | Verified |
| 2165 | XX | XX | XX | Interest Only Period Expiration Date | 2008-01-01 |  | Verified |
| 2888 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2888 | XX | XX | XX | Interest Only Period Expiration Date | 2017-11-01 | 2017-03-01 | Verified |
| 2426 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2426 | XX | XX | XX | Original P&I | 741.84 | 619.43 | Verified |
| 2426 | XX | XX | XX | Representative FICO | 692 | 679 | Verified |
| 2426 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2426 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2426 | XX | XX | XX | Interest Only Period Expiration Date | 2007-10-01 |  | Verified |
| 2426 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 51.56892 | 45.623 | Verified |
| 2157 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2157 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2157 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2157 | XX | XX | XX | Original P&I | 1855.96 | 1372.50 | Verified |
| 2157 | XX | XX | XX | Representative FICO | 623 | 631 | Verified |
| 2157 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 2157 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2157 | XX | XX | XX | Interest Only Period Expiration Date | 2007-06-01 | 2017-05-01 | Verified |
| 2894 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2894 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2894 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2894 | XX | XX | XX | Original Interest Rate | 3.875 | 6 | Verified |
| 2894 | XX | XX | XX | Original P&I | 1027.55 | 1319.01 | Verified |
| 2894 | XX | XX | XX | Interest Only Period Expiration Date | 2007-03-01 |  | Verified |
| 2270 | XX | XX | XX | Original Interest Rate | 5.285 | 7.91 | Verified |
| 2270 | XX | XX | XX | Original P&I | 694.85 | 567.45 | Verified |
| 2270 | XX | XX | XX | Representative FICO | 626 |  | Verified |
| 2270 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2270 | XX | XX | XX | Interest Only Period Expiration Date | 2007-05-01 |  | Verified |
| 2270 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2270 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 41.0473 |  | Verified |
| 2497 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2497 | XX | XX | XX | Original Interest Rate | 4.625 | 6.125 | Verified |
| 2497 | XX | XX | XX | Original P&I | 1759.45 | 1528.14 | Verified |
| 2497 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2497 | XX | XX | XX | Interest Only Period Expiration Date | 2007-03-01 |  | Verified |
| 2497 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 29.87202 | 32.96 | Verified |
| 2778 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2778 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 2778 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2778 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 2778 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2778 | XX | XX | XX | Original Interest Rate | 4 | 6.25 | Verified |
| 2778 | XX | XX | XX | Original P&I | 733.92 | 866.93 | Verified |
| 2372 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 2372 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 2372 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 2372 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2372 | XX | XX | XX | Original P&I | 1523.61 | 1167.36 | Verified |
| 2758 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2758 | XX | XX | XX | Original P&I | 787.41 | 527.09 | Verified |
| 2758 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2681 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2681 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2681 | XX | XX | XX | Original Interest Rate | 5.25 | 8.45 | Verified |
| 2681 | XX | XX | XX | Original P&I | 658.62 | 642.92 | Verified |
| 2681 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2681 | XX | XX | XX | Interest Only Period Expiration Date | 2009-11-01 |  | Verified |
| 2681 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.28289 | 32.461 | Verified |
| 2163 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2163 | XX | XX | XX | Original Interest Rate | 4.5 | 6.965 | Verified |
| 2163 | XX | XX | XX | Original P&I | 928.67 | 1259.62 | Verified |
| 2163 | XX | XX | XX | Interest Only Period Expiration Date | 2006-05-01 |  | Verified |
| 2163 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2479 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2479 | XX | XX | XX | Original Interest Rate | 2 | 7 | Verified |
| 2479 | XX | XX | XX | Original P&I | 471.14 | 385.88 | Verified |
| 2479 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 2479 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2479 | XX | XX | XX | Interest Only Period Expiration Date | 2006-01-01 |  | Verified |
| 2160 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2160 | XX | XX | XX | Original Interest Rate | 4.625 | 6.85 | Verified |
| 2160 | XX | XX | XX | Original P&I | 1363.54 | 2050.97 | Verified |
| 2160 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 2160 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 2160 | XX | XX | XX | Margin |  | 3.1 | Verified |
| 2160 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 2160 | XX | XX | XX | Interest Rate Life Min |  | 3.1 | Verified |
| 2160 | XX | XX | XX | Interest Rate Life Max |  | 11.85 | Verified |
| 2160 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 2160 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 2160 | XX | XX | XX | Interest Rate Initial Maximum |  | 8.85 | Verified |
| 2160 | XX | XX | XX | Interest Rate Initial Minimum |  | 4.85 | Verified |
| 2160 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 2160 | XX | XX | XX | Interest Only Period Expiration Date | 2005-10-01 |  | Verified |
| 2160 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 60.77197 | 57.49 | Verified |
| 2407 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2407 | XX | XX | XX | Original Interest Rate | 4.875 | 6.125 | Verified |
| 2407 | XX | XX | XX | Original P&I | 364.28 | 536.32 | Verified |
| 2407 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2407 | XX | XX | XX | Interest Only Period Expiration Date | 2005-08-01 |  | Verified |
| 2236 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2236 | XX | XX | XX | Original Interest Rate | 5.5 | 6.5 | Verified |
| 2236 | XX | XX | XX | Original P&I | 381.60 | 456.36 | Verified |
| 2236 | XX | XX | XX | Representative FICO | 668 |  | Verified |
| 2236 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2236 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2236 | XX | XX | XX | Interest Only Period Expiration Date | 2004-01-01 |  | Verified |
| 2245 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2245 | XX | XX | XX | Original P&I | 923.59 | 810.10 | Verified |
| 2245 | XX | XX | XX | Representative FICO | 594 |  | Verified |
| 2245 | XX | XX | XX | Occupancy | Primary | UTD | Verified |
| 2245 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2245 | XX | XX | XX | Interest Only Period Expiration Date | 2003-09-01 |  | Verified |
| 2245 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2245 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 52.8006 |  | Verified |
| 1926 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1926 | XX | XX | XX | Original P&I | 988.99 | 459.51 | Verified |
| 1926 | XX | XX | XX | Representative FICO | 609 | 524 | Verified |
| 1926 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2678 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2678 | XX | XX | XX | Original P&I | 427.46 | 352.17 | Verified |
| 2678 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 2678 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2107 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2107 | XX | XX | XX | Original Interest Rate | 4 | 6.375 | Verified |
| 2107 | XX | XX | XX | Interest Only Period Expiration Date | 2003-08-01 |  | Verified |
| 2107 | XX | XX | XX | Original PITI | 935.49 | 903.99 | Verified |
| 2633 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2633 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2633 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2633 | XX | XX | XX | Original Interest Rate | 3 | 6 | Verified |
| 2633 | XX | XX | XX | Interest Only Period Expiration Date | 2003-08-01 |  | Verified |
| 2633 | XX | XX | XX | Original PITI | 614.74 | 519.21 | Verified |
| 2367 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2367 | XX | XX | XX | Original Interest Rate | 3.625 | 6.5 | Verified |
| 2367 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2367 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 23.35958 | 25.89 | Verified |
| 2367 | XX | XX | XX | Original PITI | 638.78 | 558.75 | Verified |
| 2584 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2584 | XX | XX | XX | Original Interest Rate | 2 | 5.875 | Verified |
| 2584 | XX | XX | XX | Interest Only Period Expiration Date | 2003-08-01 |  | Verified |
| 2584 | XX | XX | XX | Original PITI | 815.58 | 943.50 | Verified |
| 2243 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2243 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2243 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2243 | XX | XX | XX | Original Interest Rate | 3.875 | 5.875 | Verified |
| 2243 | XX | XX | XX | Representative FICO | 630 | 647 | Verified |
| 2243 | XX | XX | XX | Interest Only Period Expiration Date | 2003-07-01 |  | Verified |
| 2243 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2243 | XX | XX | XX | Original PITI | 1517.90 | 1095.53 | Verified |
| 2415 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2415 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2415 | XX | XX | XX | Representative FICO | 611 |  | Verified |
| 2415 | XX | XX | XX | Interest Only Period Expiration Date | 2003-07-01 |  | Verified |
| 2415 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 29.96368 | 39.95 | Verified |
| 2415 | XX | XX | XX | Original PITI | 679.92 | 494.91 | Verified |
| 2265 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2265 | XX | XX | XX | Original Interest Rate | 4.125 | 5.875 | Verified |
| 2265 | XX | XX | XX | Interest Only Period Expiration Date | 2003-07-01 |  | Verified |
| 2265 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 57.78995 | 66.213 | Verified |
| 2265 | XX | XX | XX | Original PITI | 699.56 | 851.82 | Verified |
| 2196 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2196 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2196 | XX | XX | XX | Interest Only Period Expiration Date | 2003-07-01 |  | Verified |
| 2196 | XX | XX | XX | Original PITI | 723.37 | 667.77 | Verified |
| 2368 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2368 | XX | XX | XX | Original Interest Rate | 3.5 | 6.5 | Verified |
| 2368 | XX | XX | XX | Representative FICO | 644 |  | Verified |
| 2368 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2368 | XX | XX | XX | Interest Only Period Expiration Date | 2003-07-01 |  | Verified |
| 2368 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2368 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 40.51684 |  | Verified |
| 2368 | XX | XX | XX | Original PITI | 688.86 | 790.09 | Verified |
| 2197 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2197 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2197 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 2197 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2197 | XX | XX | XX | Interest Only Period Expiration Date | 2003-07-01 |  | Verified |
| 2197 | XX | XX | XX | Original PITI | 828.41 | 600.32 | Verified |
| 2128 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2128 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2128 | XX | XX | XX | Original PITI | 1660.58 | 1137.72 | Verified |
| 2595 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2595 | XX | XX | XX | Original Interest Rate | 4.25 | 6.125 | Verified |
| 2595 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 2595 | XX | XX | XX | Interest Only Period Expiration Date | 2003-06-01 |  | Verified |
| 2595 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 28.14922 | 32.27 | Verified |
| 2595 | XX | XX | XX | Original PITI | 1828.13 | 1262.92 | Verified |
| 2361 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2361 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2361 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2361 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2361 | XX | XX | XX | Representative FICO | 592 | 582 | Verified |
| 2361 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 2361 | XX | XX | XX | Interest Only Period Expiration Date | 2003-06-01 |  | Verified |
| 2361 | XX | XX | XX | Original PITI | 634.31 | 580.26 | Verified |
| 2369 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2369 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2369 | XX | XX | XX | Original PITI | 594.58 | 423.49 | Verified |
| 2411 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2411 | XX | XX | XX | Representative FICO | 641 |  | Verified |
| 2411 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 30.09027 | 32.58 | Verified |
| 2411 | XX | XX | XX | Original PITI | 517.23 | 429.01 | Verified |
| 2256 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2256 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2256 | XX | XX | XX | Original Interest Rate | 4.625 | 6.25 | Verified |
| 2256 | XX | XX | XX | Interest Only Period Expiration Date | 2003-05-01 |  | Verified |
| 2256 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.81842 | 46.29 | Verified |
| 2256 | XX | XX | XX | Original PITI | 928.79 | 935.27 | Verified |
| 2450 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2450 | XX | XX | XX | Original Interest Rate | 4.5 | 5.875 | Verified |
| 2450 | XX | XX | XX | Representative FICO | 661 | 631 | Verified |
| 2450 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 2450 | XX | XX | XX | Interest Only Period Expiration Date | 2003-05-01 |  | Verified |
| 2450 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 28.0224 | 34.25 | Verified |
| 2450 | XX | XX | XX | Original PITI | 1765.59 | 1538.00 | Verified |
| 2696 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2696 | XX | XX | XX | Original Interest Rate | 4.625 | 6.625 | Verified |
| 2696 | XX | XX | XX | Representative FICO | 541 | 524 | Verified |
| 2696 | XX | XX | XX | Interest Only Period Expiration Date | 2003-05-01 |  | Verified |
| 2696 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 54.96084 | 52.62 | Verified |
| 2696 | XX | XX | XX | Original PITI | 1292.02 | 842.33 | Verified |
| 2306 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2306 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2306 | XX | XX | XX | Interest Only Period Expiration Date | 2003-04-01 |  | Verified |
| 2306 | XX | XX | XX | Original PITI | 922.42 | 773.60 | Verified |
| 2703 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2703 | XX | XX | XX | Representative FICO | 583 | 567 | Verified |
| 2703 | XX | XX | XX | Original PITI | 546.31 | 396.99 | Verified |
| 2410 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2410 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2410 | XX | XX | XX | Interest Only Period Expiration Date | 2003-02-01 |  | Verified |
| 2410 | XX | XX | XX | Original PITI | 362.01 | 374.58 | Verified |
| 2413 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2413 | XX | XX | XX | Original Interest Rate | 3.625 | 6.25 | Verified |
| 2413 | XX | XX | XX | Interest Only Period Expiration Date | 2002-12-01 |  | Verified |
| 2413 | XX | XX | XX | Original PITI | 495.53 | 449.47 | Verified |
| 2067 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2067 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2067 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2067 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2067 | XX | XX | XX | Representative FICO | 662 | 648 | Verified |
| 2067 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2067 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2067 | XX | XX | XX | Original PITI | 675.88 | 500.53 | Verified |
| 2775 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2775 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2775 | XX | XX | XX | Original Interest Rate | 3.5 | 4.125 | Verified |
| 2775 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2775 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2775 | XX | XX | XX | Interest Only Period Expiration Date | 2012-12-01 |  | Verified |
| 2775 | XX | XX | XX | Original PITI | 928.59 | 826.76 | Verified |
| 1974 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1974 | XX | XX | XX | Original Interest Rate | 3.875 | 5.5 | Verified |
| 1974 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1974 | XX | XX | XX | Interest Only Period Expiration Date | 2009-07-01 |  | Verified |
| 1974 | XX | XX | XX | Original PITI | 563.26 | 675.67 | Verified |
| 2162 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2162 | XX | XX | XX | Original Interest Rate | 4.625 | 8.6 | Verified |
| 2162 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 2162 | XX | XX | XX | Margin |  | 4.225 | Verified |
| 2162 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 2162 | XX | XX | XX | Interest Rate Life Min |  | 4.225 | Verified |
| 2162 | XX | XX | XX | Interest Rate Life Max |  | 13.6 | Verified |
| 2162 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 2162 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 2162 | XX | XX | XX | Interest Rate Initial Maximum |  | 13.6 | Verified |
| 2162 | XX | XX | XX | Interest Rate Initial Minimum |  | 4.225 | Verified |
| 2162 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 2162 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 34.53767 | 129.77 | Verified |
| 2162 | XX | XX | XX | Original PITI | 1255.76 | 1777.07 | Verified |
| 2848 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2848 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2848 | XX | XX | XX | Original Interest Rate | 3.375 | 6.5 | Verified |
| 2848 | XX | XX | XX | Interest Only Period Expiration Date | 2008-02-01 |  | Verified |
| 2848 | XX | XX | XX | Original PITI | 1641.25 | 2139.41 | Verified |
| 2794 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2794 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2794 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2471 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2471 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2620 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2620 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2620 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2697 | XX | XX | XX | City | XX | XX | Verified |
| 2697 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2697 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2697 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2697 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 2697 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2697 | XX | XX | XX | PMI Coverage % |  | 30 | Verified |
| 2444 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2444 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2425 | XX | XX | XX | City | XX | XX | Verified |
| 2425 | XX | XX | XX | Zip | XX | XX | Verified |
| 2425 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2425 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2425 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2425 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2543 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2083 | XX | XX | XX | Street | XX | XX | Verified |
| 2083 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2083 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 2914 | XX | XX | XX | Original Term | 612 | 360 | Verified |
| 2261 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2261 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2261 | XX | XX | XX | Original Term | 608 | 480 | Verified |
| 2172 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2172 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2172 | XX | XX | XX | Original Term | 598 | 360 | Verified |
| 2241 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2262 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2262 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2401 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2401 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2401 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 2448 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2448 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2448 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2448 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2448 | XX | XX | XX | Original Term | 608 | 360 | Verified |
| 2448 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2448 | XX | XX | XX | PMI Coverage % | 35 |  | Verified |
| 1956 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1956 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1956 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1956 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1956 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 1956 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1956 | XX | XX | XX | First Interest Rate Change Date |  | 2013-09-01 | Verified |
| 1956 | XX | XX | XX | Next Interest Rate Change Date |  | 2022-09-01 | Verified |
| 1956 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1956 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1956 | XX | XX | XX | Interest Rate Life Max |  | 12.862 | Verified |
| 1956 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1956 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1956 | XX | XX | XX | Next Payment Change Date |  | 2022-10-01 | Verified |
| 1956 | XX | XX | XX | Interest Rate Initial Maximum |  | 12.862 | Verified |
| 1956 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.862 | Verified |
| 1956 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1956 | XX | XX | XX | Index Value |  | 5.4588 | Verified |
| 1956 | XX | XX | XX | Interest Only Period Expiration Date |  | 2016-09-01 | Verified |
| 1973 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1973 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1973 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1973 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 1973 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1973 | XX | XX | XX | PMI Coverage % | 20 |  | Verified |
| 2105 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1891 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1891 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2056 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2056 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2056 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2221 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2221 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2221 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2221 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 2221 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2220 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2220 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2220 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2220 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2564 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2564 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2564 | XX | XX | XX | Original Term | 480 | 240 | Verified |
| 1941 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1941 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 1941 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1941 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 1941 | XX | XX | XX | Margin |  | 2 | Verified |
| 1941 | XX | XX | XX | First Interest Rate Change Date |  | 2012-09-01 | Verified |
| 1941 | XX | XX | XX | Next Interest Rate Change Date |  | 2022-09-01 | Verified |
| 1941 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 1941 | XX | XX | XX | Interest Rate Life Min |  | 2 | Verified |
| 1941 | XX | XX | XX | Interest Rate Life Max |  | 10.75 | Verified |
| 1941 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 1941 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 1941 | XX | XX | XX | Next Payment Change Date |  | 2022-10-01 | Verified |
| 1941 | XX | XX | XX | Interest Rate Initial Maximum |  | 10.75 | Verified |
| 1941 | XX | XX | XX | Interest Rate Initial Minimum |  | 2 | Verified |
| 1941 | XX | XX | XX | Payment Change Frequency |  | 6 | Verified |
| 1941 | XX | XX | XX | Index Value |  | 3.85 | Verified |
| 1941 | XX | XX | XX | Interest Only Period Expiration Date |  | 2012-09-01 | Verified |
| 2357 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2357 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2357 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2357 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 2783 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2783 | XX | XX | XX | Original Term | 563 | 360 | Verified |
| 1942 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1942 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1971 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1971 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1991 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1991 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1991 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 1991 | XX | XX | XX | Margin |  | 3.5 | Verified |
| 1991 | XX | XX | XX | First Interest Rate Change Date |  | 2009-04-01 | Verified |
| 1991 | XX | XX | XX | Next Interest Rate Change Date |  | 2023-04-01 | Verified |
| 1991 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1991 | XX | XX | XX | Interest Rate Life Min |  | 3.5 | Verified |
| 1991 | XX | XX | XX | Interest Rate Life Max |  | 11.955 | Verified |
| 1991 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1991 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1991 | XX | XX | XX | Next Payment Change Date |  | 2023-05-01 | Verified |
| 1991 | XX | XX | XX | Interest Rate Initial Maximum |  | 8.955 | Verified |
| 1991 | XX | XX | XX | Interest Rate Initial Minimum |  | 4.955 | Verified |
| 1991 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1991 | XX | XX | XX | Index Value |  | 1.16 | Verified |
| 1968 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1968 | XX | XX | XX | Next Interest Rate Change Date | 2021-03-01 | 2023-03-01 | Verified |
| 1968 | XX | XX | XX | Interest Rate Life Min | 0 | 3.38 | Verified |
| 1968 | XX | XX | XX | Index Value | 24 | 1.23 | Verified |
| 1982 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1982 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1982 | XX | XX | XX | Original Term | 613 | 360 | Verified |
| 1982 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1982 | XX | XX | XX | First Interest Rate Change Date |  | 2011-03-01 | Verified |
| 1982 | XX | XX | XX | Next Interest Rate Change Date |  | 2023-03-01 | Verified |
| 1982 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1982 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1982 | XX | XX | XX | Interest Rate Life Max |  | 9.375 | Verified |
| 1982 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1982 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1982 | XX | XX | XX | Next Payment Change Date |  | 2023-04-01 | Verified |
| 1982 | XX | XX | XX | Interest Rate Initial Maximum |  | 9.375 | Verified |
| 1982 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1982 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1982 | XX | XX | XX | Index Value |  | 1.37 | Verified |
| 1967 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1967 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1967 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2466 | XX | XX | XX | Street | XX | XX | Verified |
| 2466 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2466 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 2466 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 2466 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2466 | XX | XX | XX | Original Term | 611 | 360 | Verified |
| 2509 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2509 | XX | XX | XX | Original Term | 612 | 360 | Verified |
| 2206 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1988 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1978 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1978 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 1978 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1936 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1936 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1936 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1936 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 1936 | XX | XX | XX | Margin |  | 2.75 | Verified |
| 1936 | XX | XX | XX | First Interest Rate Change Date |  | 2010-04-01 | Verified |
| 1936 | XX | XX | XX | Next Interest Rate Change Date |  | 2023-04-01 | Verified |
| 1936 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1936 | XX | XX | XX | Interest Rate Life Min |  | 2.75 | Verified |
| 1936 | XX | XX | XX | Interest Rate Life Max |  | 10.2 | Verified |
| 1936 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1936 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1936 | XX | XX | XX | Next Payment Change Date |  | 2023-05-01 | Verified |
| 1936 | XX | XX | XX | Interest Rate Initial Maximum |  | 10.2 | Verified |
| 1936 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.75 | Verified |
| 1936 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1936 | XX | XX | XX | Index Value |  | 1.27 | Verified |
| 1934 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1934 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1934 | XX | XX | XX | Margin | 2.75 | 3.375 | Verified |
| 1934 | XX | XX | XX | Next Interest Rate Change Date | 2020-12-01 | 2022-12-01 | Verified |
| 1934 | XX | XX | XX | Interest Rate Life Min | 0 | 3.375 | Verified |
| 1934 | XX | XX | XX | Next Payment Change Date | 2021-01-01 | 2023-01-01 | Verified |
| 1934 | XX | XX | XX | Index Value | 24 | 1.99 | Verified |
| 2209 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2800 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2800 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2800 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2800 | XX | XX | XX | PMI Coverage % |  | 30 | Verified |
| 2104 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2104 | XX | XX | XX | PMI Company | XX |  | Verified |
| 2104 | XX | XX | XX | PMI Coverage % | 30 |  | Verified |
| 2545 | XX | XX | XX | Representative FICO | 736 |  | Verified |
| 2545 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2545 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2545 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2545 | XX | XX | XX | PMI Coverage % | 52 |  | Verified |
| 2545 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2384 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2384 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2384 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2384 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2514 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 2514 | XX | XX | XX | Representative FICO | 641 | 648 | Verified |
| 2514 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2514 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2514 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2065 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2065 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2065 | XX | XX | XX | PMI Coverage % | 46 |  | Verified |
| 2065 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2374 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2374 | XX | XX | XX | Representative FICO | 660 | 637 | Verified |
| 2374 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2374 | XX | XX | XX | Original PITI | 615.78 | 621.37 | Verified |
| 2547 | XX | XX | XX | Representative FICO | 672 | 693 | Verified |
| 2470 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2470 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2470 | XX | XX | XX | Original CLTV |  | 84.57 | Verified |
| 2470 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 14.87948 | 31.535 | Verified |
| 2504 | XX | XX | XX | City | XX | XX | Verified |
| 2504 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2504 | XX | XX | XX | Original CLTV | 159 | 138.64 | Verified |
| 2781 | XX | XX | XX | Street | XX | XX | Verified |
| 2781 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2781 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2781 | XX | XX | XX | Representative FICO | 586 | 545 | Verified |
| 2060 | XX | XX | XX | Zip | XX | XX | Verified |
| 2060 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2060 | XX | XX | XX | Representative FICO | 630 | 582 | Verified |
| 2544 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 46.08031 | 59.27 | Verified |
| 2400 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2370 | XX | XX | XX | Zip | XX | XX | Verified |
| 2370 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2370 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1917 | XX | XX | XX | Zip | XX | XX | Verified |
| 1917 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2570 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 2570 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 2570 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 2570 | XX | XX | XX | Representative FICO | 722 |  | Verified |
| 2570 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.39898 |  | Verified |
| 2524 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2524 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2524 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 2524 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 47.86122 | 56 | Verified |
| 2625 | XX | XX | XX | Representative FICO | 655 |  | Verified |
| 2625 | XX | XX | XX | Original CLTV | 79 | 74.07 | Verified |
| 2625 | XX | XX | XX | Original LTV | 79 | 74.07 | Verified |
| 2625 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 47.76461 |  | Verified |
| 2477 | XX | XX | XX | Zip | XX | XX | Verified |
| 2589 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2589 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 38.497 | Verified |
| 2482 | XX | XX | XX | Zip | XX | XX | Verified |
| 2482 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2482 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 25.456 | 27.86 | Verified |
| 2365 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2365 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2365 | XX | XX | XX | Representative FICO | 716 |  | Verified |
| 2365 | XX | XX | XX | Original CLTV | 77 |  | Verified |
| 2365 | XX | XX | XX | Original LTV | 77 |  | Verified |
| 2365 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 29.04211 |  | Verified |
| 2893 | XX | XX | XX | City | XX | XX | Verified |
| 2893 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2893 | XX | XX | XX | Representative FICO | 619 | 591 | Verified |
| 2638 | XX | XX | XX | Zip | XX | XX | Verified |
| 2638 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2680 | XX | XX | XX | Representative FICO | 603 | 672 | Verified |
| 2680 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 23.00445 | 40 | Verified |
| 2121 | XX | XX | XX | Representative FICO | 694 | 634 | Verified |
| 2121 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 64.66 | Verified |
| 2685 | XX | XX | XX | City | XX | XX | Verified |
| 2685 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2685 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 2685 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2685 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 2685 | XX | XX | XX | Representative FICO | 682 |  | Verified |
| 2685 | XX | XX | XX | Original CLTV | 78 |  | Verified |
| 2685 | XX | XX | XX | Original LTV | 78 |  | Verified |
| 2685 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.74359 |  | Verified |
| 2571 | XX | XX | XX | City | XX | XX | Verified |
| 2571 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2571 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2025 | XX | XX | XX | Original CLTV | 85 | 80 | Verified |
| 2025 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 41.95 | Verified |
| 2640 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2640 | XX | XX | XX | Original CLTV | 61 | 58.24 | Verified |
| 2640 | XX | XX | XX | Original LTV | 61 | 58.24 | Verified |
| 2640 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 39.99538 | 36.252 | Verified |
| 2867 | XX | XX | XX | Zip | XX | XX | Verified |
| 2867 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 39.85401 | 36.96 | Verified |
| 2523 | XX | XX | XX | Zip | XX | XX | Verified |
| 2523 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2523 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 2523 | XX | XX | XX | Representative FICO | 651 |  | Verified |
| 2523 | XX | XX | XX | Original CLTV | 74 |  | Verified |
| 2523 | XX | XX | XX | Original LTV | 74 |  | Verified |
| 2523 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.69818 |  | Verified |
| 2464 | XX | XX | XX | Zip | XX | XX | Verified |
| 2020 | XX | XX | XX | Zip | XX | XX | Verified |
| 2020 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 45.12552 | 41.88 | Verified |
| 2679 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2679 | XX | XX | XX | Representative FICO | 708 |  | Verified |
| 2679 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 39.7967 |  | Verified |
| 2045 | XX | XX | XX | Representative FICO | 659 | 645 | Verified |
| 2045 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 57.41056 | 54.496 | Verified |
| 2373 | XX | XX | XX | Zip | XX | XX | Verified |
| 2373 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2798 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2798 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 190.17 | Verified |
| 2259 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 17.33168 | 22.22 | Verified |
| 2278 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2278 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2278 | XX | XX | XX | Representative FICO | 538 | 534 | Verified |
| 2635 | XX | XX | XX | Zip | XX | XX | Verified |
| 2635 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2637 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2637 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 61.70293 | 58.43 | Verified |
| 2088 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2182 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2182 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 33.8 | Verified |
| 2605 | XX | XX | XX | Street | XX | XX | Verified |
| 2605 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2112 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2112 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2112 | XX | XX | XX | Representative FICO | 592 | 565 | Verified |
| 2112 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 57.38123 | 31.32 | Verified |
| 2652 | XX | XX | XX | Street | XX | XX | Verified |
| 2652 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2652 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2652 | XX | XX | XX | Representative FICO | 668 |  | Verified |
| 2652 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.99244 |  | Verified |
| 2799 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 69.9559 | 50.86 | Verified |
| 2014 | XX | XX | XX | Zip | XX | XX | Verified |
| 2014 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 34.44931 | 37.69 | Verified |
| 2551 | XX | XX | XX | City | XX | XX | Verified |
| 2551 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2551 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 2551 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2551 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 2823 | XX | XX | XX | Zip | XX | XX | Verified |
| 2823 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2849 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2849 | XX | XX | XX | Original CLTV | 68 | 66.59 | Verified |
| 2849 | XX | XX | XX | Original LTV | 68 | 66.59 | Verified |
| 2585 | XX | XX | XX | Street | XX | XX | Verified |
| 2885 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2885 | XX | XX | XX | Representative FICO | 640 | 641 | Verified |
| 2395 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2395 | XX | XX | XX | Representative FICO | 652 | 639 | Verified |
| 2395 | XX | XX | XX | Original CLTV |  | 86.82 | Verified |
| 2395 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 40.41 | Verified |
| 2517 | XX | XX | XX | Street | XX | XX | Verified |
| 2517 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2517 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 34.50664 | 41.65 | Verified |
| 2042 | XX | XX | XX | Zip | XX | XX | Verified |
| 2042 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2042 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2042 | XX | XX | XX | Representative FICO | 712 | 695 | Verified |
| 2042 | XX | XX | XX | Original CLTV |  | 90 | Verified |
| 2042 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 47.84 | Verified |
| 2643 | XX | XX | XX | City | XX | XX | Verified |
| 2643 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2643 | XX | XX | XX | Representative FICO | 649 |  | Verified |
| 2643 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 2643 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 2643 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 21.52 |  | Verified |
| 2440 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2440 | XX | XX | XX | Representative FICO | 602 |  | Verified |
| 2440 | XX | XX | XX | Original CLTV | 95 |  | Verified |
| 2440 | XX | XX | XX | Original LTV | 87 |  | Verified |
| 2440 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 25.8806 |  | Verified |
| 2722 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1909 | XX | XX | XX | Zip | XX | XX | Verified |
| 1909 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1909 | XX | XX | XX | Original CLTV | 41 | 50.83 | Verified |
| 2439 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2439 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2439 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 46.22 | Verified |
| 2238 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2238 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2238 | XX | XX | XX | Representative FICO | 611 |  | Verified |
| 2238 | XX | XX | XX | Original CLTV | 100 |  | Verified |
| 2238 | XX | XX | XX | Original LTV | 100 |  | Verified |
| 2238 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 52.57223 |  | Verified |
| 2884 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2884 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 2884 | XX | XX | XX | Representative FICO | 700 |  | Verified |
| 2884 | XX | XX | XX | Original CLTV | 71 |  | Verified |
| 2884 | XX | XX | XX | Original LTV | 71 |  | Verified |
| 2884 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 25.36489 |  | Verified |
| 2618 | XX | XX | XX | Zip | XX | XX | Verified |
| 2616 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2063 | XX | XX | XX | Original CLTV | 90 | 80 | Verified |
| 2063 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.23328 | 31 | Verified |
| 2418 | XX | XX | XX | Street | XX | XX | Verified |
| 2596 | XX | XX | XX | Street | XX | XX | Verified |
| 2596 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1957 | XX | XX | XX | City | XX | XX | Verified |
| 2467 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2467 | XX | XX | XX | Representative FICO | 625 | 631 | Verified |
| 2511 | XX | XX | XX | Representative FICO | 651 |  | Verified |
| 2511 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 31.53333 | 42.505 | Verified |
| 2382 | XX | XX | XX | Zip | XX | XX | Verified |
| 2382 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2382 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2382 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 2902 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2902 | XX | XX | XX | Representative FICO | 736 |  | Verified |
| 2902 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 2902 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 2902 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 27.15777 |  | Verified |
| 2210 | XX | XX | XX | Zip | XX | XX | Verified |
| 2210 | XX | XX | XX | Representative FICO | 611 |  | Verified |
| 2210 | XX | XX | XX | Original CLTV | 100 |  | Verified |
| 2210 | XX | XX | XX | Original LTV | 100 |  | Verified |
| 2210 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.40439 |  | Verified |
| 1981 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1955 | XX | XX | XX | City | XX | XX | Verified |
| 2525 | XX | XX | XX | Street | XX | XX | Verified |
| 2483 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2483 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 47.25909 | 50.81 | Verified |
| 2639 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2113 | XX | XX | XX | Representative FICO | 711 |  | Verified |
| 1952 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 1952 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 1952 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 46.72328 | 41.84 | Verified |
| 2436 | XX | XX | XX | City | XX | XX | Verified |
| 2761 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2761 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2761 | XX | XX | XX | Representative FICO | 548 | 543 | Verified |
| 2723 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 2723 | XX | XX | XX | Representative FICO | 653 |  | Verified |
| 2723 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 40.10537 |  | Verified |
| 2515 | XX | XX | XX | Zip | XX | XX | Verified |
| 2515 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2459 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2459 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 2459 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 2459 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 2459 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 62.41135 | 64.95 | Verified |
| 2251 | XX | XX | XX | Street | XX | XX | Verified |
| 2726 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2726 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 46.50962 | 58.8 | Verified |
| 2787 | XX | XX | XX | Representative FICO | 568 | 553 | Verified |
| 2787 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 42.66 | Verified |
| 2762 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2762 | XX | XX | XX | Representative FICO | 577 |  | Verified |
| 2762 | XX | XX | XX | Original CLTV | 85 |  | Verified |
| 2762 | XX | XX | XX | Original LTV | 85 |  | Verified |
| 2762 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 22.98668 |  | Verified |
| 2507 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2198 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2198 | XX | XX | XX | Original CLTV | 75 | 90 | Verified |
| 2198 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 56.6276 | 33.78 | Verified |
| 2632 | XX | XX | XX | Representative FICO | 699 |  | Verified |
| 2632 | XX | XX | XX | Original CLTV | 90 | 71.67 | Verified |
| 2632 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 24.93036 |  | Verified |
| 2073 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2073 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2073 | XX | XX | XX | Representative FICO | 678 | 649 | Verified |
| 1914 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1914 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2750 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2750 | XX | XX | XX | Representative FICO | 724 |  | Verified |
| 1970 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1970 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2876 | XX | XX | XX | Zip | XX | XX | Verified |
| 2876 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2876 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2876 | XX | XX | XX | Original CLTV | 80 | 95 | Verified |
| 2048 | XX | XX | XX | City | XX | XX | Verified |
| 2048 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2048 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2048 | XX | XX | XX | Representative FICO | 644 | 653 | Verified |
| 2048 | XX | XX | XX | Original CLTV | 90 | 79.99 | Verified |
| 2048 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.21241 | 32.287 | Verified |
| 2641 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2641 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 52.88 | 48.93 | Verified |
| 2043 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2562 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2562 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 2562 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2562 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 2285 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2204 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2204 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2542 | XX | XX | XX | Representative FICO | 657 | 643 | Verified |
| 2844 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 43.63 | Verified |
| 2432 | XX | XX | XX | Representative FICO | 659 | 628 | Verified |
| 2311 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2364 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2364 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 2364 | XX | XX | XX | Representative FICO | 723 |  | Verified |
| 2364 | XX | XX | XX | Original CLTV | 79 |  | Verified |
| 2364 | XX | XX | XX | Original LTV | 79 |  | Verified |
| 2364 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 31.51886 |  | Verified |
| 2398 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2398 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2398 | XX | XX | XX | Representative FICO | 616 | 573 | Verified |
| 2398 | XX | XX | XX | Original CLTV | 80 | 76.36 | Verified |
| 2398 | XX | XX | XX | Original LTV | 80 | 76.36 | Verified |
| 2526 | XX | XX | XX | Street | XX | XX | Verified |
| 2526 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2526 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2526 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2526 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.62797 | 53.21 | Verified |
| 2659 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2660 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2660 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2582 | XX | XX | XX | Street | XX | XX | Verified |
| 1984 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1984 | XX | XX | XX | Representative FICO | 663 |  | Verified |
| 1984 | XX | XX | XX | Original CLTV | 79 |  | Verified |
| 1984 | XX | XX | XX | Original LTV | 79 |  | Verified |
| 1984 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.8 |  | Verified |
| 2910 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2910 | XX | XX | XX | Representative FICO |  | 517 | Verified |
| 2910 | XX | XX | XX | Original CLTV |  | 77.44 | Verified |
| 1920 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1920 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 1920 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1920 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1920 | XX | XX | XX | Representative FICO | 764 |  | Verified |
| 1920 | XX | XX | XX | Original LTV | 69 |  | Verified |
| 1920 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 32.29308 |  | Verified |
| 2116 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2116 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2116 | XX | XX | XX | Representative FICO | 622 |  | Verified |
| 2116 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 43.40921 |  | Verified |
| 2120 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2120 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2120 | XX | XX | XX | Representative FICO | 672 |  | Verified |
| 2120 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 53.81816 |  | Verified |
| 2283 | XX | XX | XX | Street | XX | XX | Verified |
| 2283 | XX | XX | XX | Representative FICO | 624 |  | Verified |
| 2283 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 47.42803 |  | Verified |
| 1938 | XX | XX | XX | City | XX | XX | Verified |
| 1938 | XX | XX | XX | Zip | XX | XX | Verified |
| 1938 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2532 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2532 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2532 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 2532 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 2532 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 2532 | XX | XX | XX | Representative FICO | 619 |  | Verified |
| 2532 | XX | XX | XX | Original CLTV |  | 75 | Verified |
| 2532 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 39.24684 | 26.2 | Verified |
| 2752 | XX | XX | XX | Street | XX | XX | Verified |
| 2752 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2752 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2752 | XX | XX | XX | Original CLTV |  | 90 | Verified |
| 2897 | XX | XX | XX | Street | XX | XX | Verified |
| 2897 | XX | XX | XX | City | XX | XX | Verified |
| 2897 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 2897 | XX | XX | XX | Representative FICO | 670 | 653 | Verified |
| 2599 | XX | XX | XX | Street | XX | XX | Verified |
| 2599 | XX | XX | XX | Representative FICO | 757 |  | Verified |
| 2599 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 75.5462 |  | Verified |
| 2201 | XX | XX | XX | Zip | XX | XX | Verified |
| 2201 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2351 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2351 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 27.09 | Verified |
| 2534 | XX | XX | XX | City | XX | XX | Verified |
| 2534 | XX | XX | XX | Zip | XX | XX | Verified |
| 2402 | XX | XX | XX | Zip | XX | XX | Verified |
| 2402 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2402 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 2402 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2402 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 2402 | XX | XX | XX | Original CLTV | 84 | 62.28 | Verified |
| 2402 | XX | XX | XX | Original LTV | 64 | 62.28 | Verified |
| 2630 | XX | XX | XX | Street | XX | XX | Verified |
| 2630 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 47.33 | Verified |
| 2565 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2565 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2565 | XX | XX | XX | Representative FICO | 634 | 603 | Verified |
| 2765 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2765 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 32.47378 | 36.53 | Verified |
| 2490 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2490 | XX | XX | XX | Representative FICO | 631 |  | Verified |
| 2658 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1969 | XX | XX | XX | City | XX | XX | Verified |
| 1969 | XX | XX | XX | Zip | XX | XX | Verified |
| 1969 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2147 | XX | XX | XX | City | XX | XX | Verified |
| 2147 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2147 | XX | XX | XX | Representative FICO | 614 |  | Verified |
| 2147 | XX | XX | XX | Original CLTV | 78 |  | Verified |
| 2147 | XX | XX | XX | Original LTV | 78 |  | Verified |
| 2147 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.79119 |  | Verified |
| 2417 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2677 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2677 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 2677 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2677 | XX | XX | XX | Coborrower SSN | XX | XX | Verified |
| 2677 | XX | XX | XX | Representative FICO | 644 | 606 | Verified |
| 2717 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2717 | XX | XX | XX | Borrower SSN | XX | XX | Verified |
| 2717 | XX | XX | XX | Representative FICO | 584 |  | Verified |
| 2281 | XX | XX | XX | Street | XX | XX | Verified |
| 2281 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2281 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 82.619 | Verified |
| 2191 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2191 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 2191 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 2191 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 2870 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2870 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2870 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 2870 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 2870 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 2870 | XX | XX | XX | Representative FICO | 699 | 662 | Verified |
| 2870 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 63.47773 | 47.15 | Verified |
| 2803 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2803 | XX | XX | XX | Borrower SSN | XX |  | Verified |
| 2803 | XX | XX | XX | Representative FICO | 714 |  | Verified |
| 2803 | XX | XX | XX | Original CLTV | 100 | 80 | Verified |
| 2803 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 17.23838 |  | Verified |
| 2219 | XX | XX | XX | Street | XX | XX | Verified |
| 2219 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2667 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2454 | XX | XX | XX | City | XX | XX | Verified |
| 2454 | XX | XX | XX | Representative FICO | 720 |  | Verified |
| 2454 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 2454 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 2454 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 23.43333 |  | Verified |
| 2527 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2527 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2527 | XX | XX | XX | Original Interest Rate | 5 | 6.125 | Verified |
| 2527 | XX | XX | XX | Original P&I | 1253.50 | 1033.55 | Verified |
| 2527 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 2527 | XX | XX | XX | Interest Only Period Expiration Date | 2011-08-01 |  | Verified |
| 2527 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 53.82725 | 56.496 | Verified |
| 2314 | XX | XX | XX | Street | XX | XX | Verified |
| 2314 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2314 | XX | XX | XX | Original Interest Rate | 4.625 | 6.75 | Verified |
| 2314 | XX | XX | XX | Original P&I | 644.09 | 716.70 | Verified |
| 2314 | XX | XX | XX | Representative FICO | 585 |  | Verified |
| 2314 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2314 | XX | XX | XX | Interest Only Period Expiration Date | 2010-01-01 |  | Verified |
| 2314 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2314 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.90369 |  | Verified |
| 2878 | XX | XX | XX | Zip | XX | XX | Verified |
| 2878 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2878 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2878 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2878 | XX | XX | XX | Original Interest Rate | 4 | 5.375 | Verified |
| 2878 | XX | XX | XX | Original P&I | 1504.01 | 2010.30 | Verified |
| 2878 | XX | XX | XX | Representative FICO | 654 | 633 | Verified |
| 2878 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2878 | XX | XX | XX | Interest Only Period Expiration Date | 2005-08-01 |  | Verified |
| 2331 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2331 | XX | XX | XX | Original Interest Rate | 4.25 | 6.875 | Verified |
| 2331 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2331 | XX | XX | XX | Interest Only Period Expiration Date | 2002-12-01 |  | Verified |
| 2331 | XX | XX | XX | Original PITI | 1408.13 | 689.99 | Verified |
| 2274 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2274 | XX | XX | XX | Representative FICO | 620 |  | Verified |
| 2274 | XX | XX | XX | Property Type | Single Family | Manufactured Housing | Verified |
| 2274 | XX | XX | XX | Purpose | Purchase | UTD | Verified |
| 2274 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2274 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2274 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2274 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 21.70323 |  | Verified |
| 2274 | XX | XX | XX | Original PITI | 592.28 | 461.28 | Verified |
| 2447 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2447 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2447 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2447 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2447 | XX | XX | XX | Original Interest Rate | 4.625 | 7.875 | Verified |
| 2447 | XX | XX | XX | Original PITI | 887.63 | 764.95 | Verified |
| 2802 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2802 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2802 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2802 | XX | XX | XX | Original Interest Rate | 2.375 | 7.625 | Verified |
| 2802 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 2802 | XX | XX | XX | Representative FICO | 612 | 614 | Verified |
| 2802 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2802 | XX | XX | XX | Interest Only Period Expiration Date | 1999-12-01 |  | Verified |
| 2802 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 47.46914 | 44.82 | Verified |
| 2802 | XX | XX | XX | Original PITI | 545.63 | 621.44 | Verified |
| 2194 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2194 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2194 | XX | XX | XX | Representative FICO | 603 | 607 | Verified |
| 2194 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2194 | XX | XX | XX | Original PITI | 975.16 | 838.68 | Verified |
| 2390 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2390 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2390 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2390 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 54.99182 |  | Verified |
| 2390 | XX | XX | XX | Original PITI | 851.87 | 679.64 | Verified |
| 1986 | XX | XX | XX | Representative FICO | 712 |  | Verified |
| 1986 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1986 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1986 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 1986 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2144 | XX | XX | XX | Original Interest Rate | 6.36 | 6.125 | Verified |
| 2144 | XX | XX | XX | Representative FICO | 660 |  | Verified |
| 2144 | XX | XX | XX | Interest Only Period Expiration Date | 2001-05-01 |  | Verified |
| 2144 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2144 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.86435 |  | Verified |
| 2144 | XX | XX | XX | Original PITI | 1109.72 | 648.33 | Verified |
| 2208 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2208 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2208 | XX | XX | XX | Original PITI | 604.64 | 521.19 | Verified |
| 1963 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2695 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2695 | XX | XX | XX | Original Interest Rate | 4.75 | 7.625 | Verified |
| 2695 | XX | XX | XX | Representative FICO | 655 |  | Verified |
| 2695 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2695 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2695 | XX | XX | XX | Interest Only Period Expiration Date | 2002-06-01 |  | Verified |
| 2695 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2695 | XX | XX | XX | Original PITI | 1976.25 | 1394.16 | Verified |
| 2688 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2473 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2473 | XX | XX | XX | Original Interest Rate | 5.125 | 6.125 | Verified |
| 2473 | XX | XX | XX | Representative FICO | 644 |  | Verified |
| 2473 | XX | XX | XX | Occupancy | Primary | UTD | Verified |
| 2473 | XX | XX | XX | Purpose | Refinance | UTD | Verified |
| 2473 | XX | XX | XX | Margin | 0 | 2.75 | Verified |
| 2473 | XX | XX | XX | Interest Rate Life Min | 0 | 2.75 | Verified |
| 2473 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2473 | XX | XX | XX | Interest Rate Initial Minimum | 6.125 | 2.75 | Verified |
| 2473 | XX | XX | XX | Interest Only Period Expiration Date | 2002-07-01 |  | Verified |
| 2473 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2473 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 52.432 |  | Verified |
| 2473 | XX | XX | XX | Original PITI | 597.37 | 491.19 | Verified |
| 2242 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2242 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2711 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2711 | XX | XX | XX | Representative FICO | 628 |  | Verified |
| 2711 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2711 | XX | XX | XX | Interest Only Period Expiration Date | 2003-08-01 |  | Verified |
| 2711 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 52.41935 | 45.885 | Verified |
| 2711 | XX | XX | XX | Original PITI | 1753.68 | 959.34 | Verified |
| 1893 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1893 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 1893 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1893 | XX | XX | XX | First Interest Rate Change Date | 2014-06-01 | 2014-05-01 | Verified |
| 1893 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1893 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1893 | XX | XX | XX | Interest Rate Life Max |  | 10.5 | Verified |
| 1893 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1893 | XX | XX | XX | Interest Rate Initial Maximum |  | 10.5 | Verified |
| 1893 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1893 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 2008 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2008 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2008 | XX | XX | XX | Original P&I | 1173.61 | 632.86 | Verified |
| 2008 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2008 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2098 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2098 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2098 | XX | XX | XX | PMI Coverage % | 20 |  | Verified |
| 2098 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2356 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2356 | XX | XX | XX | Original P&I | 1275.20 | 1184.84 | Verified |
| 2356 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 2356 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 2356 | XX | XX | XX | Interest Only Period Expiration Date | 2004-09-01 |  | Verified |
| 2074 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2074 | XX | XX | XX | Original P&I | 302.31 | 221.22 | Verified |
| 2074 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 2074 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2074 | XX | XX | XX | Interest Only Period Expiration Date | 2004-10-01 |  | Verified |
| 2824 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2824 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2824 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2824 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2824 | XX | XX | XX | Original P&I | 1594.07 | 1888.16 | Verified |
| 2824 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2824 | XX | XX | XX | Interest Only Period Expiration Date | 2004-11-01 |  | Verified |
| 2260 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2260 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 2260 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 2260 | XX | XX | XX | First Interest Rate Change Date | 2010-05-01 | 2010-04-01 | Verified |
| 2260 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 2260 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 2260 | XX | XX | XX | Interest Rate Life Max |  | 11.5 | Verified |
| 2260 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 2260 | XX | XX | XX | Interest Rate Initial Maximum |  | 11.5 | Verified |
| 2260 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 2260 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 2260 | XX | XX | XX | Interest Only Period Expiration Date | 2016-11-01 | 2010-04-01 | Verified |
| 2669 | XX | XX | XX | Zip | XX | XX | Verified |
| 2669 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2669 | XX | XX | XX | Index Type |  | MTA - 12 Month | Verified |
| 2669 | XX | XX | XX | First Interest Rate Change Date | 2005-08-01 | 2005-07-01 | Verified |
| 2669 | XX | XX | XX | Interest Rate Change Frequency | 12 | 1 | Verified |
| 2669 | XX | XX | XX | Interest Rate Life Min | 99.99 | 3.2 | Verified |
| 2669 | XX | XX | XX | Interest Rate Periodic Cap | 9.95 | 0 | Verified |
| 2669 | XX | XX | XX | Interest Rate Initial Minimum | 99.99 | 3.2 | Verified |
| 2669 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2017 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2017 | XX | XX | XX | Original Interest Rate | 3.625 | 6.75 | Verified |
| 2017 | XX | XX | XX | Original P&I | 1709.36 | 1634.47 | Verified |
| 2017 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 2017 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 2017 | XX | XX | XX | Interest Only Period Expiration Date | 2005-07-01 |  | Verified |
| 2341 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2341 | XX | XX | XX | Original Interest Rate | 4.875 | 5.625 | Verified |
| 2341 | XX | XX | XX | Original P&I | 1157.03 | 696.55 | Verified |
| 2341 | XX | XX | XX | Representative FICO | 758 |  | Verified |
| 2341 | XX | XX | XX | Occupancy | Primary | UTD | Verified |
| 2341 | XX | XX | XX | Margin | 0 | 2.25 | Verified |
| 2341 | XX | XX | XX | Interest Rate Life Min | 0 | 2.25 | Verified |
| 2341 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2341 | XX | XX | XX | Interest Rate Initial Maximum | 5.625 | 10.625 | Verified |
| 2341 | XX | XX | XX | Interest Rate Initial Minimum | 5.625 | 2.25 | Verified |
| 2341 | XX | XX | XX | Interest Only Period Expiration Date | 2005-08-01 |  | Verified |
| 2341 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2341 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 42.59802 |  | Verified |
| 2809 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2809 | XX | XX | XX | Original P&I | 1303.27 | 1362.70 | Verified |
| 2809 | XX | XX | XX | Representative FICO | 694 | 669 | Verified |
| 2809 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 2809 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2809 | XX | XX | XX | Interest Only Period Expiration Date | 2005-09-01 |  | Verified |
| 2307 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 2307 | XX | XX | XX | Representative FICO | 619 |  | Verified |
| 2307 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2307 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2307 | XX | XX | XX | Original LTV | 87.5 |  | Verified |
| 2307 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2307 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2307 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2141 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 2141 | XX | XX | XX | Representative FICO | 663 | 643 | Verified |
| 2141 | XX | XX | XX | Property Type | UTD | PUD Attached | Verified |
| 2141 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2141 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2141 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2631 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2123 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2123 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2123 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2123 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2354 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2296 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2296 | XX | XX | XX | Original P&I | 2076.53 | 1786.19 | Verified |
| 2296 | XX | XX | XX | Representative FICO | 766 | 767 | Verified |
| 2296 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 2101 | XX | XX | XX | Zip | XX | XX | Verified |
| 2101 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2101 | XX | XX | XX | Original Interest Rate | 4 | 7.5 | Verified |
| 2101 | XX | XX | XX | Original P&I | 447.76 | 520.22 | Verified |
| 2101 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1945 | XX | XX | XX | Zip | XX | XX | Verified |
| 1945 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1945 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 1945 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1945 | XX | XX | XX | First Interest Rate Change Date | 2016-09-01 | 2016-08-01 | Verified |
| 1945 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1945 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1945 | XX | XX | XX | Interest Rate Life Max |  | 11.75 | Verified |
| 1945 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1945 | XX | XX | XX | Prepayment Penalty Period (months) | 999 | 12 | Verified |
| 1945 | XX | XX | XX | Interest Rate Initial Maximum |  | 11.75 | Verified |
| 1945 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 1945 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 1945 | XX | XX | XX | Interest Only Period Expiration Date |  | 2016-08-01 | Verified |
| 2164 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2164 | XX | XX | XX | Original Interest Rate | 3.625 | 6.375 | Verified |
| 2164 | XX | XX | XX | Original P&I | 1026.68 | 1075.78 | Verified |
| 2164 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 2164 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2164 | XX | XX | XX | Interest Only Period Expiration Date | 2006-11-01 | 2016-10-01 | Verified |
| 2469 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2469 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2469 | XX | XX | XX | Original Interest Rate | 4 | 7.25 | Verified |
| 2469 | XX | XX | XX | Original P&I | 906.80 | 475.48 | Verified |
| 2469 | XX | XX | XX | Interest Only Period Expiration Date | 2006-12-01 |  | Verified |
| 2469 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2024 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2024 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 2024 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 2024 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 2024 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2024 | XX | XX | XX | Original Interest Rate | 5 | 7.25 | Verified |
| 2024 | XX | XX | XX | Original P&I | 3264.78 | 2314.92 | Verified |
| 2024 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 2024 | XX | XX | XX | Interest Only Period Expiration Date | 2007-01-01 | 2016-12-01 | Verified |
| 2254 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2254 | XX | XX | XX | Original Interest Rate | 4.25 | 6.25 | Verified |
| 2254 | XX | XX | XX | Original P&I | 778.29 | 812.75 | Verified |
| 2254 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2254 | XX | XX | XX | Interest Only Period Expiration Date | 2007-02-01 |  | Verified |
| 1916 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1916 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1916 | XX | XX | XX | Original Interest Rate | 3 | 6.25 | Verified |
| 1916 | XX | XX | XX | Original P&I | 1535.42 | 1477.72 | Verified |
| 1916 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 1916 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1916 | XX | XX | XX | Interest Only Period Expiration Date | 2007-04-01 |  | Verified |
| 2554 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2554 | XX | XX | XX | Original Interest Rate | 3.5 | 6.625 | Verified |
| 2554 | XX | XX | XX | Original P&I | 1938.87 | 1434.30 | Verified |
| 2554 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2554 | XX | XX | XX | Interest Only Period Expiration Date | 2007-05-01 |  | Verified |
| 2358 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2358 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2358 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2358 | XX | XX | XX | Original Interest Rate | 3.375 | 7 | Verified |
| 2358 | XX | XX | XX | Original P&I | 1030.73 | 1122.92 | Verified |
| 2358 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 2358 | XX | XX | XX | Interest Only Period Expiration Date | 2007-05-01 | 2017-04-01 | Verified |
| 2358 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2912 | XX | XX | XX | Zip | XX | XX | Verified |
| 2912 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2912 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2912 | XX | XX | XX | Original Interest Rate | 3 | 6.875 | Verified |
| 2912 | XX | XX | XX | Original P&I | 775.78 | 618.75 | Verified |
| 2912 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 2912 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 2912 | XX | XX | XX | Interest Only Period Expiration Date | 2007-06-01 | 2017-05-01 | Verified |
| 2912 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 31.6182 | 39.23 | Verified |
| 2396 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2396 | XX | XX | XX | Original P&I | 1652.59 | 1652.23 | Verified |
| 2396 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2396 | XX | XX | XX | Interest Only Period Expiration Date | 2007-06-01 |  | Verified |
| 2782 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2782 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2782 | XX | XX | XX | Original Interest Rate | 4.25 | 6.375 | Verified |
| 2782 | XX | XX | XX | Original P&I | 1652.72 | 1487.50 | Verified |
| 2782 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 2782 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2782 | XX | XX | XX | Interest Only Period Expiration Date | 2007-06-01 | 2017-05-01 | Verified |
| 2782 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.44292 | 43.155 | Verified |
| 2323 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2323 | XX | XX | XX | Original P&I | 1662.19 | 927.88 | Verified |
| 2323 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2323 | XX | XX | XX | Interest Only Period Expiration Date | 2007-04-01 |  | Verified |
| 2323 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.81627 | 59.57 | Verified |
| 2397 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2397 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2397 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2397 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2294 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2294 | XX | XX | XX | Original Interest Rate | 4.25 | 6.75 | Verified |
| 2294 | XX | XX | XX | Original P&I | 875.20 | 1075.05 | Verified |
| 2294 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 2294 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2294 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2294 | XX | XX | XX | Interest Only Period Expiration Date | 2007-06-01 |  | Verified |
| 2460 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2460 | XX | XX | XX | Original Interest Rate | 5 | 7.5 | Verified |
| 2460 | XX | XX | XX | Original P&I | 764.46 | 636.29 | Verified |
| 2460 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2460 | XX | XX | XX | Interest Only Period Expiration Date | 2010-05-01 |  | Verified |
| 2566 | XX | XX | XX | City | XX | XX | Verified |
| 2566 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2566 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2566 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2566 | XX | XX | XX | Original Interest Rate | 4.875 | 6.625 | Verified |
| 2566 | XX | XX | XX | Original P&I | 1286.70 | 1024.50 | Verified |
| 2566 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2566 | XX | XX | XX | Interest Only Period Expiration Date | 2007-08-01 |  | Verified |
| 2858 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2858 | XX | XX | XX | Original Interest Rate | 4 | 5.875 | Verified |
| 2858 | XX | XX | XX | Original P&I | 1766.40 | 1762.50 | Verified |
| 2858 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 2858 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 2858 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 2858 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 2858 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 2858 | XX | XX | XX | Interest Rate Life Max |  | 10.875 | Verified |
| 2858 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 2858 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 2858 | XX | XX | XX | Prepayment Penalty | 0 | 1 | Verified |
| 2858 | XX | XX | XX | Interest Rate Initial Maximum |  | 10.875 | Verified |
| 2858 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 2858 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 2858 | XX | XX | XX | Interest Only Period Expiration Date | 2007-09-01 | 2017-08-01 | Verified |
| 2609 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2609 | XX | XX | XX | Original Interest Rate | 4.625 | 6.875 | Verified |
| 2609 | XX | XX | XX | Original P&I | 1418.69 | 1621.30 | Verified |
| 2609 | XX | XX | XX | Interest Only Period Expiration Date | 2012-03-01 |  | Verified |
| 2346 | XX | XX | XX | Zip | XX | XX | Verified |
| 2346 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2346 | XX | XX | XX | Interest Only Period Expiration Date |  | 2017-09-01 | Verified |
| 2346 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1985 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1985 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 1985 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1985 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 1985 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1985 | XX | XX | XX | Original Interest Rate | 4.125 | 7.75 | Verified |
| 1985 | XX | XX | XX | Original P&I | 2088.34 | 1970.14 | Verified |
| 1985 | XX | XX | XX | Representative FICO | 632 | 625 | Verified |
| 1985 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1985 | XX | XX | XX | Interest Only Period Expiration Date | 2007-10-01 |  | Verified |
| 2114 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2114 | XX | XX | XX | Original Interest Rate | 3.75 | 7.125 | Verified |
| 2114 | XX | XX | XX | Original P&I | 1306.40 | 2189.59 | Verified |
| 2114 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2114 | XX | XX | XX | Interest Only Period Expiration Date | 2007-10-01 |  | Verified |
| 2874 | XX | XX | XX | Zip | XX | XX | Verified |
| 2874 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2337 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2337 | XX | XX | XX | Original Interest Rate | 5 | 6.875 | Verified |
| 2337 | XX | XX | XX | Original P&I | 2496.98 | 1934.66 | Verified |
| 2337 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2337 | XX | XX | XX | Interest Only Period Expiration Date | 2007-12-01 |  | Verified |
| 2337 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2693 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2693 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2693 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2693 | XX | XX | XX | Original P&I | 681.33 | 778.32 | Verified |
| 2693 | XX | XX | XX | Representative FICO | 694 | 676 | Verified |
| 2693 | XX | XX | XX | Interest Only Period Expiration Date | 2007-12-01 |  | Verified |
| 2148 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2148 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2148 | XX | XX | XX | Original Interest Rate | 3.375 | 6.25 | Verified |
| 2148 | XX | XX | XX | Original P&I | 1235.69 | 1305.32 | Verified |
| 2148 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2148 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2148 | XX | XX | XX | Interest Only Period Expiration Date | 2008-01-01 |  | Verified |
| 2748 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2748 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2748 | XX | XX | XX | Original P&I | 832.37 | 502.81 | Verified |
| 2748 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2748 | XX | XX | XX | Interest Only Period Expiration Date | 2008-02-01 |  | Verified |
| 2132 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2132 | XX | XX | XX | Original Interest Rate | 4.625 | 5.5 | Verified |
| 2132 | XX | XX | XX | Original P&I | 1572.64 | 1315.42 | Verified |
| 2132 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 2132 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 2132 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 2132 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 2132 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 2132 | XX | XX | XX | Interest Rate Life Max |  | 10.5 | Verified |
| 2132 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 2132 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 2132 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2132 | XX | XX | XX | Interest Rate Initial Maximum |  | 10.5 | Verified |
| 2132 | XX | XX | XX | Interest Rate Initial Minimum |  | 2.25 | Verified |
| 2132 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 2132 | XX | XX | XX | Interest Only Period Expiration Date | 2008-02-01 | 2018-01-01 | Verified |
| 2629 | XX | XX | XX | Zip | XX | XX | Verified |
| 2629 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2338 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2338 | XX | XX | XX | Original Interest Rate | 3 | 7 | Verified |
| 2338 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 2338 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2338 | XX | XX | XX | Interest Only Period Expiration Date | 2008-02-01 |  | Verified |
| 2338 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2338 | XX | XX | XX | Original PITI | 1685.49 | 1853.13 | Verified |
| 2654 | XX | XX | XX | Representative FICO | 628 |  | Verified |
| 2654 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2654 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2654 | XX | XX | XX | Original LTV | 86.5 | 85.04 | Verified |
| 2654 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2654 | XX | XX | XX | PMI Coverage % | 26 | 17 | Verified |
| 2654 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2383 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2727 | XX | XX | XX | Street | XX | XX | Verified |
| 2727 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2727 | XX | XX | XX | Representative FICO | 755 | 629 | Verified |
| 2727 | XX | XX | XX | Property Type | UTD | PUD | Verified |
| 2727 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2727 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2727 | XX | XX | XX | PMI Coverage % | 78 |  | Verified |
| 2727 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2727 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2037 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 2037 | XX | XX | XX | Representative FICO | 694 | 645 | Verified |
| 2037 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2037 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2037 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2037 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2239 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2239 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2239 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2239 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2239 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2239 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2239 | XX | XX | XX | Original PITI | 1948.98 | 2001.09 | Verified |
| 2614 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2614 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2614 | XX | XX | XX | Representative FICO | 652 | 624 | Verified |
| 2614 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2614 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2614 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2614 | XX | XX | XX | Original PITI | 732.19 | 479.23 | Verified |
| 2355 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2355 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2355 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2355 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2355 | XX | XX | XX | Original Interest Rate | 4.125 | 4.25 | Verified |
| 2355 | XX | XX | XX | Representative FICO | 723 | 684 | Verified |
| 2355 | XX | XX | XX | Interest Only Period Expiration Date | 2013-03-01 |  | Verified |
| 2355 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 77.61538 | 75.56 | Verified |
| 2355 | XX | XX | XX | Original PITI | 1105.89 | 840.73 | Verified |
| 2080 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2080 | XX | XX | XX | Interest Only Period Expiration Date | 2013-05-01 |  | Verified |
| 2529 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2529 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2529 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2529 | XX | XX | XX | Original PITI | 933.32 | 827.98 | Verified |
| 2416 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2416 | XX | XX | XX | Original PITI | 678.58 | 439.29 | Verified |
| 1904 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1904 | XX | XX | XX | Original Interest Rate | 4.25 | 5.875 | Verified |
| 1904 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 1904 | XX | XX | XX | Interest Only Period Expiration Date | 2003-01-01 |  | Verified |
| 1904 | XX | XX | XX | Original PITI | 700.86 | 1005.62 | Verified |
| 2567 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2567 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2567 | XX | XX | XX | Original Interest Rate | 4.875 | 5.125 | Verified |
| 2567 | XX | XX | XX | Interest Only Period Expiration Date | 2013-12-01 |  | Verified |
| 2567 | XX | XX | XX | Original PITI | 2363.17 | 1873.04 | Verified |
| 2913 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2913 | XX | XX | XX | Representative FICO | 648 | 628 | Verified |
| 2913 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2913 | XX | XX | XX | Interest Only Period Expiration Date | 2002-10-01 |  | Verified |
| 2913 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2913 | XX | XX | XX | Original PITI | 665.23 | 586.77 | Verified |
| 2453 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2453 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2453 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 54.13485 | 43.2 | Verified |
| 2453 | XX | XX | XX | Original PITI | 2324.23 | 1205.10 | Verified |
| 2414 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2414 | XX | XX | XX | Original Interest Rate | 4 | 6.375 | Verified |
| 2414 | XX | XX | XX | Prepayment Penalty | 0 | 1 | Verified |
| 2414 | XX | XX | XX | Interest Only Period Expiration Date | 2003-05-01 |  | Verified |
| 2414 | XX | XX | XX | Original PITI | 410.48 | 492.86 | Verified |
| 2420 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2420 | XX | XX | XX | Original Interest Rate | 4.25 | 6.625 | Verified |
| 2420 | XX | XX | XX | Interest Only Period Expiration Date | 2003-06-01 |  | Verified |
| 2420 | XX | XX | XX | Original PITI | 615.13 | 480.23 | Verified |
| 2030 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2030 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2030 | XX | XX | XX | Original LTV | 69.5 |  | Verified |
| 2030 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2030 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2248 | XX | XX | XX | Representative FICO | 731 |  | Verified |
| 2248 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2248 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2248 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2675 | XX | XX | XX | Street | XX | XX | Verified |
| 2675 | XX | XX | XX | Representative FICO | 774 |  | Verified |
| 2675 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2675 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2675 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2648 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 2648 | XX | XX | XX | Representative FICO | 637 | 633 | Verified |
| 2648 | XX | XX | XX | Property Type | UTD | PUD | Verified |
| 2648 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2648 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2648 | XX | XX | XX | PMI Coverage % | 96 |  | Verified |
| 2648 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2388 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2388 | XX | XX | XX | Original P&I | 768.95 | 586.63 | Verified |
| 2388 | XX | XX | XX | Purpose | UTD | Purchase | Verified |
| 2388 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2102 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2102 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2102 | XX | XX | XX | Original Interest Rate | 4.25 | 6.5 | Verified |
| 2102 | XX | XX | XX | Interest Only Period Expiration Date | 2003-08-01 |  | Verified |
| 2102 | XX | XX | XX | Original PITI | 483.30 | 315.40 | Verified |
| 2591 | XX | XX | XX | Street | XX | XX | Verified |
| 2591 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2591 | XX | XX | XX | Representative FICO | 636 | 601 | Verified |
| 2591 | XX | XX | XX | Original PITI | 507.00 | 409.45 | Verified |
| 2673 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2673 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2673 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2449 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2449 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2449 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2449 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2521 | XX | XX | XX | Representative FICO | 649 | 622 | Verified |
| 2521 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2521 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2521 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2689 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 2689 | XX | XX | XX | Representative FICO | 693 | 655 | Verified |
| 2689 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2689 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 2689 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2689 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2689 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2078 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 2078 | XX | XX | XX | Representative FICO | 726 | 630 | Verified |
| 2078 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2078 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2078 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2094 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 2094 | XX | XX | XX | Property Type | UTD | Single Family Attached | Verified |
| 2094 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2094 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2363 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2363 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2363 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2031 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 2031 | XX | XX | XX | Representative FICO | 636 | 641 | Verified |
| 2031 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2031 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2031 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2031 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2031 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2312 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 2312 | XX | XX | XX | Property Type | UTD | PUD | Verified |
| 2312 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2312 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2312 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2757 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2757 | XX | XX | XX | Original P&I | 633.37 | 663.78 | Verified |
| 2757 | XX | XX | XX | Representative FICO | 552 | 559 | Verified |
| 2757 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2757 | XX | XX | XX | Interest Only Period Expiration Date | 2006-05-01 |  | Verified |
| 2757 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.99019 | 52.838 | Verified |
| 2763 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2763 | XX | XX | XX | Original P&I | 1227.48 | 718.03 | Verified |
| 2187 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 2187 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2187 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2187 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1935 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2438 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 2438 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 2438 | XX | XX | XX | Coborrower SSN | XX |  | Verified |
| 2438 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2438 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2438 | XX | XX | XX | Original Interest Rate | 4 | 7.5 | Verified |
| 2438 | XX | XX | XX | Original P&I | 755.66 | 867.03 | Verified |
| 2438 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2438 | XX | XX | XX | Interest Only Period Expiration Date | 2006-10-01 |  | Verified |
| 2498 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 2498 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2498 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2498 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2498 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2237 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2237 | XX | XX | XX | Original Interest Rate | 5 | 7.125 | Verified |
| 2237 | XX | XX | XX | Original P&I | 1337.64 | 1795.47 | Verified |
| 2237 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 2237 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2237 | XX | XX | XX | Interest Only Period Expiration Date | 2007-07-01 |  | Verified |
| 2237 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2133 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2133 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2133 | XX | XX | XX | Original Interest Rate | 4 | 8.125 | Verified |
| 2133 | XX | XX | XX | Original P&I | 2619.90 | 3096.22 | Verified |
| 2133 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2133 | XX | XX | XX | Interest Only Period Expiration Date | 2007-07-01 |  | Verified |
| 2133 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 31.15692 | 34.46 | Verified |
| 2207 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2207 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2207 | XX | XX | XX | Original Interest Rate | 5.125 | 8.625 | Verified |
| 2207 | XX | XX | XX | Original P&I | 958.24 | 1169.02 | Verified |
| 2207 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2207 | XX | XX | XX | Interest Only Period Expiration Date | 2010-06-01 |  | Verified |
| 2213 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2213 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2213 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 2213 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2213 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 1961 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 1961 | XX | XX | XX | Representative FICO | 779 | 790 | Verified |
| 1961 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 1961 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 1961 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1961 | XX | XX | XX | PMI Coverage % | 78 |  | Verified |
| 1961 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2190 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2190 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2190 | XX | XX | XX | Original Interest Rate | 4 | 8.125 | Verified |
| 2190 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2190 | XX | XX | XX | Interest Only Period Expiration Date | 2008-02-01 |  | Verified |
| 2190 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2190 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 33.55737 | 48.803 | Verified |
| 2190 | XX | XX | XX | Original PITI | 606.94 | 556.87 | Verified |
| 2732 | XX | XX | XX | Amortization Term | 480 | 360 | Verified |
| 2732 | XX | XX | XX | Property Type | UTD | Single Family Detached | Verified |
| 2732 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 2732 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2732 | XX | XX | XX | PMI Coverage % | 97 |  | Verified |
| 2732 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 2119 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2119 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2119 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 2119 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 2192 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2192 | XX | XX | XX | Representative FICO | 736 |  | Verified |
| 2192 | XX | XX | XX | Occupancy | Primary | UTD | Verified |
| 2192 | XX | XX | XX | Purpose | Refinance | UTD | Verified |
| 2192 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 2192 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2192 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 26.76717 |  | Verified |
| 2192 | XX | XX | XX | Original PITI | 1970.33 | 1701.28 | Verified |
| 2604 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2347 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2347 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2347 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 61.51 | Verified |
| 2510 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2510 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 50.36 | Verified |
| 2817 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2817 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 42.82 | Verified |
| 2721 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2155 | XX | XX | XX | Original CLTV | 87 | 91.72 | Verified |
| 2155 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2155 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 92.38 | Verified |
| 2832 | XX | XX | XX | Zip | XX | XX | Verified |
| 2832 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2694 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2076 | XX | XX | XX | Zip | XX | XX | Verified |
| 2076 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2076 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2076 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2745 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2022 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2022 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2022 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2022 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 41.423 | Verified |
| 2315 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2315 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2868 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2664 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2664 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2664 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2846 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2846 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 61.27 | Verified |
| 2419 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2419 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 31.11 | Verified |
| 2272 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2272 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2772 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1965 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2455 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2455 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2169 | XX | XX | XX | Street | XX | XX | Verified |
| 2169 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1996 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2203 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2203 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.71 | 32 | Verified |
| 1947 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1947 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1947 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 59.401 | Verified |
| 2725 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2725 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 48.27 | Verified |
| 2857 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2857 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2857 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2857 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 48.8 | Verified |
| 2385 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2385 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2385 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2877 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2877 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2877 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 26.33 | Verified |
| 1915 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1915 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1915 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 51.92 | Verified |
| 2452 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2452 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2452 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2122 | XX | XX | XX | Zip | XX | XX | Verified |
| 2122 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2122 | XX | XX | XX | Original CLTV | 105 |  | Verified |
| 2122 | XX | XX | XX | Original LTV | 105 |  | Verified |
| 2122 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2122 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 34.12 |  | Verified |
| 1958 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1958 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2898 | XX | XX | XX | Street | XX | XX | Verified |
| 2898 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2898 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2898 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 40.9 | Verified |
| 2404 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2404 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2404 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2404 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 36.43 | Verified |
| 2865 | XX | XX | XX | Zip | XX | XX | Verified |
| 2865 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2865 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2865 | XX | XX | XX | Original CLTV | 146 |  | Verified |
| 2865 | XX | XX | XX | Original LTV | 146 |  | Verified |
| 2865 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2865 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 57.95 |  | Verified |
| 2177 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2177 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 5.68 | Verified |
| 1923 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1923 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1923 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1923 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 157.284 | Verified |
| 2522 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2522 | XX | XX | XX | Original CLTV | 150 |  | Verified |
| 2522 | XX | XX | XX | Original LTV | 150 |  | Verified |
| 2522 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2291 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2291 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2581 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2581 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2581 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 93.21 | Verified |
| 2143 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2143 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2126 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2126 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2126 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 22.8 | Verified |
| 2349 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2349 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2349 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2349 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 59.64 | Verified |
| 2075 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2075 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2176 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2176 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2176 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 43.2 | Verified |
| 2814 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2814 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2814 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2814 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 30.8 | Verified |
| 2137 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2137 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2137 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2137 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 18.59 | Verified |
| 2344 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2344 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2344 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 48.69 | Verified |
| 2350 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2350 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2350 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2350 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 35.61 | Verified |
| 2786 | XX | XX | XX | Original CLTV | 158 | 156.89 | Verified |
| 2786 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2786 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 68.04 | Verified |
| 2792 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2792 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2792 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 41.64 | Verified |
| 2513 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2513 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 44.97 | Verified |
| 2167 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2167 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2167 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 26.212 | Verified |
| 2308 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2308 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 54.02 | Verified |
| 2399 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2399 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2399 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2399 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 33 | Verified |
| 2576 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2576 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2576 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2576 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 50.87 | Verified |
| 2292 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2292 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2292 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2292 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 49.36 | Verified |
| 2166 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2166 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 40.7 |  | Verified |
| 2831 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 30.86 |  | Verified |
| 2808 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2808 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2808 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 46.9 | Verified |
| 2743 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2743 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2743 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 40.14 | Verified |
| 2408 | XX | XX | XX | Street | XX | XX | Verified |
| 2408 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2408 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2408 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 210.28 | Verified |
| 2770 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2770 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2770 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2770 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 2770 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2770 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 74.64 | Verified |
| 2456 | XX | XX | XX | Street | XX | XX | Verified |
| 2456 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1980 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1980 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 47.4 | Verified |
| 2389 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2389 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2389 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2389 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 44.48 | 38.67 | Verified |
| 2335 | XX | XX | XX | City | XX | XX | Verified |
| 2335 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2895 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2895 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2895 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 124.31 | Verified |
| 2516 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2516 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 41.99 | 32.5 | Verified |
| 2053 | XX | XX | XX | City | XX | XX | Verified |
| 2053 | XX | XX | XX | Zip | XX | XX | Verified |
| 2053 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2053 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2298 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2298 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2298 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2855 | XX | XX | XX | Zip | XX | XX | Verified |
| 2855 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2855 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2915 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2541 | XX | XX | XX | Zip | XX | XX | Verified |
| 2541 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2541 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2002 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2002 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2002 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2423 | XX | XX | XX | Zip | XX | XX | Verified |
| 2423 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1931 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2013 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2747 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2747 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2282 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2282 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2282 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2546 | XX | XX | XX | Zip | XX | XX | Verified |
| 2546 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2546 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2546 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2546 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 47.02 | Verified |
| 2785 | XX | XX | XX | Street | XX | XX | Verified |
| 2785 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 2785 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2785 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.41 | 40.73 | Verified |
| 2052 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2052 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2052 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2052 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 2052 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2047 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2047 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2621 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2621 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 2621 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2406 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2061 | XX | XX | XX | City | XX | XX | Verified |
| 2061 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2061 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2827 | XX | XX | XX | Zip | XX | XX | Verified |
| 2827 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2827 | XX | XX | XX | Original CLTV | 82 | 71.12 | Verified |
| 2827 | XX | XX | XX | Original LTV | 75 | 64.89 | Verified |
| 2827 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2827 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 54.327 | Verified |
| 2015 | XX | XX | XX | Street | XX | XX | Verified |
| 2015 | XX | XX | XX | Zip | XX | XX | Verified |
| 2015 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2302 | XX | XX | XX | Zip | XX | XX | Verified |
| 2302 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 2302 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 2302 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2302 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 46.36 | Verified |
| 2044 | XX | XX | XX | City | XX | XX | Verified |
| 2044 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2903 | XX | XX | XX | Zip | XX | XX | Verified |
| 2903 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2903 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2903 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2903 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 85.11 | Verified |
| 2670 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2670 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2670 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2224 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2224 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2575 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2575 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2575 | XX | XX | XX | Original CLTV | 67 | 63.86 | Verified |
| 2575 | XX | XX | XX | Original LTV | 67 | 63.86 | Verified |
| 2575 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2200 | XX | XX | XX | Zip | XX | XX | Verified |
| 2200 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2200 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2200 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 54.86 | 67.11 | Verified |
| 2250 | XX | XX | XX | Street | XX | XX | Verified |
| 2250 | XX | XX | XX | Zip | XX | XX | Verified |
| 2250 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2619 | XX | XX | XX | Street | XX | XX | Verified |
| 2619 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2619 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2668 | XX | XX | XX | Zip | XX | XX | Verified |
| 2668 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2668 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 56.08 | 48.8 | Verified |
| 2226 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2226 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2435 | XX | XX | XX | Zip | XX | XX | Verified |
| 2435 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2103 | XX | XX | XX | Zip | XX | XX | Verified |
| 2103 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2103 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2628 | XX | XX | XX | Zip | XX | XX | Verified |
| 2628 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2064 | XX | XX | XX | City | XX | XX | Verified |
| 2064 | XX | XX | XX | Zip | XX | XX | Verified |
| 2064 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2064 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2699 | XX | XX | XX | Original CLTV | 85 | 47.81 | Verified |
| 2699 | XX | XX | XX | Original LTV | 85 | 47.81 | Verified |
| 2699 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2699 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 56.94 |  | Verified |
| 2118 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2118 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2316 | XX | XX | XX | Zip | XX | XX | Verified |
| 2316 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2316 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 53.07 |  | Verified |
| 2003 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2003 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2003 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 51.25 | 47.37 | Verified |
| 1987 | XX | XX | XX | City | XX | XX | Verified |
| 1987 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1987 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2317 | XX | XX | XX | Street | XX | XX | Verified |
| 2317 | XX | XX | XX | Zip | XX | XX | Verified |
| 2317 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2317 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2317 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.97 | 42.817 | Verified |
| 2583 | XX | XX | XX | Street | XX | XX | Verified |
| 2583 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2880 | XX | XX | XX | Street | XX | XX | Verified |
| 2880 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2880 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2880 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2446 | XX | XX | XX | Zip | XX | XX | Verified |
| 2446 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2378 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2378 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2378 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2041 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2760 | XX | XX | XX | Zip | XX | XX | Verified |
| 2760 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2760 | XX | XX | XX | Original LTV | 98 | 93.05 | Verified |
| 2760 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2412 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2412 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2655 | XX | XX | XX | Street | XX | XX | Verified |
| 2655 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2736 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2736 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2736 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1944 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1944 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1944 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 32.13 |  | Verified |
| 2038 | XX | XX | XX | Zip | XX | XX | Verified |
| 2038 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2613 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2613 | XX | XX | XX | Original CLTV | 90 | 91.19 | Verified |
| 2613 | XX | XX | XX | Original LTV | 90 | 91.19 | Verified |
| 2613 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2613 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 53.91 |  | Verified |
| 2539 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2539 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2539 | XX | XX | XX | Original CLTV | 80 | 77.07 | Verified |
| 2539 | XX | XX | XX | Original LTV | 80 | 77.07 | Verified |
| 2539 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2692 | XX | XX | XX | Zip | XX | XX | Verified |
| 2692 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2692 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2692 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.45 | 19.38 | Verified |
| 2377 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2228 | XX | XX | XX | City | XX | XX | Verified |
| 2869 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2869 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2869 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2268 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2268 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2268 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2268 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 2268 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2234 | XX | XX | XX | Zip | XX | XX | Verified |
| 2234 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2234 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2712 | XX | XX | XX | Zip | XX | XX | Verified |
| 2712 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 33.18 | 35.58 | Verified |
| 2084 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2084 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2127 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2127 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2127 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 16.59 | 48.05 | Verified |
| 2072 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2072 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2072 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2100 | XX | XX | XX | Zip | XX | XX | Verified |
| 2594 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2442 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2173 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2886 | XX | XX | XX | Zip | XX | XX | Verified |
| 2886 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2886 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2886 | XX | XX | XX | Original LTV | 65 | 68.18 | Verified |
| 2886 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2886 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 59.14 | 52.42 | Verified |
| 2805 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2805 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2805 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 56.77 | 64 | Verified |
| 2322 | XX | XX | XX | Street | XX | XX | Verified |
| 2322 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2322 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2322 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 56.77 | 60.09 | Verified |
| 2896 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2896 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2896 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1889 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2586 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2081 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2081 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 2081 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2767 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2866 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2866 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 56.29 |  | Verified |
| 2744 | XX | XX | XX | Street | XX | XX | Verified |
| 2744 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2744 | XX | XX | XX | Original CLTV | 100 | 103.81 | Verified |
| 2744 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2744 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 35.11 | 38.26 | Verified |
| 2247 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2508 | XX | XX | XX | Zip | XX | XX | Verified |
| 1960 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2244 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2244 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2661 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2661 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2661 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2661 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.64 |  | Verified |
| 1918 | XX | XX | XX | Street | XX | XX | Verified |
| 1918 | XX | XX | XX | Zip | XX | XX | Verified |
| 1918 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2627 | XX | XX | XX | Zip | XX | XX | Verified |
| 2232 | XX | XX | XX | Zip | XX | XX | Verified |
| 2232 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 2232 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 2232 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2232 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 47.02 |  | Verified |
| 2451 | XX | XX | XX | Street | XX | XX | Verified |
| 2451 | XX | XX | XX | Zip | XX | XX | Verified |
| 2451 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2451 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2451 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 25.73 | 28.17 | Verified |
| 1928 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1928 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2764 | XX | XX | XX | Zip | XX | XX | Verified |
| 2764 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2593 | XX | XX | XX | Street | XX | XX | Verified |
| 2593 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2593 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 2593 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2593 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 53.65 | 61.34 | Verified |
| 2578 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2299 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2299 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2299 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 2299 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 2299 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 2299 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2548 | XX | XX | XX | Zip | XX | XX | Verified |
| 2548 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2883 | XX | XX | XX | Zip | XX | XX | Verified |
| 2883 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2883 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2883 | XX | XX | XX | Original CLTV | 89 |  | Verified |
| 2883 | XX | XX | XX | Original LTV | 89 |  | Verified |
| 2883 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2883 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.4 |  | Verified |
| 2246 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2246 | XX | XX | XX | Original CLTV | 83 | 85.69 | Verified |
| 2246 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2804 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2804 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2520 | XX | XX | XX | Street | XX | XX | Verified |
| 2520 | XX | XX | XX | City | XX | XX | Verified |
| 2520 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 26.53 | 21.47 | Verified |
| 2610 | XX | XX | XX | Zip | XX | XX | Verified |
| 2610 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2537 | XX | XX | XX | Zip | XX | XX | Verified |
| 2537 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2537 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2493 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2493 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2170 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2170 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2170 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2170 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 59.84 | 50.96 | Verified |
| 2468 | XX | XX | XX | Zip | XX | XX | Verified |
| 2468 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1933 | XX | XX | XX | Original CLTV | 80 | 75.86 | Verified |
| 1933 | XX | XX | XX | Original LTV | 80 | 75.86 | Verified |
| 1933 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1962 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 53.38 | 48.87 | Verified |
| 2086 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2086 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2086 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2430 | XX | XX | XX | Street | XX | XX | Verified |
| 2430 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2430 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2790 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2071 | XX | XX | XX | Street | XX | XX | Verified |
| 2071 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2071 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2039 | XX | XX | XX | Zip | XX | XX | Verified |
| 2039 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2131 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2131 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2188 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2188 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2188 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2899 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2899 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2124 | XX | XX | XX | Zip | XX | XX | Verified |
| 2124 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2055 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2055 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2720 | XX | XX | XX | Zip | XX | XX | Verified |
| 2720 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2608 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2608 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2181 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1959 | XX | XX | XX | City | XX | XX | Verified |
| 1959 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1959 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1959 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2756 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2756 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2756 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2391 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2391 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2223 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2223 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2600 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2535 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2535 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2130 | XX | XX | XX | City | XX | XX | Verified |
| 2130 | XX | XX | XX | Zip | XX | XX | Verified |
| 2130 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2818 | XX | XX | XX | Street | XX | XX | Verified |
| 2818 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2797 | XX | XX | XX | Zip | XX | XX | Verified |
| 2797 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2797 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2211 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2211 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2211 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2028 | XX | XX | XX | Zip | XX | XX | Verified |
| 2028 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2890 | XX | XX | XX | Zip | XX | XX | Verified |
| 2890 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2864 | XX | XX | XX | Zip | XX | XX | Verified |
| 2864 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2864 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1888 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1888 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 59.34 | 64.5 | Verified |
| 2343 | XX | XX | XX | Street | XX | XX | Verified |
| 2343 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2343 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1949 | XX | XX | XX | Street | XX | XX | Verified |
| 1949 | XX | XX | XX | Zip | XX | XX | Verified |
| 1949 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2806 | XX | XX | XX | Street | XX | XX | Verified |
| 2806 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2806 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2481 | XX | XX | XX | Zip | XX | XX | Verified |
| 2481 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2481 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2481 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 56.55 |  | Verified |
| 2602 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1979 | XX | XX | XX | Zip | XX | XX | Verified |
| 1972 | XX | XX | XX | Zip | XX | XX | Verified |
| 1972 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1972 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1972 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2676 | XX | XX | XX | Street | XX | XX | Verified |
| 2676 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2676 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2676 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2676 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.43 | 45.27 | Verified |
| 1976 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1976 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1976 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2297 | XX | XX | XX | Zip | XX | XX | Verified |
| 2279 | XX | XX | XX | Zip | XX | XX | Verified |
| 2279 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2279 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2674 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2674 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2674 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 2674 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2445 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2445 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2807 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1990 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2538 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2538 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2549 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2734 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2313 | XX | XX | XX | Street | XX | XX | Verified |
| 2313 | XX | XX | XX | Original CLTV | 73 | 112.35 | Verified |
| 2313 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1977 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1977 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2588 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2588 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2788 | XX | XX | XX | Zip | XX | XX | Verified |
| 2788 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2891 | XX | XX | XX | Zip | XX | XX | Verified |
| 2891 | XX | XX | XX | Original CLTV | 91 | 75 | Verified |
| 2741 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2713 | XX | XX | XX | Zip | XX | XX | Verified |
| 2713 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2713 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2225 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2225 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2332 | XX | XX | XX | Zip | XX | XX | Verified |
| 2332 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2332 | XX | XX | XX | Original CLTV | 44 | 61.28 | Verified |
| 2332 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2326 | XX | XX | XX | City | XX | XX | Verified |
| 2326 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2568 | XX | XX | XX | City | XX | XX | Verified |
| 2568 | XX | XX | XX | Zip | XX | XX | Verified |
| 2568 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2421 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1999 | XX | XX | XX | Zip | XX | XX | Verified |
| 1999 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2671 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2671 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2812 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2393 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2021 | XX | XX | XX | Street | XX | XX | Verified |
| 2021 | XX | XX | XX | City | XX | XX | Verified |
| 2021 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2021 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2330 | XX | XX | XX | Street | XX | XX | Verified |
| 2330 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2429 | XX | XX | XX | Street | XX | XX | Verified |
| 2429 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2461 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2353 | XX | XX | XX | Zip | XX | XX | Verified |
| 2353 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2776 | XX | XX | XX | Zip | XX | XX | Verified |
| 2776 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2336 | XX | XX | XX | City | XX | XX | Verified |
| 2336 | XX | XX | XX | Original CLTV | 71 | 100 | Verified |
| 2336 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2139 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2139 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2233 | XX | XX | XX | Zip | XX | XX | Verified |
| 2233 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2233 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2240 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2240 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 21.43 | 18.76 | Verified |
| 2093 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2093 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2093 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 56.14 | 61.98 | Verified |
| 2626 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2626 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2626 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 2626 | XX | XX | XX | Original LTV | 78 | 66.52 | Verified |
| 2626 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2140 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1946 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1946 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 29.66 | 37.05 | Verified |
| 2731 | XX | XX | XX | Zip | XX | XX | Verified |
| 2731 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2731 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2005 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2005 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 43.68 | 48.05 | Verified |
| 2475 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2879 | XX | XX | XX | Street | XX | XX | Verified |
| 2879 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2879 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2879 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2512 | XX | XX | XX | Zip | XX | XX | Verified |
| 2512 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2512 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2598 | XX | XX | XX | Zip | XX | XX | Verified |
| 2598 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2598 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2598 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 67.32 | 64.21 | Verified |
| 2484 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2484 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2159 | XX | XX | XX | Street | XX | XX | Verified |
| 2159 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2159 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2304 | XX | XX | XX | Street | XX | XX | Verified |
| 2304 | XX | XX | XX | Zip | XX | XX | Verified |
| 2304 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2180 | XX | XX | XX | Original CLTV | 80 | 78.18 | Verified |
| 2180 | XX | XX | XX | Original LTV | 80 | 78.18 | Verified |
| 2180 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2623 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2623 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2623 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2649 | XX | XX | XX | Street | XX | XX | Verified |
| 2649 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2649 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2649 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1998 | XX | XX | XX | Investor: Qualifying Total Debt Ratio |  | 30.84 | Verified |
| 2612 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2612 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2519 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2212 | XX | XX | XX | Street | XX | XX | Verified |
| 2212 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 2212 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2212 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2533 | XX | XX | XX | Street | XX | XX | Verified |
| 2533 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2533 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2503 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2215 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2686 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2235 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2235 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2205 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2205 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2860 | XX | XX | XX | City | XX | XX | Verified |
| 2860 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2557 | XX | XX | XX | Street | XX | XX | Verified |
| 2557 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2557 | XX | XX | XX | Original CLTV | 90 | 94.42 | Verified |
| 2557 | XX | XX | XX | Original LTV | 80 | 83.92 | Verified |
| 2557 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2359 | XX | XX | XX | Zip | XX | XX | Verified |
| 2359 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2359 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2359 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 43.55 | 40.9 | Verified |
| 2146 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2146 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 63.63 |  | Verified |
| 2303 | XX | XX | XX | Street | XX | XX | Verified |
| 2303 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2472 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2472 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2774 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2774 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2651 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2651 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1897 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2873 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2873 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2682 | XX | XX | XX | Street | XX | XX | Verified |
| 2682 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2682 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2441 | XX | XX | XX | Zip | XX | XX | Verified |
| 2441 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2089 | XX | XX | XX | Zip | XX | XX | Verified |
| 2089 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2835 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2672 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2672 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1907 | XX | XX | XX | City | XX | XX | Verified |
| 1907 | XX | XX | XX | Zip | XX | XX | Verified |
| 1907 | XX | XX | XX | Original CLTV | 70 |  | Verified |
| 1907 | XX | XX | XX | Original LTV | 70 |  | Verified |
| 1907 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1907 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 55.21 |  | Verified |
| 2909 | XX | XX | XX | Street | XX | XX | Verified |
| 2909 | XX | XX | XX | Zip | XX | XX | Verified |
| 2615 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2615 | XX | XX | XX | Original CLTV |  | 87.42 | Verified |
| 2615 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2333 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2333 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2333 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2216 | XX | XX | XX | Zip | XX | XX | Verified |
| 2216 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2216 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2216 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2216 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 42.54 | 32.44 | Verified |
| 2666 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2666 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2666 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2096 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2096 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2092 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2070 | XX | XX | XX | Street | XX | XX | Verified |
| 2070 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2070 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2070 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 97.26 | 42.181 | Verified |
| 2422 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2422 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2422 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 71.53 | 50.12 | Verified |
| 2698 | XX | XX | XX | Street | XX | XX | Verified |
| 2698 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2698 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2728 | XX | XX | XX | Street | XX | XX | Verified |
| 2728 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2728 | XX | XX | XX | Original LTV | 52 |  | Verified |
| 2728 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2728 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 46.8 |  | Verified |
| 2230 | XX | XX | XX | Zip | XX | XX | Verified |
| 2230 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2230 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.2 | 59.23 | Verified |
| 2222 | XX | XX | XX | Street | XX | XX | Verified |
| 2222 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2222 | XX | XX | XX | Original CLTV |  | 90 | Verified |
| 2222 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.03 |  | Verified |
| 2320 | XX | XX | XX | Street | XX | XX | Verified |
| 2320 | XX | XX | XX | City | XX | XX | Verified |
| 2320 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2320 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2179 | XX | XX | XX | Zip | XX | XX | Verified |
| 2179 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2277 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2277 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2277 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 58.85 | 56.44 | Verified |
| 2153 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2153 | XX | XX | XX | Original CLTV |  | 75.03 | Verified |
| 2153 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2810 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2810 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2217 | XX | XX | XX | Zip | XX | XX | Verified |
| 2217 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2577 | XX | XX | XX | Zip | XX | XX | Verified |
| 2577 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2577 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2847 | XX | XX | XX | Street | XX | XX | Verified |
| 2847 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2847 | XX | XX | XX | Original CLTV | 80 | 54.26 | Verified |
| 2847 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2847 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 10.77 |  | Verified |
| 1948 | XX | XX | XX | Street | XX | XX | Verified |
| 1948 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1948 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2715 | XX | XX | XX | Street | XX | XX | Verified |
| 2715 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2715 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1921 | XX | XX | XX | Street | XX | XX | Verified |
| 1921 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1921 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1921 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1921 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 31.74 | 35.93 | Verified |
| 2267 | XX | XX | XX | Street | XX | XX | Verified |
| 2267 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2199 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2199 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2556 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2556 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2394 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2218 | XX | XX | XX | City | XX | XX | Verified |
| 2218 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2218 | XX | XX | XX | Original CLTV |  | 90 | Verified |
| 2218 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 35.69 |  | Verified |
| 2647 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2647 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 2647 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 1937 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1937 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 43.99 | 46.29 | Verified |
| 2769 | XX | XX | XX | Zip | XX | XX | Verified |
| 2769 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2769 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1890 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1890 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1890 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1890 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 1890 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 39.03 |  | Verified |
| 2492 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2340 | XX | XX | XX | City | XX | XX | Verified |
| 2340 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2766 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2766 | XX | XX | XX | Original CLTV | 80 | 100 | Verified |
| 2766 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2151 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2151 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2151 | XX | XX | XX | Original Interest Rate | 7.375 | 7.25 | Verified |
| 2151 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2151 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 51.43 | 60.743 | Verified |
| 2795 | XX | XX | XX | Street | XX | XX | Verified |
| 2795 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2887 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2887 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2887 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 95.23 | 57.24 | Verified |
| 2759 | XX | XX | XX | Zip | XX | XX | Verified |
| 2759 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2859 | XX | XX | XX | Original CLTV | 62 | 84.44 | Verified |
| 2859 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2032 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2032 | XX | XX | XX | Original CLTV |  | 66.6 | Verified |
| 2032 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2136 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2136 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2690 | XX | XX | XX | Zip | XX | XX | Verified |
| 2690 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2644 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2644 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2644 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2352 | XX | XX | XX | Zip | XX | XX | Verified |
| 2352 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2789 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2789 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2837 | XX | XX | XX | Street | XX | XX | Verified |
| 2837 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2007 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2007 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2007 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2656 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2327 | XX | XX | XX | City | XX | XX | Verified |
| 2327 | XX | XX | XX | Zip | XX | XX | Verified |
| 2327 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2327 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 40.92 | 23.16 | Verified |
| 2735 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1903 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1903 | XX | XX | XX | Original CLTV | 80 | 87.58 | Verified |
| 2611 | XX | XX | XX | City | XX | XX | Verified |
| 2611 | XX | XX | XX | Zip | XX | XX | Verified |
| 2611 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2853 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2853 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2853 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2552 | XX | XX | XX | Zip | XX | XX | Verified |
| 2552 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2552 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2550 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2550 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2606 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2011 | XX | XX | XX | Zip | XX | XX | Verified |
| 2011 | XX | XX | XX | Original CLTV | 69 |  | Verified |
| 2011 | XX | XX | XX | Original LTV | 69 |  | Verified |
| 2011 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2011 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 41.64 |  | Verified |
| 2040 | XX | XX | XX | Original CLTV | 58 |  | Verified |
| 2040 | XX | XX | XX | Original LTV | 58 |  | Verified |
| 2040 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2040 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 45.14 |  | Verified |
| 2908 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2908 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2908 | XX | XX | XX | Original CLTV | 80 | 100 | Verified |
| 2908 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2559 | XX | XX | XX | Original CLTV | 95 |  | Verified |
| 2559 | XX | XX | XX | Original LTV | 79 |  | Verified |
| 2559 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2559 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 42.79 |  | Verified |
| 2911 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2911 | XX | XX | XX | Original CLTV | 90 | 83.16 | Verified |
| 2724 | XX | XX | XX | Zip | XX | XX | Verified |
| 2724 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2099 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2379 | XX | XX | XX | Zip | XX | XX | Verified |
| 2379 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2379 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2791 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2791 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1919 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1919 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1919 | XX | XX | XX | Original CLTV |  | 95 | Verified |
| 1919 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2214 | XX | XX | XX | Street | XX | XX | Verified |
| 2214 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2214 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2214 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2018 | XX | XX | XX | Zip | XX | XX | Verified |
| 2018 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2018 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2018 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 51.81 | 31.65 | Verified |
| 2295 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2295 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2295 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 33.52 | 37.35 | Verified |
| 1925 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2862 | XX | XX | XX | Zip | XX | XX | Verified |
| 2862 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2862 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2501 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2487 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2751 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2751 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2751 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.99 |  | Verified |
| 2796 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2796 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2683 | XX | XX | XX | Zip | XX | XX | Verified |
| 2683 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2683 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2683 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 2683 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2704 | XX | XX | XX | Zip | XX | XX | Verified |
| 2704 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2704 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 30.81 | 33.55 | Verified |
| 2284 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2801 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2269 | XX | XX | XX | Street | XX | XX | Verified |
| 2403 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2403 | XX | XX | XX | Original CLTV |  | 90 | Verified |
| 2006 | XX | XX | XX | Zip | XX | XX | Verified |
| 2006 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2324 | XX | XX | XX | City | XX | XX | Verified |
| 2324 | XX | XX | XX | Zip | XX | XX | Verified |
| 2193 | XX | XX | XX | Zip | XX | XX | Verified |
| 2193 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1932 | XX | XX | XX | Zip | XX | XX | Verified |
| 1932 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1932 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1932 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 40.97 | 45.6 | Verified |
| 2872 | XX | XX | XX | Zip | XX | XX | Verified |
| 2872 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2872 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2872 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2872 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 18.89 | 23.43 | Verified |
| 1895 | XX | XX | XX | Zip | XX | XX | Verified |
| 1895 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1895 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2029 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2536 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2536 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.34 |  | Verified |
| 2079 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2079 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2300 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2300 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2300 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2300 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2300 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2300 | XX | XX | XX | Original Interest Rate | 6.25 | 6.5 | Verified |
| 2300 | XX | XX | XX | Margin |  | 3 | Verified |
| 2300 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2904 | XX | XX | XX | Zip | XX | XX | Verified |
| 2189 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2189 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2189 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2189 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.87 | 48.41 | Verified |
| 2561 | XX | XX | XX | Zip | XX | XX | Verified |
| 2561 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2642 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2185 | XX | XX | XX | Original CLTV |  | 100 | Verified |
| 2185 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1953 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1953 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1953 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2861 | XX | XX | XX | Street | XX | XX | Verified |
| 2861 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2381 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2034 | XX | XX | XX | Zip | XX | XX | Verified |
| 2034 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2034 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2183 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2183 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2183 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 30.67 | 33.822 | Verified |
| 2622 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2622 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2622 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 26.52 | 23.9 | Verified |
| 2054 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2829 | XX | XX | XX | City | XX | XX | Verified |
| 2829 | XX | XX | XX | Zip | XX | XX | Verified |
| 2829 | XX | XX | XX | Original CLTV | 90 | 70 | Verified |
| 2266 | XX | XX | XX | Street | XX | XX | Verified |
| 2266 | XX | XX | XX | Zip | XX | XX | Verified |
| 2266 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2266 | XX | XX | XX | Original CLTV | 80 | 100 | Verified |
| 2266 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2574 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2574 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2755 | XX | XX | XX | Zip | XX | XX | Verified |
| 2755 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2755 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2755 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 41.86 |  | Verified |
| 2077 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2773 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2773 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2362 | XX | XX | XX | Zip | XX | XX | Verified |
| 2362 | XX | XX | XX | Original CLTV | 100 |  | Verified |
| 2362 | XX | XX | XX | Original LTV | 100 |  | Verified |
| 2362 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2362 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.64 |  | Verified |
| 2646 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2646 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36 | 33.07 | Verified |
| 2091 | XX | XX | XX | Street | XX | XX | Verified |
| 2091 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2135 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2135 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2135 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 32.67 | 29.38 | Verified |
| 2329 | XX | XX | XX | City | XX | XX | Verified |
| 2329 | XX | XX | XX | Zip | XX | XX | Verified |
| 2329 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2329 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2329 | XX | XX | XX | Original CLTV | 80 | 90 | Verified |
| 2329 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2318 | XX | XX | XX | Street | XX | XX | Verified |
| 2318 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2318 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.94 | 33.06 | Verified |
| 2000 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2310 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2310 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2310 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 2310 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 2310 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2142 | XX | XX | XX | Street | XX | XX | Verified |
| 2142 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 62.57 | 41.07 | Verified |
| 2881 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 43.19 |  | Verified |
| 1910 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1910 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1910 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 55.77 |  | Verified |
| 2592 | XX | XX | XX | City | XX | XX | Verified |
| 2592 | XX | XX | XX | Zip | XX | XX | Verified |
| 2592 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2175 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2036 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2036 | XX | XX | XX | Original CLTV |  | 90 | Verified |
| 2036 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2813 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2813 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2366 | XX | XX | XX | Street | XX | XX | Verified |
| 2366 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.93 | 41.885 | Verified |
| 1994 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1994 | XX | XX | XX | Original LTV | 52 |  | Verified |
| 1994 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2059 | XX | XX | XX | Original CLTV |  | 95 | Verified |
| 2059 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2305 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2286 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2286 | XX | XX | XX | Original CLTV | 86 | 87.36 | Verified |
| 2286 | XX | XX | XX | Original LTV | 75 | 76.19 | Verified |
| 2286 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2624 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2624 | XX | XX | XX | Original CLTV | 100 |  | Verified |
| 2624 | XX | XX | XX | Original LTV | 100 |  | Verified |
| 2624 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2624 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 29.4 |  | Verified |
| 2057 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2057 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2057 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2569 | XX | XX | XX | City | XX | XX | Verified |
| 2569 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2569 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2569 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48 | 38.16 | Verified |
| 2488 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2488 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2488 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 2488 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 2488 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2488 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 25.44 |  | Verified |
| 2822 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2822 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2822 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2822 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 23.57 | 49.55 | Verified |
| 1924 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2375 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2375 | XX | XX | XX | Original CLTV | 80 | 100 | Verified |
| 2375 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2227 | XX | XX | XX | Original LTV | 100 |  | Verified |
| 2227 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2518 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2518 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2518 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2518 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 19.6 |  | Verified |
| 2345 | XX | XX | XX | City | XX | XX | Verified |
| 2345 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2345 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 19.55 | 39.93 | Verified |
| 2434 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2434 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 56.46 | 39.44 | Verified |
| 2480 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2480 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2480 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2463 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2463 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2463 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2463 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 2463 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 2463 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 2463 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2463 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 26.71 |  | Verified |
| 2821 | XX | XX | XX | Street | XX | XX | Verified |
| 2821 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2821 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 22.1 | 39.96 | Verified |
| 2636 | XX | XX | XX | City | XX | XX | Verified |
| 2636 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2636 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2636 | XX | XX | XX | Original CLTV | 70 |  | Verified |
| 2636 | XX | XX | XX | Original LTV | 70 |  | Verified |
| 2636 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2636 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 52.86 |  | Verified |
| 1911 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1911 | XX | XX | XX | Original CLTV | 56 |  | Verified |
| 1911 | XX | XX | XX | Original LTV | 56 |  | Verified |
| 1911 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1911 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 28.98 |  | Verified |
| 2428 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2428 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2428 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 21.06 | 23.1 | Verified |
| 2506 | XX | XX | XX | Street | XX | XX | Verified |
| 2506 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2506 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 18.68 | 22.05 | Verified |
| 2090 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2090 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2090 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2090 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 2090 | XX | XX | XX | Original CLTV |  | 90 | Verified |
| 2090 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2905 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2905 | XX | XX | XX | Original LTV | 63 | 71.93 | Verified |
| 2905 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2905 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 52.94 | 38.069 | Verified |
| 2590 | XX | XX | XX | Original CLTV | 73 | 82 | Verified |
| 2590 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2708 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2708 | XX | XX | XX | Coborrower First Name | XX |  | Verified |
| 2708 | XX | XX | XX | Coborrower Last Name | XX |  | Verified |
| 2708 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2708 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 65.66 | 55.54 | Verified |
| 2154 | XX | XX | XX | Street | XX | XX | Verified |
| 2154 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2154 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2154 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2392 | XX | XX | XX | Street | XX | XX | Verified |
| 2392 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2392 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2392 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 53.62 | 48.15 | Verified |
| 2793 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2793 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2793 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 76.61 | 58 | Verified |
| 2485 | XX | XX | XX | Street | XX | XX | Verified |
| 2485 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2485 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2485 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 40.17 | 18.7 | Verified |
| 2500 | XX | XX | XX | Zip | XX | XX | Verified |
| 2500 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2500 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 2500 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 2500 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2012 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2012 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 28.56 |  | Verified |
| 2563 | XX | XX | XX | Zip | XX | XX | Verified |
| 2563 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2563 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2563 | XX | XX | XX | Original CLTV | 76 | 90.38 | Verified |
| 2563 | XX | XX | XX | Original LTV | 71 | 75.38 | Verified |
| 2563 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2149 | XX | XX | XX | City | XX | XX | Verified |
| 2149 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2149 | XX | XX | XX | Original LTV | 81 | 93.71 | Verified |
| 2149 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2826 | XX | XX | XX | City | XX | XX | Verified |
| 2826 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2826 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 39.72 |  | Verified |
| 2050 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2050 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2050 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 33.66 | 31.57 | Verified |
| 2601 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2601 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2601 | XX | XX | XX | Original CLTV | 69 |  | Verified |
| 2601 | XX | XX | XX | Original LTV | 69 |  | Verified |
| 2601 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2601 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 22.43 |  | Verified |
| 2706 | XX | XX | XX | Street | XX | XX | Verified |
| 2706 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2706 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2706 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 2706 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1899 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1899 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1899 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1908 | XX | XX | XX | Street | XX | XX | Verified |
| 1908 | XX | XX | XX | City | XX | XX | Verified |
| 1908 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1908 | XX | XX | XX | Original CLTV | 95 |  | Verified |
| 1908 | XX | XX | XX | Original LTV | 95 |  | Verified |
| 1908 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1908 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 55.44 |  | Verified |
| 2462 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2815 | XX | XX | XX | Street | XX | XX | Verified |
| 2815 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2815 | XX | XX | XX | Original CLTV | 95 | 98.87 | Verified |
| 2815 | XX | XX | XX | Original LTV | 95 | 98.87 | Verified |
| 2815 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2231 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2231 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2409 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2409 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2409 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1912 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1912 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 41.69 |  | Verified |
| 2836 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2836 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2836 | XX | XX | XX | Note Date | XX | XX | Verified |
| 2836 | XX | XX | XX | Original CLTV |  | 66.13 | Verified |
| 2836 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2339 | XX | XX | XX | City | XX | XX | Verified |
| 2339 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2339 | XX | XX | XX | Original CLTV | 90 |  | Verified |
| 2339 | XX | XX | XX | Original LTV | 90 |  | Verified |
| 2339 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2339 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 53.03 |  | Verified |
| 2617 | XX | XX | XX | Street | XX | XX | Verified |
| 2617 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2617 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2051 | XX | XX | XX | Street | XX | XX | Verified |
| 2051 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2051 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2051 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2051 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 28.39 | 16.98 | Verified |
| 2016 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 2016 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 2016 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2016 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.53 |  | Verified |
| 2587 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2587 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2587 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2587 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 2489 | XX | XX | XX | Street | XX | XX | Verified |
| 2489 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2489 | XX | XX | XX | Original CLTV | 71 | 89.73 | Verified |
| 2489 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2489 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 14.08 |  | Verified |
| 2710 | XX | XX | XX | City | XX | XX | Verified |
| 2710 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2710 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2710 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 47.44 | 38.612 | Verified |
| 2738 | XX | XX | XX | Zip | XX | XX | Verified |
| 2738 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2738 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2738 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.58 | 36.719 | Verified |
| 2386 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2386 | XX | XX | XX | Original CLTV | 80 | 95 | Verified |
| 2386 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2505 | XX | XX | XX | Street | XX | XX | Verified |
| 2505 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2906 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2906 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2906 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 54.18 | 38.39 | Verified |
| 2502 | XX | XX | XX | Street | XX | XX | Verified |
| 2502 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2502 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2502 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 22.65 | 40.33 | Verified |
| 2257 | XX | XX | XX | Street | XX | XX | Verified |
| 2257 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2257 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2257 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 49.88 | 52.43 | Verified |
| 2290 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 2290 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 2290 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2290 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 22.48 |  | Verified |
| 2289 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 2289 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 2289 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2289 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 23.79 |  | Verified |
| 1954 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1954 | XX | XX | XX | Original CLTV | 46 |  | Verified |
| 1954 | XX | XX | XX | Original LTV | 52 |  | Verified |
| 1954 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2202 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2202 | XX | XX | XX | Original CLTV | 100 | 110.37 | Verified |
| 2202 | XX | XX | XX | Original LTV | 100 | 110.37 | Verified |
| 2202 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2202 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 52.34 |  | Verified |
| 2273 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2288 | XX | XX | XX | Zip | XX | XX | Verified |
| 2288 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 2288 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 2288 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2288 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 21.22 |  | Verified |
| 2348 | XX | XX | XX | Street | XX | XX | Verified |
| 2348 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2348 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 48.29 | 39.7 | Verified |
| 2553 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2553 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2553 | XX | XX | XX | Original CLTV | 78 | 100 | Verified |
| 2553 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2553 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 36.53 | 29.863 | Verified |
| 2558 | XX | XX | XX | Street | XX | XX | Verified |
| 2558 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2558 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 56.72 |  | Verified |
| 2650 | XX | XX | XX | Zip | XX | XX | Verified |
| 2650 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2650 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1900 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2049 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2049 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 49.73 | 84.64 | Verified |
| 2777 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2777 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2777 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2387 | XX | XX | XX | Street | XX | XX | Verified |
| 2387 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2387 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2387 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2387 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 51.51 |  | Verified |
| 2719 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2719 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2719 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2701 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2437 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2437 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2437 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2437 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 19.8 | 17.46 | Verified |
| 1892 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1892 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1892 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.55 |  | Verified |
| 2405 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2405 | XX | XX | XX | Original CLTV | 90 |  | Verified |
| 2405 | XX | XX | XX | Original LTV | 90 |  | Verified |
| 2405 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2405 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 18.01 |  | Verified |
| 2634 | XX | XX | XX | City | XX | XX | Verified |
| 2634 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2634 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2573 | XX | XX | XX | Street | XX | XX | Verified |
| 2573 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2573 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2573 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2491 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 2739 | XX | XX | XX | Zip | XX | XX | Verified |
| 2739 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2739 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 54.16 | 47.598 | Verified |
| 2174 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2085 | XX | XX | XX | Original LTV | 60 | 76.94 | Verified |
| 2085 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2066 | XX | XX | XX | Street | XX | XX | Verified |
| 2066 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2069 | XX | XX | XX | Street | XX | XX | Verified |
| 2069 | XX | XX | XX | Original CLTV | 83 |  | Verified |
| 2069 | XX | XX | XX | Original LTV | 83 |  | Verified |
| 2069 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2069 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 26.85 |  | Verified |
| 2494 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2494 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 34.46 |  | Verified |
| 2319 | XX | XX | XX | Street | XX | XX | Verified |
| 2319 | XX | XX | XX | Original CLTV | 92 |  | Verified |
| 2319 | XX | XX | XX | Original LTV | 92 |  | Verified |
| 2319 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2319 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 55.48 |  | Verified |
| 2255 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2255 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 55 |  | Verified |
| 2275 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2779 | XX | XX | XX | City | XX | XX | Verified |
| 2779 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2705 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2705 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 34.9 |  | Verified |
| 2784 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2784 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 27.97 |  | Verified |
| 1927 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 1927 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 1927 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 1927 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 1927 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 31.31 |  | Verified |
| 2184 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2184 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 2184 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2184 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 58.28 |  | Verified |
| 2687 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2687 | XX | XX | XX | Original CLTV | 83 | 99.83 | Verified |
| 2687 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2687 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.44 |  | Verified |
| 2258 | XX | XX | XX | Street | XX | XX | Verified |
| 2258 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2258 | XX | XX | XX | Original CLTV | 95 |  | Verified |
| 2258 | XX | XX | XX | Original LTV | 95 |  | Verified |
| 2258 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2195 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2195 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2195 | XX | XX | XX | Original CLTV |  | 90 | Verified |
| 2195 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2195 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 39.03 |  | Verified |
| 2530 | XX | XX | XX | Original CLTV |  | 82.13 | Verified |
| 2530 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2530 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 34.31 |  | Verified |
| 2746 | XX | XX | XX | Zip | XX | XX | Verified |
| 2746 | XX | XX | XX | Original CLTV |  | 91.16 | Verified |
| 2746 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2746 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 20.81 |  | Verified |
| 2662 | XX | XX | XX | Street | XX | XX | Verified |
| 2662 | XX | XX | XX | Original CLTV |  | 87.06 | Verified |
| 2662 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2115 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2115 | XX | XX | XX | Original CLTV |  | 94.95 | Verified |
| 2115 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2115 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 34.17 |  | Verified |
| 2371 | XX | XX | XX | Original LTV | 95 |  | Verified |
| 2371 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2371 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 37.58 |  | Verified |
| 2486 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 2486 | XX | XX | XX | Original CLTV |  | 75 | Verified |
| 2443 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 2443 | XX | XX | XX | Original LTV | 89 |  | Verified |
| 2443 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2443 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.45 |  | Verified |
| 2019 | XX | XX | XX | City | XX | XX | Verified |
| 2019 | XX | XX | XX | Original CLTV |  | 73.09 | Verified |
| 2019 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 2707 | XX | XX | XX | Street | XX | XX | Verified |
| 2707 | XX | XX | XX | Original LTV | 90 |  | Verified |
| 2707 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 2707 | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 38.1 |  | Verified |
| 454 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 523 | XX | XX | XX | Doc Type | Alt | Full | Verified |
| 523 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 523 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 942 | XX | XX | XX | Street | XX | XX | Verified |
| 942 | XX | XX | XX | Original P&I | 443.66 | 443.65 | Verified |
| 942 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 942 | XX | XX | XX | Interest Rate Life Min | 3 | 3.875 | Verified |
| 436 | XX | XX | XX | Original P&I | 283.00 | 282.76 | Verified |
| 436 | XX | XX | XX | Representative FICO | 631 | 636 | Verified |
| 436 | XX | XX | XX | Margin | 0 |  | Verified |
| 436 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 436 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 436 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 436 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 437 | XX | XX | XX | Amortization Term | 507 | 360 | Verified |
| 437 | XX | XX | XX | Original P&I | 1079.00 | 1079.20 | Verified |
| 437 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 437 | XX | XX | XX | Margin | 1 |  | Verified |
| 437 | XX | XX | XX | Next Interest Rate Change Date | 2049-03-01 |  | Verified |
| 437 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 437 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 437 | XX | XX | XX | Interest Rate Life Max | 6 |  | Verified |
| 437 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 437 | XX | XX | XX | Original Interest Rate Period | 27 |  | Verified |
| 437 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 437 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 438 | XX | XX | XX | Original P&I | 1028.00 | 1027.70 | Verified |
| 438 | XX | XX | XX | Margin | 0 |  | Verified |
| 438 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 438 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 438 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 438 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 439 | XX | XX | XX | Original P&I | 2734.00 | 2734.40 | Verified |
| 439 | XX | XX | XX | Margin | 0 |  | Verified |
| 439 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 439 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 439 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 439 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 440 | XX | XX | XX | Zip | XX | XX | Verified |
| 440 | XX | XX | XX | Original P&I | 1343.00 | 1343.38 | Verified |
| 440 | XX | XX | XX | Margin | 0 |  | Verified |
| 440 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 440 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 440 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 440 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 441 | XX | XX | XX | Margin | 0 |  | Verified |
| 441 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 441 | XX | XX | XX | Original CLTV | 94.32 | 74.32 | Verified |
| 441 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 441 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 441 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 442 | XX | XX | XX | Original Term | 360 | 324 | Verified |
| 442 | XX | XX | XX | Margin | 1 |  | Verified |
| 442 | XX | XX | XX | Next Interest Rate Change Date | 2053-01-01 |  | Verified |
| 442 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 442 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 442 | XX | XX | XX | Interest Rate Life Max | 4.625 |  | Verified |
| 442 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 442 | XX | XX | XX | Original Interest Rate Period | 24 |  | Verified |
| 442 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 442 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 442 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 443 | XX | XX | XX | Original P&I | 3260.00 | 3259.99 | Verified |
| 443 | XX | XX | XX | Margin | 1 |  | Verified |
| 443 | XX | XX | XX | Next Interest Rate Change Date | 2038-06-01 |  | Verified |
| 443 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 443 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 443 | XX | XX | XX | Interest Rate Life Max | 7.375 |  | Verified |
| 443 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 443 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 443 | XX | XX | XX | Original Interest Rate Period | 56 |  | Verified |
| 443 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 443 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 443 | XX | XX | XX | PMI Coverage % | 0 | 12 | Verified |
| 444 | XX | XX | XX | Amortization Term | 435 | 360 | Verified |
| 444 | XX | XX | XX | Original P&I | 2953.00 | 2953.47 | Verified |
| 444 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 444 | XX | XX | XX | Margin | 1 |  | Verified |
| 444 | XX | XX | XX | Next Interest Rate Change Date | 2042-02-01 |  | Verified |
| 444 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 444 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 444 | XX | XX | XX | Interest Rate Life Max | 5.25 |  | Verified |
| 444 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 444 | XX | XX | XX | Original Interest Rate Period | 87 |  | Verified |
| 444 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 444 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 445 | XX | XX | XX | Original P&I | 2046.00 | 2046.30 | Verified |
| 445 | XX | XX | XX | Margin | 0 |  | Verified |
| 445 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 445 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 445 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 445 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 446 | XX | XX | XX | Original P&I | 2501.00 | 2501.36 | Verified |
| 446 | XX | XX | XX | Margin | 0 |  | Verified |
| 446 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 446 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 446 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 446 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 447 | XX | XX | XX | Margin | 1 |  | Verified |
| 447 | XX | XX | XX | Next Interest Rate Change Date | 2037-10-01 |  | Verified |
| 447 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 447 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 447 | XX | XX | XX | Interest Rate Life Max | 6.75 |  | Verified |
| 447 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 447 | XX | XX | XX | Original CLTV | 90 | 82.89 | Verified |
| 447 | XX | XX | XX | Original LTV | 80 | 73.68 | Verified |
| 447 | XX | XX | XX | Original Interest Rate Period | 63 |  | Verified |
| 447 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 447 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 447 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 447 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 448 | XX | XX | XX | Margin | 1 |  | Verified |
| 448 | XX | XX | XX | Next Interest Rate Change Date | 2046-11-01 |  | Verified |
| 448 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 448 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 448 | XX | XX | XX | Interest Rate Life Max | 6.5 |  | Verified |
| 448 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 448 | XX | XX | XX | Original Interest Rate Period | 33 |  | Verified |
| 448 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 449 | XX | XX | XX | Original P&I | 932.00 | 931.68 | Verified |
| 449 | XX | XX | XX | Margin | 0 |  | Verified |
| 449 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 449 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 449 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 449 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 450 | XX | XX | XX | Original P&I | 969.00 | 969.14 | Verified |
| 450 | XX | XX | XX | Margin | 1 |  | Verified |
| 450 | XX | XX | XX | Next Interest Rate Change Date | 2045-07-01 |  | Verified |
| 450 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 450 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 450 | XX | XX | XX | Interest Rate Life Max | 8.25 |  | Verified |
| 450 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 450 | XX | XX | XX | Original Interest Rate Period | 32 |  | Verified |
| 450 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 450 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 450 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 451 | XX | XX | XX | Original P&I | 578.00 | 578.33 | Verified |
| 451 | XX | XX | XX | Margin | 0 |  | Verified |
| 451 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 451 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 451 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 451 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 452 | XX | XX | XX | Original P&I | 948.00 | 948.11 | Verified |
| 452 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 452 | XX | XX | XX | Margin | 0 |  | Verified |
| 452 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 452 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 452 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 452 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 453 | XX | XX | XX | Zip | XX | XX | Verified |
| 453 | XX | XX | XX | Original P&I | 1183.00 | 1183.08 | Verified |
| 453 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 453 | XX | XX | XX | Margin | 0 |  | Verified |
| 453 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 453 | XX | XX | XX | Original CLTV | 105 | 100 | Verified |
| 453 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 453 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 453 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 455 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 455 | XX | XX | XX | Margin | 1 |  | Verified |
| 455 | XX | XX | XX | Next Interest Rate Change Date | 2056-10-01 |  | Verified |
| 455 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 455 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 455 | XX | XX | XX | Interest Rate Life Max | 5.75 |  | Verified |
| 455 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 455 | XX | XX | XX | Original Interest Rate Period | 39 |  | Verified |
| 455 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 455 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 455 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 456 | XX | XX | XX | Margin | 0 |  | Verified |
| 456 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 456 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 456 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 456 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 457 | XX | XX | XX | Doc Type | FastEasy | Reduced | Verified |
| 457 | XX | XX | XX | Margin | 0 | 2.25 | Verified |
| 457 | XX | XX | XX | Next Interest Rate Change Date | 2013-08-01 | 2018-08-01 | Verified |
| 457 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 457 | XX | XX | XX | Interest Rate Periodic Cap | 0 | 2 | Verified |
| 457 | XX | XX | XX | Original Interest Rate Period | 0 | 60 | Verified |
| 457 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 457 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 457 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 458 | XX | XX | XX | Margin | 1 |  | Verified |
| 458 | XX | XX | XX | Next Interest Rate Change Date | 2057-10-01 |  | Verified |
| 458 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 458 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 458 | XX | XX | XX | Interest Rate Life Max | 7.25 |  | Verified |
| 458 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 458 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 458 | XX | XX | XX | Original Interest Rate Period | 104 |  | Verified |
| 458 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 458 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 458 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 459 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 459 | XX | XX | XX | Amortization Term |  | 300 | Verified |
| 459 | XX | XX | XX | Original P&I | 0.00 | 833.00 | Verified |
| 459 | XX | XX | XX | Representative FICO | 736 |  | Verified |
| 459 | XX | XX | XX | Occupancy | Primary | UTD | Verified |
| 459 | XX | XX | XX | Doc Type |  | Reduced | Verified |
| 459 | XX | XX | XX | Next Interest Rate Change Date | 2017-09-01 | 2017-09-19 | Verified |
| 459 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 459 | XX | XX | XX | Interest Rate Life Min | 0 | 7.49 | Verified |
| 459 | XX | XX | XX | Interest Rate Life Max | 18 | 24 | Verified |
| 459 | XX | XX | XX | Original CLTV | 37.6 |  | Verified |
| 459 | XX | XX | XX | Original LTV | 37 |  | Verified |
| 459 | XX | XX | XX | Original Interest Rate Period | 0 | 1 | Verified |
| 459 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 459 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 459 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 460 | XX | XX | XX | Doc Type | FastEasy | Full | Verified |
| 460 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 460 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 460 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 461 | XX | XX | XX | Representative FICO | 697 |  | Verified |
| 461 | XX | XX | XX | Doc Type | PaperSavr | UTD | Verified |
| 461 | XX | XX | XX | Margin | 0 |  | Verified |
| 461 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 461 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 461 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 461 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 461 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 462 | XX | XX | XX | Doc Type | Alt | Full | Verified |
| 462 | XX | XX | XX | Margin | 0 |  | Verified |
| 462 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 462 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 462 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 462 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 462 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 463 | XX | XX | XX | Original P&I | 526.00 | 526.47 | Verified |
| 463 | XX | XX | XX | Representative FICO | 729 |  | Verified |
| 463 | XX | XX | XX | Margin | 0 |  | Verified |
| 463 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 463 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 463 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 463 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 464 | XX | XX | XX | Margin | 0 |  | Verified |
| 464 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 464 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 464 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 464 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 464 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 465 | XX | XX | XX | Representative FICO | 511 |  | Verified |
| 465 | XX | XX | XX | Property Type | Single Family | PUD Attached | Verified |
| 465 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 465 | XX | XX | XX | Margin | 1 | 2 | Verified |
| 465 | XX | XX | XX | Next Interest Rate Change Date | 2055-04-01 | 2018-04-01 | Verified |
| 465 | XX | XX | XX | Interest Rate Life Min | 1 | 2 | Verified |
| 465 | XX | XX | XX | Interest Rate Periodic Cap | 1 | 2 | Verified |
| 465 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 465 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 466 | XX | XX | XX | Margin | 0 |  | Verified |
| 466 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 466 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 466 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 466 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 466 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 467 | XX | XX | XX | Original Term | 360 | 480 | Verified |
| 467 | XX | XX | XX | Margin | 1 |  | Verified |
| 467 | XX | XX | XX | Next Interest Rate Change Date | 2049-11-01 |  | Verified |
| 467 | XX | XX | XX | Interest Rate Change Frequency | 483 |  | Verified |
| 467 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 467 | XX | XX | XX | Interest Rate Life Max | 7.5 |  | Verified |
| 467 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 467 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 467 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 467 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 467 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 468 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 468 | XX | XX | XX | Margin | 0 | 2.25 | Verified |
| 468 | XX | XX | XX | Next Interest Rate Change Date | 2014-07-01 | 2018-07-01 | Verified |
| 468 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 468 | XX | XX | XX | Interest Rate Periodic Cap | 0 | 2 | Verified |
| 468 | XX | XX | XX | Original Interest Rate Period | 0 | 60 | Verified |
| 468 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 468 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 469 | XX | XX | XX | Margin | 0 |  | Verified |
| 469 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 469 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 469 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 469 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 469 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 470 | XX | XX | XX | Original P&I | 1847.00 | 1846.66 | Verified |
| 470 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 470 | XX | XX | XX | Margin | 1 |  | Verified |
| 470 | XX | XX | XX | Next Interest Rate Change Date | 2037-08-01 |  | Verified |
| 470 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 470 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 470 | XX | XX | XX | Interest Rate Life Max | 6.375 |  | Verified |
| 470 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 470 | XX | XX | XX | Original Interest Rate Period | 50 |  | Verified |
| 470 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 470 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 471 | XX | XX | XX | Original P&I | 3567.21 | 2875.00 | Verified |
| 471 | XX | XX | XX | Representative FICO | 703 | 714 | Verified |
| 471 | XX | XX | XX | Margin | 1 |  | Verified |
| 471 | XX | XX | XX | Next Interest Rate Change Date | 2051-06-01 |  | Verified |
| 471 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 471 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 471 | XX | XX | XX | Interest Rate Life Max | 6 |  | Verified |
| 471 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 471 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 471 | XX | XX | XX | Original CLTV | 101.57 | 82.14 | Verified |
| 471 | XX | XX | XX | Original Interest Rate Period | 63 |  | Verified |
| 471 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 471 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 472 | XX | XX | XX | Doc Type | Alt | Full | Verified |
| 472 | XX | XX | XX | Margin | 0 |  | Verified |
| 472 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 472 | XX | XX | XX | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified |
| 472 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 472 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 472 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 472 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 473 | XX | XX | XX | Original Term | 360 | 480 | Verified |
| 473 | XX | XX | XX | Property Type | PUD | PUD Attached | Verified |
| 473 | XX | XX | XX | Margin | 0 | 2.25 | Verified |
| 473 | XX | XX | XX | Next Interest Rate Change Date | 2014-08-01 | 2018-08-01 | Verified |
| 473 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 473 | XX | XX | XX | Interest Rate Periodic Cap | 0 | 2 | Verified |
| 473 | XX | XX | XX | Original CLTV | 100 | 80 | Verified |
| 473 | XX | XX | XX | Original Interest Rate Period | 0 | 84 | Verified |
| 473 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 473 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 474 | XX | XX | XX | Margin | 0 |  | Verified |
| 474 | XX | XX | XX | Next Interest Rate Change Date | 2049-11-01 |  | Verified |
| 474 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 474 | XX | XX | XX | Interest Rate Life Max | 5.5 |  | Verified |
| 474 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 474 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 474 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 474 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 474 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 475 | XX | XX | XX | Original P&I | 2146.00 | 2146.12 | Verified |
| 475 | XX | XX | XX | Margin | 0 |  | Verified |
| 475 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 475 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 475 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 475 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 476 | XX | XX | XX | Original P&I | 1036.00 | 1035.61 | Verified |
| 476 | XX | XX | XX | Representative FICO | 660 |  | Verified |
| 476 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 476 | XX | XX | XX | Margin | 0 |  | Verified |
| 476 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 476 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 476 | XX | XX | XX | Original CLTV | 100 |  | Verified |
| 476 | XX | XX | XX | Original LTV | 100 |  | Verified |
| 476 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 476 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 476 | XX | XX | XX | PMI Company | XX |  | Verified |
| 476 | XX | XX | XX | PMI Coverage % | 33 |  | Verified |
| 476 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 477 | XX | XX | XX | Margin | 0 |  | Verified |
| 477 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 477 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 477 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 477 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 477 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 477 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 478 | XX | XX | XX | Street | XX | XX | Verified |
| 478 | XX | XX | XX | Property Type | Single Family | PUD Attached | Verified |
| 478 | XX | XX | XX | Margin | 0 |  | Verified |
| 478 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 478 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 478 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 478 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 479 | XX | XX | XX | Margin | 0 |  | Verified |
| 479 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 479 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 479 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 479 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 480 | XX | XX | XX | Representative FICO | 539 |  | Verified |
| 480 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 480 | XX | XX | XX | Margin | 0 | 6.25 | Verified |
| 480 | XX | XX | XX | Next Interest Rate Change Date | 2014-03-01 | 2017-09-01 | Verified |
| 480 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 480 | XX | XX | XX | Interest Rate Periodic Cap | 0 | 1.5 | Verified |
| 480 | XX | XX | XX | Refi Purpose | Cash-out | UTD | Verified |
| 480 | XX | XX | XX | Original CLTV | 71.11 |  | Verified |
| 480 | XX | XX | XX | Original LTV | 71.11 |  | Verified |
| 480 | XX | XX | XX | Original Interest Rate Period | 0 | 24 | Verified |
| 480 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 480 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 480 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 481 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 482 | XX | XX | XX | Representative FICO | 595 | 596 | Verified |
| 482 | XX | XX | XX | Margin | 1 |  | Verified |
| 482 | XX | XX | XX | Next Interest Rate Change Date | 2054-01-01 |  | Verified |
| 482 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 482 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 482 | XX | XX | XX | Interest Rate Life Max | 6.375 |  | Verified |
| 482 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 482 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 482 | XX | XX | XX | Original Interest Rate Period | 75 |  | Verified |
| 482 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 482 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 482 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 483 | XX | XX | XX | Original P&I | 746.00 | 746.33 | Verified |
| 483 | XX | XX | XX | Margin | 1 |  | Verified |
| 483 | XX | XX | XX | Next Interest Rate Change Date | 2037-11-01 |  | Verified |
| 483 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 483 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 483 | XX | XX | XX | Interest Rate Life Max | 6.125 |  | Verified |
| 483 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 483 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 483 | XX | XX | XX | Original Interest Rate Period | 1 |  | Verified |
| 483 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 483 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 483 | XX | XX | XX | PMI Coverage % | 0 | 30 | Verified |
| 484 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 484 | XX | XX | XX | Next Interest Rate Change Date | 2017-09-01 | 2017-09-04 | Verified |
| 484 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 484 | XX | XX | XX | Interest Rate Life Min | 0 | 4 | Verified |
| 484 | XX | XX | XX | Original Interest Rate Period | 0 | 1 | Verified |
| 484 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 484 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 485 | XX | XX | XX | Original P&I | 669.00 | 669.47 | Verified |
| 485 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 485 | XX | XX | XX | Margin | 1 |  | Verified |
| 485 | XX | XX | XX | Next Interest Rate Change Date | 2050-03-01 |  | Verified |
| 485 | XX | XX | XX | Interest Rate Change Frequency | 483 |  | Verified |
| 485 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 485 | XX | XX | XX | Interest Rate Life Max | 5.375 |  | Verified |
| 485 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 485 | XX | XX | XX | Original Interest Rate Period | 1 |  | Verified |
| 485 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 485 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 486 | XX | XX | XX | Original Term | 360 | 480 | Verified |
| 486 | XX | XX | XX | Original P&I | 792.00 | 791.53 | Verified |
| 486 | XX | XX | XX | Margin | 0 |  | Verified |
| 486 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 486 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 486 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 486 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 487 | XX | XX | XX | Note Date | XX | XX | Verified |
| 487 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 487 | XX | XX | XX | Original Term | 360 | 300 | Verified |
| 487 | XX | XX | XX | Amortization Term | 302 | 300 | Verified |
| 487 | XX | XX | XX | Representative FICO | 499 |  | Verified |
| 487 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 487 | XX | XX | XX | Margin | 1 |  | Verified |
| 487 | XX | XX | XX | Next Interest Rate Change Date | 2050-03-01 |  | Verified |
| 487 | XX | XX | XX | Interest Rate Change Frequency | 579 |  | Verified |
| 487 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 487 | XX | XX | XX | Interest Rate Life Max | 4.5 |  | Verified |
| 487 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 487 | XX | XX | XX | Original CLTV | 100.97 | 81.36 | Verified |
| 487 | XX | XX | XX | Original Interest Rate Period | 1 |  | Verified |
| 487 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 487 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 488 | XX | XX | XX | Margin | 0 |  | Verified |
| 488 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 488 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 488 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 488 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 490 | XX | XX | XX | Original P&I | 534.00 | 534.15 | Verified |
| 490 | XX | XX | XX | Property Type | Single Family | Manufactured Housing | Verified |
| 490 | XX | XX | XX | Margin | 0 |  | Verified |
| 490 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 490 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 490 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 490 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 491 | XX | XX | XX | Zip | XX | XX | Verified |
| 491 | XX | XX | XX | Original P&I | 1117.00 | 1117.19 | Verified |
| 491 | XX | XX | XX | Margin | 1 |  | Verified |
| 491 | XX | XX | XX | Next Interest Rate Change Date | 2051-04-01 |  | Verified |
| 491 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 491 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 491 | XX | XX | XX | Interest Rate Life Max | 6.375 |  | Verified |
| 491 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 491 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 491 | XX | XX | XX | Original Interest Rate Period | 48 |  | Verified |
| 491 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 491 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 491 | XX | XX | XX | PMI Coverage % | 0 | 25 | Verified |
| 492 | XX | XX | XX | Original P&I | 1078.00 | 1077.55 | Verified |
| 492 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 492 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 492 | XX | XX | XX | Margin | 0 |  | Verified |
| 492 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 492 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 492 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 492 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 493 | XX | XX | XX | Margin | 2.38 | 2.375 | Verified |
| 493 | XX | XX | XX | Original CLTV | 80 | 100 | Verified |
| 493 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 493 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 493 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 494 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 494 | XX | XX | XX | Margin | 0 |  | Verified |
| 494 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 494 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 494 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 494 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 494 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 495 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 495 | XX | XX | XX | Margin | 0 | 6.5 | Verified |
| 495 | XX | XX | XX | Next Interest Rate Change Date | 2012-01-25 | 2018-01-25 | Verified |
| 495 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 495 | XX | XX | XX | Interest Rate Periodic Cap | 0 | 1.5 | Verified |
| 495 | XX | XX | XX | Original Interest Rate Period | 0 | 36 | Verified |
| 495 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 495 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 495 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 496 | XX | XX | XX | Doc Type | Reduced | Stated | Verified |
| 496 | XX | XX | XX | Margin | 1 |  | Verified |
| 496 | XX | XX | XX | Next Interest Rate Change Date | 2050-06-01 |  | Verified |
| 496 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 496 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 496 | XX | XX | XX | Interest Rate Life Max | 7.25 |  | Verified |
| 496 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 496 | XX | XX | XX | Original Interest Rate Period | 33 |  | Verified |
| 496 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 496 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 496 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 497 | XX | XX | XX | Margin | 0 |  | Verified |
| 497 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 497 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 497 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 497 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 498 | XX | XX | XX | Amortization Term | 363 | 360 | Verified |
| 498 | XX | XX | XX | Original P&I | 772.00 | 772.43 | Verified |
| 498 | XX | XX | XX | Representative FICO | 535 |  | Verified |
| 498 | XX | XX | XX | Property Type | PUD | PUD Attached | Verified |
| 498 | XX | XX | XX | Margin | 0 |  | Verified |
| 498 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 498 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 498 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 498 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 499 | XX | XX | XX | Original P&I | 295.00 | 295.34 | Verified |
| 499 | XX | XX | XX | Margin | 0 |  | Verified |
| 499 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 499 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 499 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 499 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 500 | XX | XX | XX | Original P&I | 725.00 | 725.33 | Verified |
| 500 | XX | XX | XX | Margin | 0 |  | Verified |
| 500 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 500 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 500 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 500 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 501 | XX | XX | XX | Original P&I | 6157.00 | 6157.18 | Verified |
| 501 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 502 | XX | XX | XX | Zip | XX | XX | Verified |
| 502 | XX | XX | XX | Original Term | 360 | 480 | Verified |
| 502 | XX | XX | XX | Original P&I | 454.00 | 453.58 | Verified |
| 502 | XX | XX | XX | Property Type | Single Family | Manufactured Housing | Verified |
| 502 | XX | XX | XX | Margin | 0 |  | Verified |
| 502 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 502 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 502 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 502 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 503 | XX | XX | XX | Original P&I | 629.00 | 628.71 | Verified |
| 503 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 504 | XX | XX | XX | Representative FICO | 0 |  | Verified |
| 504 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 504 | XX | XX | XX | Margin | 0 |  | Verified |
| 504 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 504 | XX | XX | XX | Original CLTV | 99.21 | 97.74 | Verified |
| 504 | XX | XX | XX | Original LTV | 99.21 | 97.74 | Verified |
| 504 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 504 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 504 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 504 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 505 | XX | XX | XX | Doc Type | FastEasy | Reduced | Verified |
| 505 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 505 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 505 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 506 | XX | XX | XX | Representative FICO | 622 | 656 | Verified |
| 506 | XX | XX | XX | Margin | 0 |  | Verified |
| 506 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 506 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 506 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 506 | XX | XX | XX | PMI Company | XX |  | Verified |
| 506 | XX | XX | XX | PMI Coverage % | 35 |  | Verified |
| 506 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 507 | XX | XX | XX | Margin | 1.88 | 1.875 | Verified |
| 507 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 508 | XX | XX | XX | Amortization Term | 571 | 360 | Verified |
| 508 | XX | XX | XX | Original P&I | 770.11 | 895.46 | Verified |
| 508 | XX | XX | XX | Doc Type |  | Full | Verified |
| 508 | XX | XX | XX | Margin | 1 |  | Verified |
| 508 | XX | XX | XX | Next Interest Rate Change Date | 2049-10-01 |  | Verified |
| 508 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 508 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 508 | XX | XX | XX | Interest Rate Life Max | 7.875 |  | Verified |
| 508 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 508 | XX | XX | XX | Original Interest Rate Period | 91 |  | Verified |
| 508 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 508 | XX | XX | XX | PMI Coverage % | 0 | 30 | Verified |
| 509 | XX | XX | XX | Amortization Term | 84 | 360 | Verified |
| 509 | XX | XX | XX | Margin | 0 |  | Verified |
| 509 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 509 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 509 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 509 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 509 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 509 | XX | XX | XX | PMI Coverage % | 0 | 25 | Verified |
| 509 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 510 | XX | XX | XX | Margin | 0 |  | Verified |
| 510 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 510 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 510 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 510 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 511 | XX | XX | XX | Original P&I | 1061.00 | 1060.95 | Verified |
| 511 | XX | XX | XX | Representative FICO | 578 | 581 | Verified |
| 511 | XX | XX | XX | Margin | 0 |  | Verified |
| 511 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 511 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 511 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 512 | XX | XX | XX | Original Term | 300 | 360 | Verified |
| 512 | XX | XX | XX | Representative FICO | 669 |  | Verified |
| 512 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 512 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 512 | XX | XX | XX | Margin | 0 |  | Verified |
| 512 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 512 | XX | XX | XX | Refi Purpose |  | Cash-out - Other | Verified |
| 512 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 512 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 512 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 513 | XX | XX | XX | Original P&I | 6270.97 | 8198.67 | Verified |
| 513 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 513 | XX | XX | XX | Margin | 1 | 2.25 | Verified |
| 513 | XX | XX | XX | Next Interest Rate Change Date | 2053-10-01 | 2018-04-01 | Verified |
| 513 | XX | XX | XX | Interest Rate Life Min | 1 | 2.25 | Verified |
| 513 | XX | XX | XX | Interest Rate Life Max | 3.75 | 10.73 | Verified |
| 513 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 513 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 513 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 514 | XX | XX | XX | Original Term | 300 | 360 | Verified |
| 514 | XX | XX | XX | Representative FICO | 771 |  | Verified |
| 514 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 514 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 514 | XX | XX | XX | Margin | 0 |  | Verified |
| 514 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 514 | XX | XX | XX | Refi Purpose |  | Cash-out - Other | Verified |
| 514 | XX | XX | XX | Original CLTV | 0 | 85.4 | Verified |
| 514 | XX | XX | XX | Original LTV | 0 | 85.4 | Verified |
| 514 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 514 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 514 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 514 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 515 | XX | XX | XX | Doc Type | FastEasy | Reduced | Verified |
| 515 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 515 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 515 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 516 | XX | XX | XX | Original P&I | 1084.00 | 1083.94 | Verified |
| 517 | XX | XX | XX | Representative FICO | 663 | 667 | Verified |
| 517 | XX | XX | XX | Margin | 0 |  | Verified |
| 517 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 517 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 517 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 517 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 517 | XX | XX | XX | PMI Coverage % | 0 | 17 | Verified |
| 517 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 518 | XX | XX | XX | Original P&I | 559.00 | 559.39 | Verified |
| 518 | XX | XX | XX | Margin | 0 |  | Verified |
| 518 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 518 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 518 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 518 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 519 | XX | XX | XX | Amortization Term | 359 | 360 | Verified |
| 519 | XX | XX | XX | Original P&I | 1437.00 | 1436.61 | Verified |
| 519 | XX | XX | XX | Margin | 0 |  | Verified |
| 519 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 519 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 519 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 519 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 520 | XX | XX | XX | Margin | 0 |  | Verified |
| 520 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 520 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 520 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 520 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 520 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 521 | XX | XX | XX | Amortization Term | 360 | 600 | Verified |
| 521 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 521 | XX | XX | XX | Margin | 1 | 5.9 | Verified |
| 521 | XX | XX | XX | Next Interest Rate Change Date | 2051-08-01 | 2018-01-01 | Verified |
| 521 | XX | XX | XX | Interest Rate Change Frequency | 12 | 6 | Verified |
| 521 | XX | XX | XX | Interest Rate Life Min | 1 | 9.4 | Verified |
| 521 | XX | XX | XX | Interest Rate Life Max | 16.4 | 15.4 | Verified |
| 521 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 521 | XX | XX | XX | Original Interest Rate Period | 46 | 36 | Verified |
| 521 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 521 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 521 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 522 | XX | XX | XX | Representative FICO | 505 | 755 | Verified |
| 522 | XX | XX | XX | Doc Type |  | Stated | Verified |
| 522 | XX | XX | XX | Margin | 1 |  | Verified |
| 522 | XX | XX | XX | Next Interest Rate Change Date | 2045-11-01 |  | Verified |
| 522 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 522 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 522 | XX | XX | XX | Interest Rate Life Max | 4.875 |  | Verified |
| 522 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 522 | XX | XX | XX | Original CLTV | 47.96 | 44.6 | Verified |
| 522 | XX | XX | XX | Original LTV | 47.96 | 44.6 | Verified |
| 522 | XX | XX | XX | Original Interest Rate Period | 163 |  | Verified |
| 522 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 522 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 522 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 524 | XX | XX | XX | Representative FICO | 519 | 580 | Verified |
| 524 | XX | XX | XX | Doc Type |  | Full | Verified |
| 524 | XX | XX | XX | Margin | 0 |  | Verified |
| 524 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 524 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 524 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 525 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 525 | XX | XX | XX | Doc Type | Reduced | Full | Verified |
| 525 | XX | XX | XX | Index Type | US Treasury - 1 Year CMT (Monthly) | MTA - 12 Month | Verified |
| 525 | XX | XX | XX | Margin | 0 | 4.075 | Verified |
| 525 | XX | XX | XX | Next Interest Rate Change Date | 2009-08-01 | 2017-09-01 | Verified |
| 525 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 525 | XX | XX | XX | Original Interest Rate Period | 0 | 1 | Verified |
| 525 | XX | XX | XX | Payment Adjustment Cap % | 0 | 7.5 | Verified |
| 525 | XX | XX | XX | PMI Company | XX |  | Verified |
| 525 | XX | XX | XX | PMI Coverage % | 25 |  | Verified |
| 525 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 526 | XX | XX | XX | Margin | 0 |  | Verified |
| 526 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 526 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 526 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 526 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 527 | XX | XX | XX | Original P&I | 942.00 | 941.73 | Verified |
| 527 | XX | XX | XX | Representative FICO | 721 |  | Verified |
| 527 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 527 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 527 | XX | XX | XX | PMI Coverage % | 33 |  | Verified |
| 528 | XX | XX | XX | Original P&I | 902.00 | 901.55 | Verified |
| 528 | XX | XX | XX | Margin | 1 |  | Verified |
| 528 | XX | XX | XX | Next Interest Rate Change Date | 2036-08-01 |  | Verified |
| 528 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 528 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 528 | XX | XX | XX | Interest Rate Life Max | 6.75 |  | Verified |
| 528 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 528 | XX | XX | XX | Refi Purpose | Cash-out | Rate/Term | Verified |
| 528 | XX | XX | XX | Original Interest Rate Period | 59 |  | Verified |
| 528 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 528 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 529 | XX | XX | XX | Doc Type | Alt | Full | Verified |
| 529 | XX | XX | XX | Margin | 0 |  | Verified |
| 529 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 529 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 529 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 529 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 529 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 530 | XX | XX | XX | Margin | 0 |  | Verified |
| 530 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 530 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 530 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 530 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 530 | XX | XX | XX | MERS Min Number | XX |  | Verified |
| 531 | XX | XX | XX | Original P&I | 931.83 | 1091.10 | Verified |
| 531 | XX | XX | XX | Margin | 0 |  | Verified |
| 531 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 531 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 531 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 531 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 532 | XX | XX | XX | Margin | 0 |  | Verified |
| 532 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 532 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 532 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 532 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 532 | XX | XX | XX | PMI Coverage % | 20 |  | Verified |
| 532 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 533 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 533 | XX | XX | XX | Amortization Term | 120 | 300 | Verified |
| 533 | XX | XX | XX | Original P&I | 0.00 |  | Verified |
| 533 | XX | XX | XX | Representative FICO | 691 |  | Verified |
| 533 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 533 | XX | XX | XX | Index Type | Prime |  | Verified |
| 533 | XX | XX | XX | Margin | 0.74 |  | Verified |
| 533 | XX | XX | XX | Next Interest Rate Change Date | 2017-09-01 |  | Verified |
| 533 | XX | XX | XX | Interest Rate Life Min | 0.74 |  | Verified |
| 533 | XX | XX | XX | Interest Rate Life Max | 18 |  | Verified |
| 533 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 533 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 533 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 533 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 533 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 533 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 533 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 534 | XX | XX | XX | Original P&I | 709.00 | 708.88 | Verified |
| 534 | XX | XX | XX | Representative FICO | 687 | 721 | Verified |
| 534 | XX | XX | XX | Margin | 0 |  | Verified |
| 534 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 534 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 534 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 534 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 535 | XX | XX | XX | Original P&I | 577.00 | 577.08 | Verified |
| 535 | XX | XX | XX | Representative FICO | 744 |  | Verified |
| 535 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 535 | XX | XX | XX | Margin | 0 |  | Verified |
| 535 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 535 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 535 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 535 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 536 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 536 | XX | XX | XX | Amortization Term |  | 300 | Verified |
| 536 | XX | XX | XX | Original P&I | 0.00 | 696.00 | Verified |
| 536 | XX | XX | XX | Representative FICO | 691 |  | Verified |
| 536 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 536 | XX | XX | XX | Occupancy | Investment | UTD | Verified |
| 536 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 536 | XX | XX | XX | Next Interest Rate Change Date | 2017-09-01 | 2017-09-16 | Verified |
| 536 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 536 | XX | XX | XX | Interest Rate Life Max | 8.44 | 24 | Verified |
| 536 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 536 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 536 | XX | XX | XX | Original Interest Rate Period | 0 | 1 | Verified |
| 536 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 536 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 536 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 537 | XX | XX | XX | Representative FICO | 534 |  | Verified |
| 537 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 537 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 537 | XX | XX | XX | Original CLTV | 94.98 |  | Verified |
| 537 | XX | XX | XX | Original LTV | 94.98 |  | Verified |
| 537 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 537 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 537 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 538 | XX | XX | XX | Original P&I | 463.00 | 463.10 | Verified |
| 538 | XX | XX | XX | Representative FICO | 608 |  | Verified |
| 538 | XX | XX | XX | Occupancy | Primary | UTD | Verified |
| 538 | XX | XX | XX | Margin | 0 |  | Verified |
| 538 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 538 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 538 | XX | XX | XX | Original CLTV | 101.83 |  | Verified |
| 538 | XX | XX | XX | Original LTV | 88.92 |  | Verified |
| 538 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 538 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 538 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 538 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 539 | XX | XX | XX | Representative FICO | 669 |  | Verified |
| 539 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 539 | XX | XX | XX | Margin | 0 |  | Verified |
| 539 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 539 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 539 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 539 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 540 | XX | XX | XX | Original P&I | 284.00 | 284.35 | Verified |
| 540 | XX | XX | XX | Margin | 0 |  | Verified |
| 540 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 540 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 540 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 540 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 541 | XX | XX | XX | Original P&I | 204.00 | 204.26 | Verified |
| 541 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 541 | XX | XX | XX | Margin | 0 |  | Verified |
| 541 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 541 | XX | XX | XX | Original CLTV | 100 | 102.94 | Verified |
| 541 | XX | XX | XX | Original LTV | 100 | 102.94 | Verified |
| 541 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 541 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 541 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 542 | XX | XX | XX | Amortization Term | 363 | 360 | Verified |
| 542 | XX | XX | XX | Original P&I | 429.00 | 429.40 | Verified |
| 542 | XX | XX | XX | Representative FICO | 500 |  | Verified |
| 542 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 542 | XX | XX | XX | Margin | 0 |  | Verified |
| 542 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 542 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 542 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 542 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 543 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 543 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 543 | XX | XX | XX | Original P&I | 1171.00 | 1131.33 | Verified |
| 543 | XX | XX | XX | Representative FICO | 719 |  | Verified |
| 543 | XX | XX | XX | Purpose | Purchase | Construction-Permanent | Verified |
| 543 | XX | XX | XX | Doc Type | Alt | Stated | Verified |
| 543 | XX | XX | XX | Margin | 0 |  | Verified |
| 543 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 543 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 543 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 544 | XX | XX | XX | Margin | 0 |  | Verified |
| 544 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 544 | XX | XX | XX | Original CLTV | 99.22 | 97.75 | Verified |
| 544 | XX | XX | XX | Original LTV | 99.22 | 97.75 | Verified |
| 544 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 544 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 544 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 544 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 545 | XX | XX | XX | Margin | 0 |  | Verified |
| 545 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 545 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 545 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 545 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 546 | XX | XX | XX | Zip | XX | XX | Verified |
| 546 | XX | XX | XX | Original P&I | 1142.00 | 1142.31 | Verified |
| 546 | XX | XX | XX | Property Type | Single Family | Manufactured Housing | Verified |
| 546 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 546 | XX | XX | XX | Margin | 0 |  | Verified |
| 546 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 546 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 546 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 546 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 547 | XX | XX | XX | Original P&I | 683.00 | 682.64 | Verified |
| 547 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 547 | XX | XX | XX | Margin | 0 |  | Verified |
| 547 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 547 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 547 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 547 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 548 | XX | XX | XX | Original P&I | 622.00 | 622.11 | Verified |
| 548 | XX | XX | XX | Property Type | Single Family | Manufactured Housing | Verified |
| 548 | XX | XX | XX | Margin | 0 |  | Verified |
| 548 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 548 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 548 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 548 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 549 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 549 | XX | XX | XX | Margin | 1 | 2.25 | Verified |
| 549 | XX | XX | XX | Next Interest Rate Change Date | 2038-03-01 | 2017-12-01 | Verified |
| 549 | XX | XX | XX | Interest Rate Life Min | 1 | 2.25 | Verified |
| 549 | XX | XX | XX | Interest Rate Periodic Cap | 1 | 2 | Verified |
| 549 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 549 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 549 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 550 | XX | XX | XX | Amortization Term | 389 | 360 | Verified |
| 550 | XX | XX | XX | Original P&I | 6078.00 | 6077.95 | Verified |
| 550 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 550 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 550 | XX | XX | XX | Margin | 0 |  | Verified |
| 550 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 550 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 550 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| 550 | XX | XX | XX | Original CLTV | 93.24 | 88 | Verified |
| 550 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 550 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 550 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 550 | XX | XX | XX | PMI Coverage % | 25 |  | Verified |
| 551 | XX | XX | XX | Doc Type | FastEasy | Reduced | Verified |
| 551 | XX | XX | XX | Margin | 1 |  | Verified |
| 551 | XX | XX | XX | Next Interest Rate Change Date | 2054-07-01 |  | Verified |
| 551 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 551 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 551 | XX | XX | XX | Interest Rate Life Max | 6.75 |  | Verified |
| 551 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 551 | XX | XX | XX | Original Interest Rate Period | 79 |  | Verified |
| 551 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 551 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 551 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 551 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 552 | XX | XX | XX | Original Term | 360 | 480 | Verified |
| 552 | XX | XX | XX | Amortization Term | 498 | 480 | Verified |
| 552 | XX | XX | XX | Original P&I | 1310.00 | 1309.51 | Verified |
| 552 | XX | XX | XX | Representative FICO | 0 |  | Verified |
| 552 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 552 | XX | XX | XX | Margin | 1 |  | Verified |
| 552 | XX | XX | XX | Next Interest Rate Change Date | 2049-11-01 |  | Verified |
| 552 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 552 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 552 | XX | XX | XX | Interest Rate Life Max | 6 |  | Verified |
| 552 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 552 | XX | XX | XX | Original Interest Rate Period | 51 |  | Verified |
| 552 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 552 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 553 | XX | XX | XX | Representative FICO | 750 |  | Verified |
| 553 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 553 | XX | XX | XX | Margin | 0 |  | Verified |
| 553 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 553 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 553 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| 553 | XX | XX | XX | Original CLTV | 66.84 |  | Verified |
| 553 | XX | XX | XX | Original LTV | 66.84 |  | Verified |
| 553 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 553 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 553 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 553 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 554 | XX | XX | XX | Original Term | 360 | 480 | Verified |
| 554 | XX | XX | XX | Original P&I | 2488.34 | 1415.99 | Verified |
| 554 | XX | XX | XX | Representative FICO | 647 |  | Verified |
| 554 | XX | XX | XX | Doc Type | Reduced | UTD | Verified |
| 554 | XX | XX | XX | Index Type |  | MTA - 12 Month | Verified |
| 554 | XX | XX | XX | Margin | 1 | 2.8 | Verified |
| 554 | XX | XX | XX | Next Interest Rate Change Date | 2046-09-01 | 2017-09-01 | Verified |
| 554 | XX | XX | XX | Interest Rate Change Frequency | 12 | 1 | Verified |
| 554 | XX | XX | XX | Interest Rate Life Max | 4.75 | 9.95 | Verified |
| 554 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 554 | XX | XX | XX | Original Interest Rate Period | 64 | 1 | Verified |
| 554 | XX | XX | XX | Payment Adjustment Cap % | 0 | 7.5 | Verified |
| 554 | XX | XX | XX | Recast Beginning Month |  | 60 | Verified |
| 554 | XX | XX | XX | Recast Frequency Months |  | 60 | Verified |
| 554 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 554 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 555 | XX | XX | XX | Original Term |  | 360 | Verified |
| 555 | XX | XX | XX | Index Type | US Treasury - 1 Year CMT (Monthly) | MTA - 12 Month | Verified |
| 555 | XX | XX | XX | Margin | 0 | 2.95 | Verified |
| 555 | XX | XX | XX | Next Interest Rate Change Date | 2012-12-01 | 2017-09-01 | Verified |
| 555 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 555 | XX | XX | XX | Original Interest Rate Period | 0 | 1 | Verified |
| 555 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 555 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 555 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 556 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 556 | XX | XX | XX | Margin | 1 | 2.25 | Verified |
| 556 | XX | XX | XX | Next Interest Rate Change Date | 2038-01-01 | 2017-10-01 | Verified |
| 556 | XX | XX | XX | Interest Rate Periodic Cap | 1 | 2 | Verified |
| 556 | XX | XX | XX | Original Interest Rate Period | 60 | 84 | Verified |
| 556 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 556 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 556 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 557 | XX | XX | XX | Original Term |  | 360 | Verified |
| 557 | XX | XX | XX | Doc Type | Reduced | Stated | Verified |
| 557 | XX | XX | XX | Index Type | US Treasury - 1 Year CMT (Monthly) | MTA - 12 Month | Verified |
| 557 | XX | XX | XX | Margin | 0 | 3.15 | Verified |
| 557 | XX | XX | XX | Next Interest Rate Change Date | 2012-08-01 | 2017-09-01 | Verified |
| 557 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 557 | XX | XX | XX | Original Interest Rate Period | 0 | 1 | Verified |
| 557 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 557 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 557 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 558 | XX | XX | XX | Original Term | 360 | 480 | Verified |
| 558 | XX | XX | XX | Original P&I | 1124.00 | 1124.21 | Verified |
| 558 | XX | XX | XX | Margin | 0 |  | Verified |
| 558 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 558 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 558 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 558 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 558 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 559 | XX | XX | XX | Street | XX | XX | Verified |
| 559 | XX | XX | XX | Original P&I | 1824.00 | 1823.66 | Verified |
| 559 | XX | XX | XX | Representative FICO | 736 |  | Verified |
| 559 | XX | XX | XX | Property Type | Multi Family | UTD | Verified |
| 559 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 559 | XX | XX | XX | Margin | 0 |  | Verified |
| 559 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 559 | XX | XX | XX | # of Units | 2 |  | Verified |
| 559 | XX | XX | XX | Original CLTV | 62.65 |  | Verified |
| 559 | XX | XX | XX | Original LTV | 62.65 |  | Verified |
| 559 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 559 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 559 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 559 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 560 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 560 | XX | XX | XX | Margin | 0 |  | Verified |
| 560 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 560 | XX | XX | XX | Original CLTV | 70.05 | 58.05 | Verified |
| 560 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 560 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 560 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 560 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 561 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 561 | XX | XX | XX | Margin | 1 | 2.25 | Verified |
| 561 | XX | XX | XX | Next Interest Rate Change Date | 2053-08-01 | 2017-09-01 | Verified |
| 561 | XX | XX | XX | Interest Rate Periodic Cap | 1 | 2 | Verified |
| 561 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| 561 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 561 | XX | XX | XX | Recast Beginning Month |  | 120 | Verified |
| 561 | XX | XX | XX | Recast Frequency Months |  | 12 | Verified |
| 561 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 561 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 562 | XX | XX | XX | Index Type | US Treasury - 1 Year CMT (Monthly) | MTA - 12 Month | Verified |
| 562 | XX | XX | XX | Margin | 3.08 | 3.075 | Verified |
| 562 | XX | XX | XX | Payment Adjustment Cap % | 115 |  | Verified |
| 562 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 562 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 563 | XX | XX | XX | Zip | XX | XX | Verified |
| 563 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 563 | XX | XX | XX | Margin | 1 | 6.75 | Verified |
| 563 | XX | XX | XX | Next Interest Rate Change Date | 2037-10-01 | 2018-01-01 | Verified |
| 563 | XX | XX | XX | Interest Rate Change Frequency | 12 | 6 | Verified |
| 563 | XX | XX | XX | Interest Rate Periodic Cap | 1 | 1.5 | Verified |
| 563 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 563 | XX | XX | XX | Original Interest Rate Period | 60 | 24 | Verified |
| 563 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 564 | XX | XX | XX | Original P&I | 1760.63 | 2457.26 | Verified |
| 564 | XX | XX | XX | Doc Type | FastEasy | Reduced | Verified |
| 564 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 564 | XX | XX | XX | Margin | 1 | 2.25 | Verified |
| 564 | XX | XX | XX | Next Interest Rate Change Date | 2052-03-01 | 2018-03-01 | Verified |
| 564 | XX | XX | XX | Interest Rate Life Max | 3.875 | 10.625 | Verified |
| 564 | XX | XX | XX | Interest Rate Periodic Cap | 1 | 2 | Verified |
| 564 | XX | XX | XX | Original CLTV | 90 | 80 | Verified |
| 564 | XX | XX | XX | Original Interest Rate Period | 81 | 60 | Verified |
| 564 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 564 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 564 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 565 | XX | XX | XX | Note Date | XX | XX | Verified |
| 565 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 565 | XX | XX | XX | Amortization Term |  | 300 | Verified |
| 565 | XX | XX | XX | Original P&I | 0.00 | 1080.00 | Verified |
| 565 | XX | XX | XX | Representative FICO | 650 |  | Verified |
| 565 | XX | XX | XX | Property Type | Raw Land/Other Non-Res Prop | Single Family Detached | Verified |
| 565 | XX | XX | XX | Occupancy | Investment | Primary | Verified |
| 565 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 565 | XX | XX | XX | Next Interest Rate Change Date | 2017-09-01 | 2017-09-17 | Verified |
| 565 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 565 | XX | XX | XX | Interest Rate Life Max | 18 | 24 | Verified |
| 565 | XX | XX | XX | Original CLTV | 38 |  | Verified |
| 565 | XX | XX | XX | Original LTV | 38 |  | Verified |
| 565 | XX | XX | XX | Original Interest Rate Period | 0 | 1 | Verified |
| 565 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 566 | XX | XX | XX | Note Date | XX | XX | Verified |
| 566 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 566 | XX | XX | XX | Amortization Term |  | 300 | Verified |
| 566 | XX | XX | XX | Representative FICO | 733 |  | Verified |
| 566 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 566 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 566 | XX | XX | XX | Margin | -0.26 | 0.26 | Verified |
| 566 | XX | XX | XX | Next Interest Rate Change Date | 2017-09-01 | 2017-09-26 | Verified |
| 566 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 566 | XX | XX | XX | Interest Rate Life Min | 0 | 0.26 | Verified |
| 566 | XX | XX | XX | Interest Rate Life Max | 18 | 24 | Verified |
| 566 | XX | XX | XX | Interest Rate Periodic Cap | 0 | 1 | Verified |
| 566 | XX | XX | XX | # of Units | 1 |  | Verified |
| 566 | XX | XX | XX | Original CLTV | 42.9 |  | Verified |
| 566 | XX | XX | XX | Original LTV | 42 |  | Verified |
| 566 | XX | XX | XX | Original Interest Rate Period | 0 | 1 | Verified |
| 566 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 566 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 566 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 567 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 567 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 568 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 568 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 568 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 569 | XX | XX | XX | Representative FICO | 667 |  | Verified |
| 569 | XX | XX | XX | Doc Type | Reduced | UTD | Verified |
| 569 | XX | XX | XX | Index Type | LIBOR - 1 Year (Daily) | MTA - 12 Month | Verified |
| 569 | XX | XX | XX | Margin | 2.25 | 2.45 | Verified |
| 569 | XX | XX | XX | Next Interest Rate Change Date | 2019-05-01 | 2017-09-01 | Verified |
| 569 | XX | XX | XX | Interest Rate Life Min | 2.25 | 2.45 | Verified |
| 569 | XX | XX | XX | Interest Rate Life Max | 9 | 9.95 | Verified |
| 569 | XX | XX | XX | Interest Rate Periodic Cap | 2 | 0 | Verified |
| 569 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 569 | XX | XX | XX | Original CLTV | 79.51 |  | Verified |
| 569 | XX | XX | XX | Original LTV | 79.51 |  | Verified |
| 569 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 569 | XX | XX | XX | Recast Beginning Month |  | 60 | Verified |
| 569 | XX | XX | XX | Recast Frequency Months |  | 60 | Verified |
| 569 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 569 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 569 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 570 | XX | XX | XX | Original P&I | 1393.00 | 1393.36 | Verified |
| 570 | XX | XX | XX | Representative FICO | 691 |  | Verified |
| 570 | XX | XX | XX | Doc Type | PaperSavr | UTD | Verified |
| 570 | XX | XX | XX | Margin | 1 |  | Verified |
| 570 | XX | XX | XX | Next Interest Rate Change Date | 2035-12-01 |  | Verified |
| 570 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 570 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 570 | XX | XX | XX | Interest Rate Life Max | 5.5 |  | Verified |
| 570 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 570 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 570 | XX | XX | XX | Original CLTV | 67.14 | 59.82 | Verified |
| 570 | XX | XX | XX | Original Interest Rate Period | 102 |  | Verified |
| 570 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 570 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 571 | XX | XX | XX | Index Type |  | MTA - 12 Month | Verified |
| 571 | XX | XX | XX | Margin | 1 | 2.65 | Verified |
| 571 | XX | XX | XX | Next Interest Rate Change Date | 2020-10-01 | 2017-09-01 | Verified |
| 571 | XX | XX | XX | Interest Rate Change Frequency | 12 | 1 | Verified |
| 571 | XX | XX | XX | Interest Rate Life Max | 4.5 | 9.95 | Verified |
| 571 | XX | XX | XX | Interest Rate Periodic Cap | 1 | 0 | Verified |
| 571 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| 571 | XX | XX | XX | Payment Adjustment Cap % | 0 | 7.5 | Verified |
| 571 | XX | XX | XX | Recast Beginning Month |  | 60 | Verified |
| 571 | XX | XX | XX | Recast Frequency Months |  | 60 | Verified |
| 571 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 571 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 572 | XX | XX | XX | Street | XX | XX | Verified |
| 572 | XX | XX | XX | Original Term | 360 | 480 | Verified |
| 572 | XX | XX | XX | Original P&I | 1407.44 | 1360.34 | Verified |
| 572 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 572 | XX | XX | XX | Margin | 1 | 2.25 | Verified |
| 572 | XX | XX | XX | Next Interest Rate Change Date | 2052-11-01 | 2018-07-01 | Verified |
| 572 | XX | XX | XX | Interest Rate Life Max | 3.5 | 12 | Verified |
| 572 | XX | XX | XX | Interest Rate Periodic Cap | 1 | 2 | Verified |
| 572 | XX | XX | XX | Original Interest Rate Period | 1 | 60 | Verified |
| 572 | XX | XX | XX | Recast Beginning Month |  | 120 | Verified |
| 572 | XX | XX | XX | Recast Frequency Months |  | 120 | Verified |
| 572 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 572 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 573 | XX | XX | XX | Note Date | XX | XX | Verified |
| 573 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 573 | XX | XX | XX | Amortization Term |  | 300 | Verified |
| 573 | XX | XX | XX | Original P&I | 0.00 | 1350.00 | Verified |
| 573 | XX | XX | XX | Representative FICO | 711 |  | Verified |
| 573 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 573 | XX | XX | XX | Next Interest Rate Change Date | 2017-09-01 | 2017-09-18 | Verified |
| 573 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 573 | XX | XX | XX | Interest Rate Life Max | 6.7 | 24 | Verified |
| 573 | XX | XX | XX | Original CLTV | 34 |  | Verified |
| 573 | XX | XX | XX | Original LTV | 34 |  | Verified |
| 573 | XX | XX | XX | Original Interest Rate Period | 0 | 1 | Verified |
| 573 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 573 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 573 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 574 | XX | XX | XX | Zip | XX | XX | Verified |
| 574 | XX | XX | XX | Margin | 1.63 | 1.625 | Verified |
| 574 | XX | XX | XX | Next Interest Rate Change Date | 2017-10-01 | 2017-09-01 | Verified |
| 574 | XX | XX | XX | Original CLTV | 99.99 | 80 | Verified |
| 574 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 574 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 574 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 575 | XX | XX | XX | Note Date | XX | XX | Verified |
| 575 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 575 | XX | XX | XX | Amortization Term |  | 300 | Verified |
| 575 | XX | XX | XX | Original P&I | 0.00 | 1500.00 | Verified |
| 575 | XX | XX | XX | Representative FICO | 684 |  | Verified |
| 575 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 575 | XX | XX | XX | Occupancy | Investment | UTD | Verified |
| 575 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 575 | XX | XX | XX | Next Interest Rate Change Date | 2017-09-01 | 2017-09-14 | Verified |
| 575 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 575 | XX | XX | XX | Interest Rate Life Max | 7.74 | 24 | Verified |
| 575 | XX | XX | XX | Original CLTV | 28 |  | Verified |
| 575 | XX | XX | XX | Original LTV | 28 |  | Verified |
| 575 | XX | XX | XX | Original Interest Rate Period | 0 | 1 | Verified |
| 575 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 575 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 575 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 576 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 576 | XX | XX | XX | Margin | 1 |  | Verified |
| 576 | XX | XX | XX | Next Interest Rate Change Date | 2052-08-01 |  | Verified |
| 576 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 576 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 576 | XX | XX | XX | Interest Rate Life Max | 2 |  | Verified |
| 576 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 576 | XX | XX | XX | Original Interest Rate Period | 59 |  | Verified |
| 576 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 576 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 577 | XX | XX | XX | Original Term | 360 | 480 | Verified |
| 577 | XX | XX | XX | Margin | 0 |  | Verified |
| 577 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 577 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 577 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 577 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 577 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 577 | XX | XX | XX | PMI Coverage % | 12 |  | Verified |
| 577 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 578 | XX | XX | XX | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified |
| 578 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 579 | XX | XX | XX | Original P&I | 2293.00 | 2292.76 | Verified |
| 579 | XX | XX | XX | Representative FICO | 645 | 575 | Verified |
| 579 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 579 | XX | XX | XX | Margin | 0 |  | Verified |
| 579 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 579 | XX | XX | XX | Original CLTV | 76.77 |  | Verified |
| 579 | XX | XX | XX | Original LTV | 76.77 |  | Verified |
| 579 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 579 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 579 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 579 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 580 | XX | XX | XX | Margin | 0 |  | Verified |
| 580 | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified |
| 580 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 580 | XX | XX | XX | Original Interest Rate Period | 0 |  | Verified |
| 580 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 580 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 580 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 581 | XX | XX | XX | Margin | 1 |  | Verified |
| 581 | XX | XX | XX | Next Interest Rate Change Date | 2053-03-01 |  | Verified |
| 581 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 581 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 581 | XX | XX | XX | Interest Rate Life Max | 6.5 |  | Verified |
| 581 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 581 | XX | XX | XX | Original Interest Rate Period | 63 |  | Verified |
| 581 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 581 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 581 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 582 | XX | XX | XX | Margin | 1 |  | Verified |
| 582 | XX | XX | XX | Next Interest Rate Change Date | 2038-08-01 |  | Verified |
| 582 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 582 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 582 | XX | XX | XX | Interest Rate Life Max | 5.75 |  | Verified |
| 582 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 582 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 582 | XX | XX | XX | Original Interest Rate Period | 30 |  | Verified |
| 582 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 582 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 582 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 583 | XX | XX | XX | Doc Type | Full | SISA | Verified |
| 583 | XX | XX | XX | Margin | 1 |  | Verified |
| 583 | XX | XX | XX | Next Interest Rate Change Date | 2051-04-01 |  | Verified |
| 583 | XX | XX | XX | Interest Rate Change Frequency | 12 |  | Verified |
| 583 | XX | XX | XX | Interest Rate Life Min | 1 |  | Verified |
| 583 | XX | XX | XX | Interest Rate Life Max | 6.875 |  | Verified |
| 583 | XX | XX | XX | Interest Rate Periodic Cap | 1 |  | Verified |
| 583 | XX | XX | XX | Original Interest Rate Period | 36 |  | Verified |
| 583 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 583 | XX | XX | XX | PMI Company | XX |  | Verified |
| 583 | XX | XX | XX | PMI Coverage % | 25 |  | Verified |
| 583 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 584 | XX | XX | XX | Note Date | XX | XX | Verified |
| 584 | XX | XX | XX | Amortization Term | 450 | 600 | Verified |
| 584 | XX | XX | XX | Representative FICO | 578 | 652 | Verified |
| 584 | XX | XX | XX | Doc Type | Full | Alt | Verified |
| 584 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 584 | XX | XX | XX | Margin | 1 | 6.35 | Verified |
| 584 | XX | XX | XX | Next Interest Rate Change Date | 2050-10-01 | 2018-03-01 | Verified |
| 584 | XX | XX | XX | Interest Rate Life Min | 1 | 6.35 | Verified |
| 584 | XX | XX | XX | Interest Rate Life Max | 13.75 | 14.25 | Verified |
| 584 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 584 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 584 | XX | XX | XX | Original CLTV | 80 | 100 | Verified |
| 584 | XX | XX | XX | Original Interest Rate Period | 70 | 24 | Verified |
| 584 | XX | XX | XX | Payment Adjustment Cap % | 0 |  | Verified |
| 584 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 584 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 584 | XX | XX | XX | MERS Min Number | XX | XX | Verified |
| 991 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 991 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 991 | XX | XX | XX | Original CLTV | 80 | 100 | Verified |
| 992 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 992 | XX | XX | XX | Original CLTV | 85.64 | 84.38 | Verified |
| 992 | XX | XX | XX | Original LTV | 85.64 | 84.38 | Verified |
| 993 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 994 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 994 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 994 | XX | XX | XX | Appraisal Date | XX |  | Verified |
| 994 | XX | XX | XX | Refi Purpose | Cash-out | UTD | Verified |
| 994 | XX | XX | XX | Original CLTV | 80 |  | Verified |
| 994 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 994 | XX | XX | XX | Interest Only Period Expiration Date |  | 2012-06-01 | Verified |
| 994 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 995 | XX | XX | XX | Doc Type |  | Full | Verified |
| 996 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 996 | XX | XX | XX | Interest Collection Type | In Arrears | Daily Simple | Verified |
| 997 | XX | XX | XX | Doc Type | Reduced | Full | Verified |
| 998 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 998 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 999 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 999 | XX | XX | XX | Original Term | 336 | 360 | Verified |
| 999 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 999 | XX | XX | XX | Doc Type |  | Full | Verified |
| 999 | XX | XX | XX | Original CLTV | 98.19 | 96.5 | Verified |
| 999 | XX | XX | XX | Original LTV | 98.19 | 96.5 | Verified |
| 999 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1000 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 1000 | XX | XX | XX | Refi Purpose | Cash-out | Rate/Term | Verified |
| 1001 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1001 | XX | XX | XX | Appraisal Date | XX |  | Verified |
| 1001 | XX | XX | XX | Original CLTV | 90 |  | Verified |
| 1001 | XX | XX | XX | Original LTV | 90 |  | Verified |
| 1001 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1002 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 1002 | XX | XX | XX | Original CLTV | 106.35 | 100 | Verified |
| 1003 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1003 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 1003 | XX | XX | XX | Interest Only Period Expiration Date | 2009-05-01 | 2016-07-01 | Verified |
| 1004 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1004 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 1004 | XX | XX | XX | Interest Only Period Expiration Date |  | 2014-12-01 | Verified |
| 1005 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1005 | XX | XX | XX | Refi Purpose | Cash-out | Rate/Term | Verified |
| 1006 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 1006 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| 1007 | XX | XX | XX | Original Term | 515 | 360 | Verified |
| 1007 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1007 | XX | XX | XX | Original Interest Rate | 6 | 6.5 | Verified |
| 1007 | XX | XX | XX | Original P&I | 3250.42 | 3824.01 | Verified |
| 1007 | XX | XX | XX | Doc Type |  | Reduced | Verified |
| 1007 | XX | XX | XX | Appraisal Date | XX |  | Verified |
| 1007 | XX | XX | XX | Original CLTV | 75.63 | 85 | Verified |
| 1008 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1008 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1008 | XX | XX | XX | Interest Only Period Expiration Date |  | 2017-11-01 | Verified |
| 1009 | XX | XX | XX | Original Interest Rate | 9.437 | 9.4368 | Verified |
| 1009 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 1009 | XX | XX | XX | Interest Collection Type | In Arrears | Daily Simple | Verified |
| 1009 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| 1009 | XX | XX | XX | Original CLTV | 84.98 |  | Verified |
| 1009 | XX | XX | XX | Original LTV | 84.98 |  | Verified |
| 1009 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 1010 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1010 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 1010 | XX | XX | XX | Original CLTV | 100 | 102.96 | Verified |
| 1010 | XX | XX | XX | Interest Only Period Expiration Date | 2014-04-01 | 2017-05-01 | Verified |
| 1011 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1011 | XX | XX | XX | Doc Type | Alt | Full | Verified |
| 1011 | XX | XX | XX | Interest Collection Type | In Arrears | Daily Simple | Verified |
| 1011 | XX | XX | XX | Interest Only Period Expiration Date |  | 2017-02-01 | Verified |
| 923 | XX | XX | XX | Original Term | 599 | 360 | Verified |
| 923 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 923 | XX | XX | XX | Original Interest Rate | 5.25 | 6.25 | Verified |
| 923 | XX | XX | XX | Original P&I |  | 1121.48 | Verified |
| 923 | XX | XX | XX | Representative FICO | 0 | 736 | Verified |
| 923 | XX | XX | XX | Property Type | Single Family | Manufactured Housing | Verified |
| 923 | XX | XX | XX | Doc Type |  | Full | Verified |
| 923 | XX | XX | XX | Original LTV | 98.45 | 97 | Verified |
| 924 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 924 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 924 | XX | XX | XX | Representative FICO | 670 |  | Verified |
| 924 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 924 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 924 | XX | XX | XX | # of Units |  | 2 | Verified |
| 924 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 924 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 925 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 925 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 925 | XX | XX | XX | Margin |  | 7.98 | Verified |
| 925 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-03-01 | Verified |
| 925 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 925 | XX | XX | XX | Interest Rate Life Min |  | 8.23 | Verified |
| 925 | XX | XX | XX | Interest Rate Life Max |  | 14.23 | Verified |
| 925 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 925 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| 925 | XX | XX | XX | Original LTV | 80 | 76.92 | Verified |
| 925 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 926 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 926 | XX | XX | XX | Representative FICO | 571 |  | Verified |
| 926 | XX | XX | XX | Property Type | Multi Family | Single Family Detached | Verified |
| 926 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 926 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 926 | XX | XX | XX | # of Units |  | 1 | Verified |
| 926 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 926 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 926 | XX | XX | XX | Original LTV | 85 |  | Verified |
| 926 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 928 | XX | XX | XX | Original Term | 575 | 360 | Verified |
| 928 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 928 | XX | XX | XX | Original P&I |  | 1755.24 | Verified |
| 928 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 928 | XX | XX | XX | Representative FICO | 798 |  | Verified |
| 928 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 928 | XX | XX | XX | Index Type |  | 11th District COFI | Verified |
| 928 | XX | XX | XX | Margin |  | 3.7 | Verified |
| 928 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-02-01 | Verified |
| 928 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 928 | XX | XX | XX | Interest Rate Life Min |  | 3.7 | Verified |
| 928 | XX | XX | XX | Interest Rate Life Max |  | 10 | Verified |
| 928 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 928 | XX | XX | XX | # of Units |  | 2 | Verified |
| 928 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| 928 | XX | XX | XX | Maximum Balance % |  | 110 | Verified |
| 928 | XX | XX | XX | Neg Am | 0 | 1 | Verified |
| 929 | XX | XX | XX | Representative FICO | 0 | 632 | Verified |
| 929 | XX | XX | XX | Doc Type |  | Full | Verified |
| 930 | XX | XX | XX | Original Term | 571 | 360 | Verified |
| 930 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 930 | XX | XX | XX | Original Interest Rate | 4.125 | 8.85 | Verified |
| 930 | XX | XX | XX | Original P&I |  | 1641.25 | Verified |
| 930 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 930 | XX | XX | XX | Representative FICO | 543 | 540 | Verified |
| 930 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 930 | XX | XX | XX | Margin |  | 5.49 | Verified |
| 930 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-06-01 | Verified |
| 930 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 930 | XX | XX | XX | Interest Rate Life Min |  | 5.49 | Verified |
| 930 | XX | XX | XX | Interest Rate Life Max |  | 14.85 | Verified |
| 930 | XX | XX | XX | Interest Rate Periodic Cap |  | 1.5 | Verified |
| 931 | XX | XX | XX | Original Term | 507 | 360 | Verified |
| 931 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 931 | XX | XX | XX | Original Interest Rate | 5 | 6.5 | Verified |
| 931 | XX | XX | XX | Original P&I |  | 1898.00 | Verified |
| 931 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 931 | XX | XX | XX | Doc Type |  | Full | Verified |
| 931 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 931 | XX | XX | XX | Interest Only Period Expiration Date |  | 2010-07-01 | Verified |
| 932 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 932 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 932 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 932 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 932 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 932 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 932 | XX | XX | XX | Original LTV | 63.98 |  | Verified |
| 932 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 933 | XX | XX | XX | Street | XX | XX | Verified |
| 933 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 933 | XX | XX | XX | Original Term | 557 | 360 | Verified |
| 933 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 933 | XX | XX | XX | Original Interest Rate | 3.91 | 9.07 | Verified |
| 933 | XX | XX | XX | Original P&I |  | 476.30 | Verified |
| 933 | XX | XX | XX | Representative FICO | 0 | 670 | Verified |
| 933 | XX | XX | XX | Property Type | Single Family | 3 Family | Verified |
| 933 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 933 | XX | XX | XX | Doc Type |  | Full | Verified |
| 933 | XX | XX | XX | # of Units | 1 | 3 | Verified |
| 933 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 934 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 934 | XX | XX | XX | Representative FICO | 580 | 600 | Verified |
| 934 | XX | XX | XX | Doc Type |  | Stated | Verified |
| 934 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 935 | XX | XX | XX | Street | XX | XX | Verified |
| 935 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 935 | XX | XX | XX | Interest Rate Life Min | 2.875 | 5.25 | Verified |
| 935 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 937 | XX | XX | XX | Representative FICO | 648 | 699 | Verified |
| 937 | XX | XX | XX | Original LTV | 98.19 | 96.5 | Verified |
| 938 | XX | XX | XX | Original Term | 539 | 360 | Verified |
| 938 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 938 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 938 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 938 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 938 | XX | XX | XX | Doc Type |  | Full | Verified |
| 938 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 938 | XX | XX | XX | Margin |  | 5.85 | Verified |
| 938 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-07-01 | Verified |
| 938 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 938 | XX | XX | XX | Interest Rate Life Min |  | 7.6 | Verified |
| 938 | XX | XX | XX | Interest Rate Life Max |  | 13.6 | Verified |
| 938 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 938 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 938 | XX | XX | XX | Original LTV | 77.72 | 82.93 | Verified |
| 938 | XX | XX | XX | Interest Only Period Expiration Date |  | 2011-01-01 | Verified |
| 939 | XX | XX | XX | Note Date | XX | XX | Verified |
| 939 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 940 | XX | XX | XX | Original Term | 630 | 360 | Verified |
| 940 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 940 | XX | XX | XX | Original P&I |  | 699.62 | Verified |
| 940 | XX | XX | XX | Representative FICO | 0 |  | Verified |
| 940 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 940 | XX | XX | XX | # of Units |  | 1 | Verified |
| 940 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 940 | XX | XX | XX | Original LTV | 0 | 80 | Verified |
| 940 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 941 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 941 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 941 | XX | XX | XX | Original Term | 472 | 240 | Verified |
| 941 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 941 | XX | XX | XX | Original Interest Rate | 2.12 | 11.99 | Verified |
| 941 | XX | XX | XX | Original P&I |  | 405.00 | Verified |
| 941 | XX | XX | XX | Representative FICO | 0 |  | Verified |
| 941 | XX | XX | XX | Property Type | Mobile Home | Manufactured Housing | Verified |
| 941 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 941 | XX | XX | XX | Doc Type |  | Full | Verified |
| 941 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 943 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 943 | XX | XX | XX | Original Term | 237 | 60 | Verified |
| 943 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 943 | XX | XX | XX | Original Interest Rate | 7 | 7.5 | Verified |
| 943 | XX | XX | XX | Original P&I | 682.70 | 894.68 | Verified |
| 943 | XX | XX | XX | Representative FICO | 0 |  | Verified |
| 943 | XX | XX | XX | Doc Type |  | Stated | Verified |
| 944 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 944 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 944 | XX | XX | XX | Representative FICO | 465 |  | Verified |
| 944 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 944 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 945 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 945 | XX | XX | XX | Representative FICO | 0 | 522 | Verified |
| 946 | XX | XX | XX | Note Date | XX | XX | Verified |
| 946 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 946 | XX | XX | XX | Original Term | 376 | 360 | Verified |
| 946 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 946 | XX | XX | XX | Original Interest Rate | 7.5 | 10 | Verified |
| 946 | XX | XX | XX | Original P&I |  | 1430.28 | Verified |
| 946 | XX | XX | XX | Representative FICO | 610 |  | Verified |
| 946 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 946 | XX | XX | XX | Original LTV | 99.99 |  | Verified |
| 946 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 947 | XX | XX | XX | Zip | XX | XX | Verified |
| 947 | XX | XX | XX | Original P&I |  | 834.75 | Verified |
| 947 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 947 | XX | XX | XX | Representative FICO | 603 |  | Verified |
| 947 | XX | XX | XX | Interest Only | 1 |  | Verified |
| 947 | XX | XX | XX | Doc Type |  | Stated | Verified |
| 947 | XX | XX | XX | Next Interest Rate Change Date | 2019-12-01 | 2018-06-01 | Verified |
| 947 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 947 | XX | XX | XX | Interest Only Period Expiration Date | 2020-01-01 |  | Verified |
| 948 | XX | XX | XX | Original Term | 619 | 360 | Verified |
| 948 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 948 | XX | XX | XX | Original Interest Rate |  | 5.625 | Verified |
| 948 | XX | XX | XX | Original P&I |  | 817.44 | Verified |
| 948 | XX | XX | XX | Representative FICO | 0 |  | Verified |
| 948 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 948 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 948 | XX | XX | XX | Original LTV | 98.61 | 100 | Verified |
| 948 | XX | XX | XX | PMI Company | XX |  | Verified |
| 948 | XX | XX | XX | PMI Coverage % | 10 |  | Verified |
| 949 | XX | XX | XX | Zip | XX | XX | Verified |
| 949 | XX | XX | XX | Note Date | XX | XX | Verified |
| 949 | XX | XX | XX | Original Term | 299 | 300 | Verified |
| 949 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 949 | XX | XX | XX | Original Interest Rate |  | 5 | Verified |
| 949 | XX | XX | XX | Original P&I |  | 1800.00 | Verified |
| 949 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 949 | XX | XX | XX | Representative FICO | 533 |  | Verified |
| 949 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 949 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 949 | XX | XX | XX | Next Interest Rate Change Date | 2018-02-25 | 2018-02-10 | Verified |
| 949 | XX | XX | XX | Interest Rate Life Min | 0 | 0.25 | Verified |
| 949 | XX | XX | XX | Refi Purpose |  | UTD | Verified |
| 950 | XX | XX | XX | Original Interest Rate | 7.38 | 7.375 | Verified |
| 951 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 951 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 951 | XX | XX | XX | Original Term | 565 | 360 | Verified |
| 951 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 951 | XX | XX | XX | Original Interest Rate | 2.17 | 8.64 | Verified |
| 951 | XX | XX | XX | Original P&I |  | 1875.00 | Verified |
| 951 | XX | XX | XX | Representative FICO | 0 |  | Verified |
| 951 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 951 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 951 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 952 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 952 | XX | XX | XX | Doc Type | SIVA | Stated | Verified |
| 952 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 952 | XX | XX | XX | Margin |  | 7.5 | Verified |
| 952 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-07-01 | Verified |
| 952 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 952 | XX | XX | XX | Interest Rate Life Min |  | 8.82 | Verified |
| 952 | XX | XX | XX | Interest Rate Life Max |  | 15.82 | Verified |
| 952 | XX | XX | XX | Interest Rate Periodic Cap |  | 1.5 | Verified |
| 953 | XX | XX | XX | Original Term | 603 | 360 | Verified |
| 953 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 953 | XX | XX | XX | Original Interest Rate | 6 | 7.25 | Verified |
| 953 | XX | XX | XX | Original P&I | 809.39 | 920.94 | Verified |
| 953 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| 954 | XX | XX | XX | Zip | XX | XX | Verified |
| 954 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 954 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 954 | XX | XX | XX | Original Interest Rate | 5.84 | 6.84 | Verified |
| 954 | XX | XX | XX | Original P&I |  | 1669.21 | Verified |
| 954 | XX | XX | XX | Representative FICO | 652 | 709 | Verified |
| 954 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 954 | XX | XX | XX | Doc Type |  | Full | Verified |
| 954 | XX | XX | XX | Refi Purpose |  | Rate/Term | Verified |
| 955 | XX | XX | XX | Original Term | 497 | 360 | Verified |
| 955 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 955 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 955 | XX | XX | XX | Doc Type |  | Full | Verified |
| 955 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 956 | XX | XX | XX | Original Term | 482 | 360 | Verified |
| 956 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 956 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 956 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 956 | XX | XX | XX | Margin |  | 6.05 | Verified |
| 956 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-03-01 | Verified |
| 956 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 956 | XX | XX | XX | Interest Rate Life Min |  | 6.05 | Verified |
| 956 | XX | XX | XX | Interest Rate Life Max |  | 14.45 | Verified |
| 956 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 956 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 956 | XX | XX | XX | Original LTV | 90.54 | 100 | Verified |
| 957 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 957 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 957 | XX | XX | XX | Original Interest Rate | 10.051 | 11.051 | Verified |
| 957 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 957 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 957 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 957 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 958 | XX | XX | XX | Original Term | 470 | 360 | Verified |
| 958 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 958 | XX | XX | XX | Original Interest Rate |  | 8.125 | Verified |
| 958 | XX | XX | XX | Original P&I |  | 2292.46 | Verified |
| 958 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 958 | XX | XX | XX | Representative FICO | 0 | 618 | Verified |
| 958 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 958 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 958 | XX | XX | XX | Margin |  | 7.25 | Verified |
| 958 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-02-01 | Verified |
| 958 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 958 | XX | XX | XX | Interest Rate Life Min |  | 7.25 | Verified |
| 958 | XX | XX | XX | Interest Rate Life Max |  | 14.125 | Verified |
| 958 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 958 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 959 | XX | XX | XX | Original Interest Rate |  | 7.78 | Verified |
| 959 | XX | XX | XX | Original P&I |  | 1120.84 | Verified |
| 959 | XX | XX | XX | Representative FICO | 0 | 706 | Verified |
| 959 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 960 | XX | XX | XX | Original Term | 465 | 360 | Verified |
| 960 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 960 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 960 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 960 | XX | XX | XX | Margin |  | 2.75 | Verified |
| 960 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-11-01 | Verified |
| 960 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 960 | XX | XX | XX | Interest Rate Life Min |  | 2.75 | Verified |
| 960 | XX | XX | XX | Interest Rate Life Max |  | 12.125 | Verified |
| 960 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 960 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 961 | XX | XX | XX | Original Term | 485 | 360 | Verified |
| 961 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 961 | XX | XX | XX | Original Interest Rate |  | 5.375 | Verified |
| 961 | XX | XX | XX | Original P&I |  | 678.35 | Verified |
| 961 | XX | XX | XX | Representative FICO | 300 |  | Verified |
| 961 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 961 | XX | XX | XX | Refi Purpose | Rate/Term | Streamlined | Verified |
| 961 | XX | XX | XX | Original LTV | 96.91 |  | Verified |
| 961 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 962 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 962 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 962 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 962 | XX | XX | XX | Doc Type |  | Full | Verified |
| 962 | XX | XX | XX | Interest Rate Life Min | 2.25 | 6.54 | Verified |
| 962 | XX | XX | XX | Refi Purpose |  | Rate/Term | Verified |
| 962 | XX | XX | XX | Interest Only Period Expiration Date |  | 2010-04-01 | Verified |
| 963 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 963 | XX | XX | XX | Property Type | Single Family | Manufactured Housing | Verified |
| 963 | XX | XX | XX | Purpose | Refinance | Purchase | Verified |
| 963 | XX | XX | XX | Next Interest Rate Change Date | 2018-09-01 | 2018-08-01 | Verified |
| 963 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 963 | XX | XX | XX | Original LTV | 799.5 | 80 | Verified |
| 963 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 964 | XX | XX | XX | Original Term | 480 | 360 | Verified |
| 964 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 964 | XX | XX | XX | Representative FICO | 560 | 744 | Verified |
| 965 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 965 | XX | XX | XX | Refi Purpose | Cash-out | Rate/Term | Verified |
| 966 | XX | XX | XX | Original Term | 563 | 360 | Verified |
| 966 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 966 | XX | XX | XX | Representative FICO | 0 | 804 | Verified |
| 966 | XX | XX | XX | Doc Type | Stated | SISA | Verified |
| 967 | XX | XX | XX | Original P&I |  | 660.11 | Verified |
| 967 | XX | XX | XX | Representative FICO | 0 |  | Verified |
| 967 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 967 | XX | XX | XX | Purpose |  | Purchase | Verified |
| 967 | XX | XX | XX | Doc Type |  | Full | Verified |
| 967 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 967 | XX | XX | XX | Original LTV | 95.47 | 97 | Verified |
| 968 | XX | XX | XX | City | XX | XX | Verified |
| 968 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 968 | XX | XX | XX | Original Term | 482 | 360 | Verified |
| 968 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 968 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 969 | XX | XX | XX | Note Date | XX | XX | Verified |
| 969 | XX | XX | XX | Original Term | 523 | 360 | Verified |
| 969 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 969 | XX | XX | XX | Representative FICO | 0 | 448 | Verified |
| 969 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 969 | XX | XX | XX | Original LTV | 194.12 | 100 | Verified |
| 969 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 970 | XX | XX | XX | Original Term | 506 | 360 | Verified |
| 970 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 970 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 970 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 970 | XX | XX | XX | Margin |  | 6.95 | Verified |
| 970 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-06-01 | Verified |
| 970 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 970 | XX | XX | XX | Interest Rate Life Min |  | 7.5 | Verified |
| 970 | XX | XX | XX | Interest Rate Life Max |  | 12.5 | Verified |
| 970 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 971 | XX | XX | XX | Original Term | 490 | 480 | Verified |
| 971 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 971 | XX | XX | XX | Original P&I |  | 1059.38 | Verified |
| 971 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 971 | XX | XX | XX | Representative FICO | 0 | 628 | Verified |
| 971 | XX | XX | XX | Doc Type |  | SIVA | Verified |
| 971 | XX | XX | XX | Index Type |  | MTA - 12 Month | Verified |
| 971 | XX | XX | XX | Margin |  | 3.7 | Verified |
| 971 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-02-01 | Verified |
| 971 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 971 | XX | XX | XX | Interest Rate Life Min |  | 3.7 | Verified |
| 971 | XX | XX | XX | Interest Rate Life Max |  | 9.95 | Verified |
| 971 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 971 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 972 | XX | XX | XX | Original Interest Rate | 4.875 | 5.875 | Verified |
| 972 | XX | XX | XX | Original P&I |  | 1869.26 | Verified |
| 972 | XX | XX | XX | Representative FICO | 0 | 671 | Verified |
| 972 | XX | XX | XX | Doc Type |  | Full | Verified |
| 972 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 973 | XX | XX | XX | Original P&I |  | 2566.67 | Verified |
| 973 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 973 | XX | XX | XX | Representative FICO | 0 | 749 | Verified |
| 973 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 973 | XX | XX | XX | Doc Type | Reduced | Stated | Verified |
| 973 | XX | XX | XX | # of Units |  | 4 | Verified |
| 973 | XX | XX | XX | Interest Only Period Expiration Date |  | 2015-12-01 | Verified |
| 974 | XX | XX | XX | Original Term | 578 | 360 | Verified |
| 974 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 974 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 974 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 974 | XX | XX | XX | Doc Type |  | Reduced | Verified |
| 974 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 974 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 974 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-05-01 | Verified |
| 974 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 974 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 974 | XX | XX | XX | Interest Rate Life Max |  | 11 | Verified |
| 974 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 974 | XX | XX | XX | Refi Purpose |  | Cash-out - Other | Verified |
| 974 | XX | XX | XX | Original LTV | 79.12 | 74.72 | Verified |
| 974 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 975 | XX | XX | XX | Original Term | 362 | 360 | Verified |
| 975 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 975 | XX | XX | XX | Original P&I |  | 1131.81 | Verified |
| 975 | XX | XX | XX | Representative FICO | 0 | 631 | Verified |
| 975 | XX | XX | XX | Doc Type | Reduced | Full | Verified |
| 975 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 975 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 975 | XX | XX | XX | PMI Coverage % |  | 35 | Verified |
| 976 | XX | XX | XX | Original Term | 556 | 360 | Verified |
| 976 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 976 | XX | XX | XX | Original Interest Rate | 2 | 1 | Verified |
| 976 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 976 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 976 | XX | XX | XX | Doc Type |  | SIVA | Verified |
| 976 | XX | XX | XX | Index Type |  | MTA - 12 Month | Verified |
| 976 | XX | XX | XX | Margin |  | 3.45 | Verified |
| 976 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-02-01 | Verified |
| 976 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 976 | XX | XX | XX | Interest Rate Life Min |  | 3.45 | Verified |
| 976 | XX | XX | XX | Interest Rate Life Max |  | 9.95 | Verified |
| 976 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 976 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 976 | XX | XX | XX | Refi Purpose |  | Cash-out - Other | Verified |
| 976 | XX | XX | XX | Maximum Balance % |  | 115 | Verified |
| 976 | XX | XX | XX | Neg Am | 0 | 1 | Verified |
| 977 | XX | XX | XX | Street | XX | XX | Verified |
| 977 | XX | XX | XX | City | XX | XX | Verified |
| 977 | XX | XX | XX | Zip | XX | XX | Verified |
| 977 | XX | XX | XX | Original Term | 498 | 480 | Verified |
| 977 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 977 | XX | XX | XX | Original Interest Rate | 2.5 | 6 | Verified |
| 977 | XX | XX | XX | Original P&I |  | 1025.00 | Verified |
| 977 | XX | XX | XX | Representative FICO | 771 | 722 | Verified |
| 977 | XX | XX | XX | Property Type | Single Family | Manufactured Housing | Verified |
| 977 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 977 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 977 | XX | XX | XX | Interest Only Period Expiration Date |  | 2016-11-01 | Verified |
| 978 | XX | XX | XX | Original P&I |  | 1414.94 | Verified |
| 978 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 978 | XX | XX | XX | Refi Purpose | Cash-out | Rate/Term | Verified |
| 979 | XX | XX | XX | Original Term | 578 | 360 | Verified |
| 979 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 979 | XX | XX | XX | Original Interest Rate | 6 | 8.5 | Verified |
| 979 | XX | XX | XX | Original P&I |  | 1738.90 | Verified |
| 979 | XX | XX | XX | Representative FICO | 0 |  | Verified |
| 979 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 979 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 979 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 979 | XX | XX | XX | Original LTV | 79.35 | 75.38 | Verified |
| 979 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 980 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 980 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 980 | XX | XX | XX | Representative FICO | 531 |  | Verified |
| 980 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 980 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 980 | XX | XX | XX | Original LTV | 77.21 |  | Verified |
| 980 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 981 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 981 | XX | XX | XX | Index Type | US Treasury - 1 Year CMT (Daily) | MTA - 12 Month | Verified |
| 981 | XX | XX | XX | Next Interest Rate Change Date | 2018-04-01 | 2018-02-01 | Verified |
| 981 | XX | XX | XX | Maximum Balance % |  | 115 | Verified |
| 981 | XX | XX | XX | Neg Am | 0 | 1 | Verified |
| 982 | XX | XX | XX | Original P&I |  | 1244.03 | Verified |
| 982 | XX | XX | XX | Representative FICO | 626 | 725 | Verified |
| 982 | XX | XX | XX | Property Type | Single Family | Manufactured Housing | Verified |
| 982 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 982 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 982 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 982 | XX | XX | XX | Interest Only Period Expiration Date |  | 2017-03-01 | Verified |
| 983 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 983 | XX | XX | XX | Representative FICO | 0 |  | Verified |
| 983 | XX | XX | XX | Purpose | Purchase | UTD | Verified |
| 983 | XX | XX | XX | Doc Type | NINA | UTD | Verified |
| 983 | XX | XX | XX | Index Type |  | MTA - 12 Month | Verified |
| 983 | XX | XX | XX | Margin |  | 3.25 | Verified |
| 983 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-02-01 | Verified |
| 983 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 983 | XX | XX | XX | Interest Rate Life Min |  | 3.25 | Verified |
| 983 | XX | XX | XX | Interest Rate Life Max |  | 10.95 | Verified |
| 983 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 983 | XX | XX | XX | Refi Purpose |  | UTD | Verified |
| 983 | XX | XX | XX | Original LTV | 55.81 |  | Verified |
| 983 | XX | XX | XX | Maximum Balance % |  | 120 | Verified |
| 983 | XX | XX | XX | Neg Am | 0 | 1 | Verified |
| 984 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 984 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 984 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 984 | XX | XX | XX | Margin |  | 6.98 | Verified |
| 984 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-06-01 | Verified |
| 984 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 984 | XX | XX | XX | Interest Rate Life Min |  | 9.79 | Verified |
| 984 | XX | XX | XX | Interest Rate Life Max |  | 15.79 | Verified |
| 984 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 985 | XX | XX | XX | Original Term | 624 | 240 | Verified |
| 985 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 985 | XX | XX | XX | Original Interest Rate | 6 | 9.59 | Verified |
| 985 | XX | XX | XX | Original P&I | 398.35 | 595.49 | Verified |
| 985 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 985 | XX | XX | XX | Representative FICO | 554 |  | Verified |
| 985 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 985 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 985 | XX | XX | XX | Index Type |  | Prime | Verified |
| 985 | XX | XX | XX | Margin |  | 5.59 | Verified |
| 985 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-05 | Verified |
| 985 | XX | XX | XX | Interest Rate Change Frequency |  | 3 | Verified |
| 985 | XX | XX | XX | Interest Rate Life Min |  | 5 | Verified |
| 985 | XX | XX | XX | Interest Rate Life Max |  | 12 | Verified |
| 985 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 985 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 985 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 985 | XX | XX | XX | Original LTV | 22.67 | 43.48 | Verified |
| 985 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 986 | XX | XX | XX | Original Term | 374 | 360 | Verified |
| 986 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 986 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 987 | XX | XX | XX | Representative FICO | 0 | 589 | Verified |
| 987 | XX | XX | XX | Doc Type |  | Full | Verified |
| 988 | XX | XX | XX | Original Term | 364 | 360 | Verified |
| 988 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 988 | XX | XX | XX | Original Interest Rate |  | 5.5 | Verified |
| 988 | XX | XX | XX | Original P&I |  | 561.90 | Verified |
| 988 | XX | XX | XX | Representative FICO | 0 |  | Verified |
| 988 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 988 | XX | XX | XX | # of Units |  | 1 | Verified |
| 988 | XX | XX | XX | Original LTV | 86.05 | 94.66 | Verified |
| 988 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 989 | XX | XX | XX | Original Term | 536 | 360 | Verified |
| 989 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 989 | XX | XX | XX | Original Interest Rate | 9.84 | 9.27 | Verified |
| 989 | XX | XX | XX | Original P&I |  | 851.28 | Verified |
| 989 | XX | XX | XX | Representative FICO | 0 |  | Verified |
| 989 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 989 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 989 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 990 | XX | XX | XX | Original Term | 489 | 360 | Verified |
| 990 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 990 | XX | XX | XX | Original Interest Rate | 6.23 | 6.225 | Verified |
| 990 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 990 | XX | XX | XX | Representative FICO | 650 | 641 | Verified |
| 990 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 990 | XX | XX | XX | Margin |  | 5.95 | Verified |
| 990 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-02-01 | Verified |
| 990 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 990 | XX | XX | XX | Interest Rate Life Min |  | 5.95 | Verified |
| 990 | XX | XX | XX | Interest Rate Life Max |  | 13.225 | Verified |
| 990 | XX | XX | XX | Interest Rate Periodic Cap |  | 1.5 | Verified |
| 833 | XX | XX | XX | Street | XX | XX | Verified |
| 833 | XX | XX | XX | Original Interest Rate |  | 7.5 | Verified |
| 833 | XX | XX | XX | Property Type | Single Family Detached | 2 Family | Verified |
| 833 | XX | XX | XX | Purpose | Refinance | Purchase | Verified |
| 833 | XX | XX | XX | Refi Purpose | Cash-out - Other |  | Verified |
| 834 | XX | XX | XX | Note Date | XX | XX | Verified |
| 834 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 835 | XX | XX | XX | Note Date | XX | XX | Verified |
| 835 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 835 | XX | XX | XX | Doc Type | Stated | No Ratio | Verified |
| 835 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| 835 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 836 | XX | XX | XX | Note Date | XX | XX | Verified |
| 836 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 836 | XX | XX | XX | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| 837 | XX | XX | XX | Note Date | XX | XX | Verified |
| 837 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 838 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 838 | XX | XX | XX | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| 838 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 839 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 839 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 839 | XX | XX | XX | Doc Type |  | No Doc | Verified |
| 839 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 840 | XX | XX | XX | Note Date | XX | XX | Verified |
| 840 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 840 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 840 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 841 | XX | XX | XX | Note Date | XX | XX | Verified |
| 841 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 841 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 841 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 842 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 842 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 842 | XX | XX | XX | Margin |  | 6 | Verified |
| 842 | XX | XX | XX | Interest Rate Life Min |  | 7.3 | Verified |
| 842 | XX | XX | XX | Interest Rate Life Max |  | 13.3 | Verified |
| 842 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 842 | XX | XX | XX | First Payment Change Date |  | 2007-09-01 | Verified |
| 842 | XX | XX | XX | Refi Purpose | Cash-out - Other | UTD | Verified |
| 842 | XX | XX | XX | Interest Rate Initial Cap |  | 2 | Verified |
| 842 | XX | XX | XX | Payment Change Frequency |  | 6 | Verified |
| 843 | XX | XX | XX | Note Date | XX | XX | Verified |
| 843 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 843 | XX | XX | XX | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| 844 | XX | XX | XX | Note Date | XX | XX | Verified |
| 844 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 845 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 845 | XX | XX | XX | Original Interest Rate | 5.4 | 7.9 | Verified |
| 845 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 845 | XX | XX | XX | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| 846 | XX | XX | XX | Note Date | XX | XX | Verified |
| 846 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 846 | XX | XX | XX | Original Interest Rate |  | 5.125 | Verified |
| 846 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 846 | XX | XX | XX | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| 846 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 847 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 847 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 847 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 848 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 848 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 848 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| 849 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 849 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 849 | XX | XX | XX | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| 850 | XX | XX | XX | Original Interest Rate |  | 6.375 | Verified |
| 850 | XX | XX | XX | Doc Type | Stated | Full | Verified |
| 851 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 851 | XX | XX | XX | Original Interest Rate |  | 5.75 | Verified |
| 851 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 851 | XX | XX | XX | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| 852 | XX | XX | XX | Occupancy | Primary | Second Home | Verified |
| 853 | XX | XX | XX | Original Interest Rate |  | 1.5 | Verified |
| 853 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 853 | XX | XX | XX | Doc Type | Stated | Reduced | Verified |
| 853 | XX | XX | XX | Index Type |  | MTA - 12 Month | Verified |
| 853 | XX | XX | XX | Margin |  | 3.325 | Verified |
| 853 | XX | XX | XX | Interest Rate Life Min |  | 3.325 | Verified |
| 853 | XX | XX | XX | Interest Rate Life Max |  | 9.95 | Verified |
| 853 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 853 | XX | XX | XX | First Payment Change Date |  | 2007-03-01 | Verified |
| 853 | XX | XX | XX | Interest Rate Initial Cap |  | 8.45 | Verified |
| 853 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 854 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 854 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 854 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 854 | XX | XX | XX | Purpose | Refinance | Purchase | Verified |
| 854 | XX | XX | XX | Refi Purpose | Cash-out - Other |  | Verified |
| 855 | XX | XX | XX | Note Date | XX | XX | Verified |
| 855 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 855 | XX | XX | XX | Property Type | Single Family Detached | PUD | Verified |
| 855 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 855 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 855 | XX | XX | XX | Refi Purpose |  | Cash-out - Other | Verified |
| 855 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 856 | XX | XX | XX | Note Date | XX | XX | Verified |
| 856 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 856 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 856 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 856 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 856 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 856 | XX | XX | XX | Margin |  | 6.75 | Verified |
| 856 | XX | XX | XX | Interest Rate Life Min |  | 10.89 | Verified |
| 856 | XX | XX | XX | Interest Rate Life Max |  | 17.89 | Verified |
| 856 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 856 | XX | XX | XX | First Payment Change Date |  | 2012-10-01 | Verified |
| 856 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 856 | XX | XX | XX | Interest Rate Initial Cap |  | 2 | Verified |
| 856 | XX | XX | XX | Payment Change Frequency |  | 6 | Verified |
| 856 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 857 | XX | XX | XX | Note Date | XX | XX | Verified |
| 857 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 857 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 858 | XX | XX | XX | Note Date | XX | XX | Verified |
| 858 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 858 | XX | XX | XX | Property Type | Single Family Detached | PUD | Verified |
| 858 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 858 | XX | XX | XX | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| 859 | XX | XX | XX | Original Interest Rate |  | 8.038 | Verified |
| 859 | XX | XX | XX | Occupancy | Primary | Investment | Verified |
| 859 | XX | XX | XX | Doc Type |  | Stated | Verified |
| 859 | XX | XX | XX | Margin | 2.68 | 2.7 | Verified |
| 859 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 859 | XX | XX | XX | First Payment Change Date | 2007-09-15 | 2008-08-15 | Verified |
| 859 | XX | XX | XX | Interest Rate Initial Cap |  | 4.212 | Verified |
| 860 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 861 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 861 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 861 | XX | XX | XX | Property Type | Single Family Detached | PUD | Verified |
| 861 | XX | XX | XX | Occupancy | Primary | Investment | Verified |
| 863 | XX | XX | XX | Original Interest Rate |  | 3.875 | Verified |
| 863 | XX | XX | XX | Property Type | Single Family Detached | PUD | Verified |
| 863 | XX | XX | XX | Doc Type |  | Full | Verified |
| 863 | XX | XX | XX | Interest Rate Life Min | 2 | 2.875 | Verified |
| 863 | XX | XX | XX | Interest Rate Life Max | 9.88 | 9.875 | Verified |
| 864 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 864 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 864 | XX | XX | XX | Original Interest Rate |  | 6 | Verified |
| 864 | XX | XX | XX | Doc Type | Stated | FastEasy | Verified |
| 865 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 865 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 865 | XX | XX | XX | Refi Purpose | Cash-out - Other | UTD | Verified |
| 865 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 866 | XX | XX | XX | Occupancy | Primary | UTD | Verified |
| 866 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 866 | XX | XX | XX | Refi Purpose | Cash-out - Other | UTD | Verified |
| 866 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 867 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 867 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 867 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 867 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 867 | XX | XX | XX | Margin |  | 5.95 | Verified |
| 867 | XX | XX | XX | Interest Rate Life Min |  | 8.05 | Verified |
| 867 | XX | XX | XX | Interest Rate Life Max |  | 15.05 | Verified |
| 867 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 867 | XX | XX | XX | First Payment Change Date |  | 2008-01-01 | Verified |
| 867 | XX | XX | XX | Interest Rate Initial Cap |  | 3 | Verified |
| 867 | XX | XX | XX | Payment Change Frequency |  | 6 | Verified |
| 867 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 868 | XX | XX | XX | Note Date | XX | XX | Verified |
| 868 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 868 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 868 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 868 | XX | XX | XX | Purpose |  | Purchase | Verified |
| 868 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 868 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 868 | XX | XX | XX | Margin |  | 3 | Verified |
| 868 | XX | XX | XX | Interest Rate Life Min |  | 3 | Verified |
| 868 | XX | XX | XX | Interest Rate Life Max |  | 11 | Verified |
| 868 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 868 | XX | XX | XX | First Payment Change Date |  | 2010-04-01 | Verified |
| 868 | XX | XX | XX | Interest Rate Initial Cap |  | 5 | Verified |
| 868 | XX | XX | XX | Payment Change Frequency |  | 6 | Verified |
| 869 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 869 | XX | XX | XX | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified |
| 869 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 869 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 869 | XX | XX | XX | Margin |  | 4.375 | Verified |
| 869 | XX | XX | XX | Interest Rate Life Min |  | 5.375 | Verified |
| 869 | XX | XX | XX | Interest Rate Life Max |  | 12.375 | Verified |
| 869 | XX | XX | XX | Interest Rate Periodic Cap |  | 1.5 | Verified |
| 869 | XX | XX | XX | First Payment Change Date |  | 2008-05-01 | Verified |
| 869 | XX | XX | XX | Interest Rate Initial Cap |  | 3 | Verified |
| 869 | XX | XX | XX | Payment Change Frequency |  | 6 | Verified |
| 869 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 870 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 870 | XX | XX | XX | Original Interest Rate | 5.99 | 5.999 | Verified |
| 870 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 870 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 870 | XX | XX | XX | Purpose |  | Purchase | Verified |
| 870 | XX | XX | XX | Doc Type |  | No Ratio | Verified |
| 870 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 870 | XX | XX | XX | Margin |  | 1.589 | Verified |
| 870 | XX | XX | XX | Interest Rate Life Min |  | 5.999 | Verified |
| 870 | XX | XX | XX | Interest Rate Life Max |  | 11.999 | Verified |
| 870 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 870 | XX | XX | XX | First Payment Change Date |  | 2009-01-01 | Verified |
| 870 | XX | XX | XX | Interest Rate Initial Cap |  | 3 | Verified |
| 870 | XX | XX | XX | Payment Change Frequency |  | 6 | Verified |
| 870 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 871 | XX | XX | XX | Original Interest Rate |  | 7.55 | Verified |
| 871 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 871 | XX | XX | XX | First Payment Change Date |  | 2008-09-01 | Verified |
| 871 | XX | XX | XX | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| 871 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 872 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 872 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 872 | XX | XX | XX | Original Interest Rate |  | 5.625 | Verified |
| 872 | XX | XX | XX | Occupancy | Investment | Primary | Verified |
| 873 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 873 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 873 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 873 | XX | XX | XX | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| 874 | XX | XX | XX | Note Date | XX | XX | Verified |
| 875 | XX | XX | XX | Note Date | XX | XX | Verified |
| 875 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 875 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 876 | XX | XX | XX | Note Date | XX | XX | Verified |
| 876 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 877 | XX | XX | XX | Original Interest Rate |  | 5.875 | Verified |
| 877 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 878 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 878 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 878 | XX | XX | XX | Doc Type |  | Full | Verified |
| 878 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 878 | XX | XX | XX | Margin |  | 6.5 | Verified |
| 878 | XX | XX | XX | Interest Rate Life Min |  | 8.8 | Verified |
| 878 | XX | XX | XX | Interest Rate Life Max |  | 14.8 | Verified |
| 878 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 878 | XX | XX | XX | First Payment Change Date |  | 2008-05-01 | Verified |
| 878 | XX | XX | XX | Refi Purpose |  | Cash-out - Other | Verified |
| 878 | XX | XX | XX | Interest Rate Initial Cap |  | 2 | Verified |
| 878 | XX | XX | XX | Payment Change Frequency |  | 6 | Verified |
| 879 | XX | XX | XX | Note Date | XX | XX | Verified |
| 879 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 879 | XX | XX | XX | Original Interest Rate | 4 | 7.75 | Verified |
| 879 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 879 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 879 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 879 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 879 | XX | XX | XX | Margin |  | 5.45 | Verified |
| 879 | XX | XX | XX | Interest Rate Life Min |  | 7.75 | Verified |
| 879 | XX | XX | XX | Interest Rate Life Max |  | 13.75 | Verified |
| 879 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 879 | XX | XX | XX | First Payment Change Date |  | 2009-11-01 | Verified |
| 879 | XX | XX | XX | Refi Purpose |  | Rate/Term | Verified |
| 879 | XX | XX | XX | Interest Rate Initial Cap |  | 3 | Verified |
| 879 | XX | XX | XX | Payment Change Frequency |  | 6 | Verified |
| 880 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 880 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 880 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 880 | XX | XX | XX | Doc Type |  | Full | Verified |
| 880 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 880 | XX | XX | XX | Margin |  | 5.875 | Verified |
| 880 | XX | XX | XX | Interest Rate Life Min |  | 8.25 | Verified |
| 880 | XX | XX | XX | Interest Rate Life Max |  | 14.25 | Verified |
| 880 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 880 | XX | XX | XX | First Payment Change Date |  | 2008-05-01 | Verified |
| 880 | XX | XX | XX | Refi Purpose |  | Rate/Term | Verified |
| 880 | XX | XX | XX | Interest Rate Initial Cap |  | 3 | Verified |
| 880 | XX | XX | XX | Payment Change Frequency |  | 6 | Verified |
| 880 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 880 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 881 | XX | XX | XX | Street | XX | XX | Verified |
| 881 | XX | XX | XX | City | XX | XX | Verified |
| 881 | XX | XX | XX | Note Date | XX | XX | Verified |
| 881 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 881 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 881 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 882 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 882 | XX | XX | XX | Original Interest Rate |  | 1 | Verified |
| 882 | XX | XX | XX | Interest Only | 1 |  | Verified |
| 882 | XX | XX | XX | Doc Type | Full | Stated | Verified |
| 882 | XX | XX | XX | Index Type | LIBOR - 1 Year (Daily) | MTA - 12 Month | Verified |
| 882 | XX | XX | XX | Margin | 2.25 | 3.55 | Verified |
| 882 | XX | XX | XX | Interest Rate Life Min | 2.25 | 3.55 | Verified |
| 882 | XX | XX | XX | Interest Rate Life Max | 6.5 | 9.95 | Verified |
| 882 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 882 | XX | XX | XX | First Payment Change Date | 2019-05-01 | 2006-03-01 | Verified |
| 882 | XX | XX | XX | Interest Rate Initial Cap | 2 | 8.95 | Verified |
| 883 | XX | XX | XX | Street | XX | XX | Verified |
| 883 | XX | XX | XX | Note Date | XX | XX | Verified |
| 883 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 883 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 883 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 884 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 884 | XX | XX | XX | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| 885 | XX | XX | XX | Zip | XX | XX | Verified |
| 885 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 885 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| 886 | XX | XX | XX | Street | XX | XX | Verified |
| 886 | XX | XX | XX | Note Date | XX | XX | Verified |
| 887 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 887 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 887 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 887 | XX | XX | XX | Doc Type |  | Full | Verified |
| 887 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 887 | XX | XX | XX | Margin |  | 6.38 | Verified |
| 887 | XX | XX | XX | Interest Rate Life Min |  | 8.27 | Verified |
| 887 | XX | XX | XX | Interest Rate Life Max |  | 14.77 | Verified |
| 887 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 887 | XX | XX | XX | First Payment Change Date |  | 2009-01-01 | Verified |
| 887 | XX | XX | XX | Refi Purpose |  | Limited Cash-out GSE | Verified |
| 887 | XX | XX | XX | Interest Rate Initial Cap |  | 3 | Verified |
| 887 | XX | XX | XX | Payment Change Frequency |  | 6 | Verified |
| 888 | XX | XX | XX | Note Date | XX | XX | Verified |
| 888 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 888 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 888 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 888 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 888 | XX | XX | XX | Property Type | Single Family Detached | PUD | Verified |
| 888 | XX | XX | XX | Purpose |  | Purchase | Verified |
| 888 | XX | XX | XX | Doc Type |  | Full | Verified |
| 888 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 888 | XX | XX | XX | Margin |  | 5.75 | Verified |
| 888 | XX | XX | XX | Interest Rate Life Min |  | 7.5 | Verified |
| 888 | XX | XX | XX | Interest Rate Life Max |  | 13.5 | Verified |
| 888 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 888 | XX | XX | XX | First Payment Change Date |  | 2009-04-01 | Verified |
| 888 | XX | XX | XX | Interest Rate Initial Cap |  | 3 | Verified |
| 888 | XX | XX | XX | Payment Change Frequency |  | 6 | Verified |
| 889 | XX | XX | XX | Street | XX | XX | Verified |
| 889 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 889 | XX | XX | XX | Original Interest Rate |  | 6.5 | Verified |
| 889 | XX | XX | XX | Occupancy | Investment | Primary | Verified |
| 889 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 890 | XX | XX | XX | Original Interest Rate |  | 6 | Verified |
| 890 | XX | XX | XX | Property Type | Single Family Detached | PUD | Verified |
| 890 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 890 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 891 | XX | XX | XX | Note Date | XX | XX | Verified |
| 891 | XX | XX | XX | Property Type | Single Family Detached | PUD | Verified |
| 891 | XX | XX | XX | Purpose |  | Purchase | Verified |
| 891 | XX | XX | XX | Doc Type |  | Stated | Verified |
| 891 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 892 | XX | XX | XX | Original Interest Rate |  | 6.75 | Verified |
| 892 | XX | XX | XX | Property Type | Single Family Detached | PUD | Verified |
| 892 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 892 | XX | XX | XX | PMI Coverage % |  | 20 | Verified |
| 893 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 893 | XX | XX | XX | Property Type |  | Single Family Detached | Verified |
| 893 | XX | XX | XX | Purpose | Refinance | Purchase | Verified |
| 893 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 894 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 894 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 894 | XX | XX | XX | Original Interest Rate | 6.5 | 6 | Verified |
| 894 | XX | XX | XX | Property Type | Single Family Detached | PUD | Verified |
| 895 | XX | XX | XX | Note Date | XX | XX | Verified |
| 895 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 895 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 895 | XX | XX | XX | Doc Type |  | Full | Verified |
| 895 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 896 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 896 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 897 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 897 | XX | XX | XX | Original Interest Rate |  | 9.19 | Verified |
| 897 | XX | XX | XX | Doc Type | Full | No Doc | Verified |
| 898 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 898 | XX | XX | XX | Original Interest Rate |  | 6.875 | Verified |
| 898 | XX | XX | XX | Property Type | Single Family Detached | PUD | Verified |
| 898 | XX | XX | XX | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| 898 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 898 | XX | XX | XX | PMI Coverage % |  | 12 | Verified |
| 899 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 899 | XX | XX | XX | Purpose | Refinance | Purchase | Verified |
| 899 | XX | XX | XX | Refi Purpose | Cash-out - Other |  | Verified |
| 899 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 899 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 900 | XX | XX | XX | Street | XX | XX | Verified |
| 900 | XX | XX | XX | Note Date | XX | XX | Verified |
| 900 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 900 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 900 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 900 | XX | XX | XX | Refi Purpose |  | Cash-out - Other | Verified |
| 900 | XX | XX | XX | Interest Rate Initial Cap |  | 5 | Verified |
| 901 | XX | XX | XX | Original Interest Rate |  | 7.2 | Verified |
| 901 | XX | XX | XX | First Payment Change Date |  | 2009-04-15 | Verified |
| 901 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 902 | XX | XX | XX | Note Date | XX | XX | Verified |
| 902 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 902 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 902 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 902 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 902 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 902 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 902 | XX | XX | XX | Interest Rate Life Max |  | 9.75 | Verified |
| 902 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 902 | XX | XX | XX | First Payment Change Date |  | 2013-09-01 | Verified |
| 902 | XX | XX | XX | Interest Rate Initial Cap |  | 5 | Verified |
| 902 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 902 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 903 | XX | XX | XX | Zip | XX | XX | Verified |
| 903 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 903 | XX | XX | XX | Original Interest Rate |  | 8.55 | Verified |
| 903 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 903 | XX | XX | XX | Property Type | 2 Family | 3 Family | Verified |
| 903 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 903 | XX | XX | XX | First Payment Change Date |  | 2007-11-15 | Verified |
| 903 | XX | XX | XX | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| 903 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 904 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 904 | XX | XX | XX | Amortization Type |  | ARM | Verified |
| 904 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 904 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 904 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 904 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 904 | XX | XX | XX | Interest Rate Life Max |  | 11.25 | Verified |
| 904 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 904 | XX | XX | XX | First Payment Change Date |  | 2012-06-01 | Verified |
| 904 | XX | XX | XX | Interest Rate Initial Cap |  | 5 | Verified |
| 904 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 905 | XX | XX | XX | Note Date | XX | XX | Verified |
| 905 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 905 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 905 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 906 | XX | XX | XX | Street | XX | XX | Verified |
| 906 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 906 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 906 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 906 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 906 | XX | XX | XX | Doc Type |  | Stated | Verified |
| 906 | XX | XX | XX | Refi Purpose |  | Cash-out - Other | Verified |
| 907 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 907 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 907 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 908 | XX | XX | XX | Street | XX | XX | Verified |
| 908 | XX | XX | XX | Note Date | XX | XX | Verified |
| 908 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 908 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 908 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| 909 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 909 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 909 | XX | XX | XX | Doc Type |  | Full | Verified |
| 909 | XX | XX | XX | Refi Purpose |  | Cash-out - Other | Verified |
| 909 | XX | XX | XX | PMI Coverage % | 0 |  | Verified |
| 910 | XX | XX | XX | Interest Rate Life Max | 9.88 | 9.875 | Verified |
| 911 | XX | XX | XX | Original Interest Rate |  | 6.875 | Verified |
| 911 | XX | XX | XX | Doc Type | Stated | Reduced | Verified |
| 911 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 911 | XX | XX | XX | First Payment Change Date | 2006-07-01 | 2007-06-01 | Verified |
| 911 | XX | XX | XX | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| 911 | XX | XX | XX | Interest Rate Initial Cap |  | 3.075 | Verified |
| 912 | XX | XX | XX | Street | XX | XX | Verified |
| 912 | XX | XX | XX | Original Interest Rate |  | 1.5 | Verified |
| 912 | XX | XX | XX | Property Type | 2 Family | 4 Family | Verified |
| 912 | XX | XX | XX | Doc Type | Full | Reduced | Verified |
| 912 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 912 | XX | XX | XX | First Payment Change Date | 2006-08-01 | 2007-07-01 | Verified |
| 912 | XX | XX | XX | Interest Rate Initial Cap |  | 9.95 | Verified |
| 913 | XX | XX | XX | Original Interest Rate |  | 8.5 | Verified |
| 913 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 913 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 913 | XX | XX | XX | Margin |  | 7.5 | Verified |
| 913 | XX | XX | XX | Interest Rate Life Min |  | 7.5 | Verified |
| 913 | XX | XX | XX | Interest Rate Life Max |  | 14.5 | Verified |
| 913 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 913 | XX | XX | XX | First Payment Change Date |  | 2009-09-01 | Verified |
| 913 | XX | XX | XX | Interest Rate Initial Cap |  | 3 | Verified |
| 913 | XX | XX | XX | Payment Change Frequency |  | 6 | Verified |
| 914 | XX | XX | XX | Zip | XX | XX | Verified |
| 914 | XX | XX | XX | Original Interest Rate |  | 7.125 | Verified |
| 914 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 914 | XX | XX | XX | PMI Coverage % |  | 35 | Verified |
| 915 | XX | XX | XX | Zip | XX | XX | Verified |
| 915 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 915 | XX | XX | XX | Doc Type | Stated | Full | Verified |
| 916 | XX | XX | XX | Original Interest Rate |  | 1 | Verified |
| 916 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 916 | XX | XX | XX | Property Type | Single Family Detached | Single Family Attached | Verified |
| 916 | XX | XX | XX | Doc Type | Stated | Reduced | Verified |
| 916 | XX | XX | XX | Index Type |  | MTA - 12 Month | Verified |
| 916 | XX | XX | XX | Margin |  | 2.725 | Verified |
| 916 | XX | XX | XX | Interest Rate Life Min |  | 2.725 | Verified |
| 916 | XX | XX | XX | Interest Rate Life Max |  | 9.95 | Verified |
| 916 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 916 | XX | XX | XX | First Payment Change Date |  | 2007-02-01 | Verified |
| 916 | XX | XX | XX | Interest Rate Initial Cap |  | 8.95 | Verified |
| 916 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 917 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 917 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 917 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 917 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 917 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 917 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 917 | XX | XX | XX | Interest Rate Life Min |  | 5 | Verified |
| 917 | XX | XX | XX | Interest Rate Life Max |  | 11.25 | Verified |
| 917 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 917 | XX | XX | XX | First Payment Change Date |  | 2013-12-01 | Verified |
| 917 | XX | XX | XX | Interest Rate Initial Cap |  | 5 | Verified |
| 917 | XX | XX | XX | Payment Change Frequency |  | 12 | Verified |
| 918 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 918 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| 919 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 919 | XX | XX | XX | Original Interest Rate |  | 5.25 | Verified |
| 919 | XX | XX | XX | Amortization Type |  | Fixed | Verified |
| 919 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 919 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 920 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 920 | XX | XX | XX | Original Interest Rate | 4.564 | 8.9 | Verified |
| 920 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 920 | XX | XX | XX | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| 921 | XX | XX | XX | Note Date | XX | XX | Verified |
| 921 | XX | XX | XX | Property Type | Single Family Detached | Manufactured Housing | Verified |
| 921 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 922 | XX | XX | XX | Note Date | XX | XX | Verified |
| 922 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 922 | XX | XX | XX | Occupancy | Primary | Investment | Verified |
| 1012 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1012 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1012 | XX | XX | XX | Property Type | Multi Family | Single Family Detached | Verified |
| 1012 | XX | XX | XX | Doc Type | Stated | SISA | Verified |
| 1013 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1013 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1013 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1013 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1013 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 1013 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1013 | XX | XX | XX | Interest Only Period |  | 60 | Verified |
| 1013 | XX | XX | XX | Doc Type | Alt | UTD | Verified |
| 1013 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 1013 | XX | XX | XX | Margin |  | 3 | Verified |
| 1013 | XX | XX | XX | First Interest Rate Change Date |  | 2011-01-01 | Verified |
| 1013 | XX | XX | XX | Next Interest Rate Change Date |  | 2019-01-01 | Verified |
| 1013 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1013 | XX | XX | XX | Interest Rate Life Min |  | 3 | Verified |
| 1013 | XX | XX | XX | Interest Rate Life Max |  | 12 | Verified |
| 1013 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1013 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1014 | XX | XX | XX | Street | XX | XX | Verified |
| 1014 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1014 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1014 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1015 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1015 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1015 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1015 | XX | XX | XX | Doc Type | Alt | UTD | Verified |
| 1015 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 1015 | XX | XX | XX | Margin |  | 3.25 | Verified |
| 1015 | XX | XX | XX | First Interest Rate Change Date |  | 2009-08-01 | Verified |
| 1015 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-08-01 | Verified |
| 1015 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1015 | XX | XX | XX | Interest Rate Life Min |  | 3.25 | Verified |
| 1015 | XX | XX | XX | Interest Rate Life Max |  | 12.75 | Verified |
| 1015 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1015 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1016 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1016 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 1016 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1017 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1017 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1017 | XX | XX | XX | Doc Type | Stated | Alt | Verified |
| 1018 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1019 | XX | XX | XX | Doc Type | Full | SIVA | Verified |
| 1020 | XX | XX | XX | Street | XX | XX | Verified |
| 1020 | XX | XX | XX | Doc Type | Full | Reduced | Verified |
| 1021 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1021 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1021 | XX | XX | XX | Doc Type | Full | SISA | Verified |
| 1022 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1022 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1022 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1023 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1023 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1024 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1025 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1025 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1025 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1025 | XX | XX | XX | Occupancy | Investment | Primary | Verified |
| 1025 | XX | XX | XX | Doc Type | No Doc | Full | Verified |
| 1025 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 1025 | XX | XX | XX | Margin |  | 5 | Verified |
| 1025 | XX | XX | XX | First Interest Rate Change Date |  | 2005-03-01 | Verified |
| 1025 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-03-01 | Verified |
| 1025 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1025 | XX | XX | XX | Interest Rate Life Min |  | 5.5 | Verified |
| 1025 | XX | XX | XX | Interest Rate Life Max |  | 13.5 | Verified |
| 1025 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 1025 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 1026 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1026 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1026 | XX | XX | XX | Doc Type | Full | Streamline | Verified |
| 1027 | XX | XX | XX | Purpose | Purchase | Refinance | Verified |
| 1027 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1028 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1028 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1029 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1029 | XX | XX | XX | Doc Type | Full | Stated | Verified |
| 1030 | XX | XX | XX | Street | XX | XX | Verified |
| 1030 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1030 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1030 | XX | XX | XX | Purpose | Construction | Construction-Permanent | Verified |
| 1030 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1031 | XX | XX | XX | Street | XX | XX | Verified |
| 1031 | XX | XX | XX | Doc Type | Alt | UTD | Verified |
| 1032 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1032 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1032 | XX | XX | XX | Property Type | Townhouse | Single Family Attached | Verified |
| 1033 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1033 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1033 | XX | XX | XX | Doc Type | Alt | UTD | Verified |
| 1034 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1034 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1035 | XX | XX | XX | Street | XX | XX | Verified |
| 1035 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1035 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1035 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1036 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1036 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1036 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1036 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 1036 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 1036 | XX | XX | XX | Margin |  | 5 | Verified |
| 1036 | XX | XX | XX | First Interest Rate Change Date |  | 2008-04-01 | Verified |
| 1036 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 1036 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1036 | XX | XX | XX | Interest Rate Life Min |  | 5 | Verified |
| 1036 | XX | XX | XX | Interest Rate Life Max |  | 16.375 | Verified |
| 1036 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1036 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1036 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1037 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1037 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 1038 | XX | XX | XX | Zip | XX | XX | Verified |
| 1038 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1038 | XX | XX | XX | Doc Type |  | Full | Verified |
| 1039 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1039 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1039 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1039 | XX | XX | XX | Doc Type |  | Full | Verified |
| 1040 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1040 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 1041 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1041 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1041 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1041 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1042 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1042 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1042 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1042 | XX | XX | XX | Property Type | Mobile Home | Single Family Detached | Verified |
| 1042 | XX | XX | XX | Purpose | Refinance | Construction-Permanent | Verified |
| 1042 | XX | XX | XX | Doc Type | Stated | Full | Verified |
| 1042 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 1042 | XX | XX | XX | Margin |  | 2.75 | Verified |
| 1042 | XX | XX | XX | First Interest Rate Change Date |  | 2009-02-01 | Verified |
| 1042 | XX | XX | XX | Next Interest Rate Change Date |  | 2019-02-01 | Verified |
| 1042 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1042 | XX | XX | XX | Interest Rate Life Min |  | 2.75 | Verified |
| 1042 | XX | XX | XX | Interest Rate Life Max |  | 10 | Verified |
| 1042 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1042 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1042 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1043 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1043 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1044 | XX | XX | XX | Doc Type |  | Full | Verified |
| 1045 | XX | XX | XX | Street | XX | XX | Verified |
| 1045 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 1045 | XX | XX | XX | Doc Type | No Ratio | UTD | Verified |
| 1046 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1046 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1046 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1046 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 1046 | XX | XX | XX | Purpose |  | Purchase | Verified |
| 1046 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 1046 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 1046 | XX | XX | XX | Margin |  | 2.875 | Verified |
| 1046 | XX | XX | XX | First Interest Rate Change Date |  | 1999-07-01 | Verified |
| 1046 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-07-01 | Verified |
| 1046 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1046 | XX | XX | XX | Interest Rate Life Min |  | 2.875 | Verified |
| 1046 | XX | XX | XX | Interest Rate Life Max |  | 14.125 | Verified |
| 1046 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1046 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1047 | XX | XX | XX | Street | XX | XX | Verified |
| 1047 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1047 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1047 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 1047 | XX | XX | XX | Interest Only Period |  | 60 | Verified |
| 1047 | XX | XX | XX | Purpose | Purchase | UTD | Verified |
| 1047 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1047 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 1047 | XX | XX | XX | Margin |  | 2 | Verified |
| 1047 | XX | XX | XX | First Interest Rate Change Date |  | 2009-05-01 | Verified |
| 1047 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-05-01 | Verified |
| 1047 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1047 | XX | XX | XX | Interest Rate Life Min |  | 2 | Verified |
| 1047 | XX | XX | XX | Interest Rate Life Max |  | 9.875 | Verified |
| 1047 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1047 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1048 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1049 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1050 | XX | XX | XX | Street | XX | XX | Verified |
| 1050 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1050 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1050 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1050 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1050 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 1050 | XX | XX | XX | Margin |  | 5 | Verified |
| 1050 | XX | XX | XX | First Interest Rate Change Date |  | 2007-12-01 | Verified |
| 1050 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-12-01 | Verified |
| 1050 | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified |
| 1050 | XX | XX | XX | Interest Rate Life Min |  | 5 | Verified |
| 1050 | XX | XX | XX | Interest Rate Life Max |  | 13 | Verified |
| 1050 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 1050 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 1050 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 1051 | XX | XX | XX | City | XX | XX | Verified |
| 1051 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 1052 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 1052 | XX | XX | XX | Doc Type |  | Streamline | Verified |
| 1053 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1053 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 1053 | XX | XX | XX | Occupancy |  | Primary | Verified |
| 1053 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 1053 | XX | XX | XX | Index Type | COFI | GDW-COSI | Verified |
| 1054 | XX | XX | XX | Doc Type |  | Streamline | Verified |
| 1055 | XX | XX | XX | Street | XX | XX | Verified |
| 1055 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 1055 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1055 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1055 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1055 | XX | XX | XX | Interest Only | 1 |  | Verified |
| 1055 | XX | XX | XX | Interest Only Period | 121 |  | Verified |
| 1055 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 1055 | XX | XX | XX | Margin |  | 6.73 | Verified |
| 1055 | XX | XX | XX | First Interest Rate Change Date |  | 2008-11-01 | Verified |
| 1055 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-05-01 | Verified |
| 1055 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 1055 | XX | XX | XX | Interest Rate Life Min |  | 8.99 | Verified |
| 1055 | XX | XX | XX | Interest Rate Life Max |  | 15.49 | Verified |
| 1055 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 1055 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 1056 | XX | XX | XX | Doc Type | SISA | UTD | Verified |
| 1057 | XX | XX | XX | Doc Type | SISA | Stated | Verified |
| 1058 | XX | XX | XX | Zip | XX | XX | Verified |
| 1058 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1058 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 1058 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1058 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 1058 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 1058 | XX | XX | XX | First Interest Rate Change Date |  | 2012-08-01 | Verified |
| 1058 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-08-01 | Verified |
| 1058 | XX | XX | XX | Interest Rate Change Frequency |  | 6 | Verified |
| 1058 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 1058 | XX | XX | XX | Interest Rate Life Max |  | 12.5 | Verified |
| 1058 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 1058 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 1059 | XX | XX | XX | Street | XX | XX | Verified |
| 1059 | XX | XX | XX | Note Date | XX | XX | Verified |
| 1059 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 1059 | XX | XX | XX | Amortization Type | Fixed | ARM | Verified |
| 1059 | XX | XX | XX | Doc Type |  | Full | Verified |
| 1059 | XX | XX | XX | Index Type |  | GDW-COSI | Verified |
| 1059 | XX | XX | XX | Margin |  | 2.9 | Verified |
| 1059 | XX | XX | XX | First Interest Rate Change Date |  | 2006-11-15 | Verified |
| 1059 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-03-15 | Verified |
| 1059 | XX | XX | XX | Interest Rate Change Frequency |  | 1 | Verified |
| 1059 | XX | XX | XX | Interest Rate Life Min |  | 2.9 | Verified |
| 1059 | XX | XX | XX | Interest Rate Life Max |  | 11.95 | Verified |
| 1059 | XX | XX | XX | Interest Rate Periodic Floor |  | 0 | Verified |
| 1059 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 585 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 585 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 585 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 585 | XX | XX | XX | Margin |  | 5.75 | Verified |
| 585 | XX | XX | XX | First Interest Rate Change Date |  | 2010-04-01 | Verified |
| 585 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 585 | XX | XX | XX | Interest Rate Life Min |  | 6.5 | Verified |
| 585 | XX | XX | XX | Interest Rate Life Max |  | 13.5 | Verified |
| 585 | XX | XX | XX | Interest Rate Periodic Floor |  | 1.5 | Verified |
| 585 | XX | XX | XX | Interest Rate Periodic Cap |  | 1.5 | Verified |
| 585 | XX | XX | XX | First Payment Change Date |  | 2010-05-01 | Verified |
| 585 | XX | XX | XX | Next Payment Change Date |  | 2017-11-01 | Verified |
| 585 | XX | XX | XX | Rounding Factor |  | 0.000 | Verified |
| 586 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 586 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 586 | XX | XX | XX | Interest Collection Type | In Arrears | Daily Simple | Verified |
| 586 | XX | XX | XX | Prepayment Penalty Period (months) |  | 24 | Verified |
| 587 | XX | XX | XX | Original Term | 397 | 360 | Verified |
| 587 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 587 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 587 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 587 | XX | XX | XX | Margin |  | 6 | Verified |
| 587 | XX | XX | XX | First Interest Rate Change Date |  | 2009-02-01 | Verified |
| 587 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-02-01 | Verified |
| 587 | XX | XX | XX | Interest Rate Life Min |  | 6 | Verified |
| 587 | XX | XX | XX | Interest Rate Life Max |  | 15.99 | Verified |
| 587 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 587 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 587 | XX | XX | XX | First Payment Change Date |  | 2009-03-01 | Verified |
| 587 | XX | XX | XX | Next Payment Change Date |  | 2018-03-01 | Verified |
| 587 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 588 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 588 | XX | XX | XX | Original Term | 613 | 360 | Verified |
| 588 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 588 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 588 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 588 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 588 | XX | XX | XX | Margin |  | 8 | Verified |
| 588 | XX | XX | XX | First Interest Rate Change Date |  | 2008-01-01 | Verified |
| 588 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-01-01 | Verified |
| 588 | XX | XX | XX | Interest Rate Life Min |  | 8 | Verified |
| 588 | XX | XX | XX | Interest Rate Life Max |  | 15.99 | Verified |
| 588 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 588 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 588 | XX | XX | XX | First Payment Change Date |  | 2008-02-01 | Verified |
| 588 | XX | XX | XX | Next Payment Change Date |  | 2018-02-01 | Verified |
| 588 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 589 | XX | XX | XX | Doc Type | Stated | Full | Verified |
| 589 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 590 | XX | XX | XX | Doc Type | NINA | UTD | Verified |
| 590 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 591 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 591 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 591 | XX | XX | XX | Original CLTV | 78.87 |  | Verified |
| 591 | XX | XX | XX | Original LTV | 78.87 |  | Verified |
| 591 | XX | XX | XX | Interest Only Period Expiration Date |  | 2016-02-01 | Verified |
| 591 | XX | XX | XX | Other Financing - Lien Position 2 - Current Balance |  | 17500.00 | Verified |
| 591 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 592 | XX | XX | XX | Original Term | 518 | 360 | Verified |
| 592 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 592 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 592 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 592 | XX | XX | XX | Margin |  | 4.85 | Verified |
| 592 | XX | XX | XX | First Interest Rate Change Date |  | 2006-11-01 | Verified |
| 592 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-11-01 | Verified |
| 592 | XX | XX | XX | Interest Rate Life Min |  | 6.6 | Verified |
| 592 | XX | XX | XX | Interest Rate Life Max |  | 12.6 | Verified |
| 592 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 592 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 592 | XX | XX | XX | First Payment Change Date |  | 2006-12-01 | Verified |
| 592 | XX | XX | XX | Next Payment Change Date |  | 2017-12-01 | Verified |
| 592 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 592 | XX | XX | XX | Prepayment Penalty Period (months) |  | 24 | Verified |
| 593 | XX | XX | XX | Doc Type |  | Full | Verified |
| 593 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 594 | XX | XX | XX | Property Type | Condo (High Rise) | Condo (Mid Rise) | Verified |
| 594 | XX | XX | XX | Doc Type |  | Full | Verified |
| 594 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 595 | XX | XX | XX | Doc Type | No Doc | Full | Verified |
| 595 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 595 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 596 | XX | XX | XX | Doc Type | No Doc | Full | Verified |
| 596 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 596 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 596 | XX | XX | XX | Margin |  | 2 | Verified |
| 596 | XX | XX | XX | First Interest Rate Change Date |  | 2018-01-01 | Verified |
| 596 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-01-01 | Verified |
| 596 | XX | XX | XX | Interest Rate Life Min |  | 2 | Verified |
| 596 | XX | XX | XX | Interest Rate Life Max |  | 7.5 | Verified |
| 596 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 596 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 596 | XX | XX | XX | First Payment Change Date |  | 2018-02-01 | Verified |
| 596 | XX | XX | XX | Next Payment Change Date |  | 2018-02-01 | Verified |
| 596 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 597 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 597 | XX | XX | XX | Appraisal Date | XX |  | Verified |
| 597 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 598 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 598 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 598 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 598 | XX | XX | XX | Margin |  | 2.75 | Verified |
| 598 | XX | XX | XX | First Interest Rate Change Date |  | 2013-01-01 | Verified |
| 598 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-01-01 | Verified |
| 598 | XX | XX | XX | Interest Rate Life Min |  | 2.75 | Verified |
| 598 | XX | XX | XX | Interest Rate Life Max |  | 11.125 | Verified |
| 598 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 598 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 598 | XX | XX | XX | First Payment Change Date |  | 2013-02-01 | Verified |
| 598 | XX | XX | XX | Next Payment Change Date |  | 2018-02-01 | Verified |
| 598 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 598 | XX | XX | XX | Original CLTV | 80 | 95 | Verified |
| 598 | XX | XX | XX | Other Financing - Lien Position 2 - Current Balance |  | 50400.00 | Verified |
| 599 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 599 | XX | XX | XX | Doc Type | Stated | Full | Verified |
| 599 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 599 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 599 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 599 | XX | XX | XX | First Interest Rate Change Date |  | 2014-05-01 | Verified |
| 599 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-11-01 | Verified |
| 599 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 599 | XX | XX | XX | Interest Rate Life Max |  | 11.3755 | Verified |
| 599 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 599 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 599 | XX | XX | XX | First Payment Change Date |  | 2014-06-01 | Verified |
| 599 | XX | XX | XX | Next Payment Change Date |  | 2017-12-01 | Verified |
| 599 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 599 | XX | XX | XX | Refi Purpose | Cash-out | Rate/Term | Verified |
| 599 | XX | XX | XX | Interest Only Period Expiration Date |  | 2017-05-01 | Verified |
| 600 | XX | XX | XX | Original Term | 179 | 180 | Verified |
| 600 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 600 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 600 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 601 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 601 | XX | XX | XX | Prepayment Penalty Period (months) | 36 | 60 | Verified |
| 602 | XX | XX | XX | Zip | XX | XX | Verified |
| 602 | XX | XX | XX | Original Term | 364 | 360 | Verified |
| 602 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 602 | XX | XX | XX | Doc Type |  | Full | Verified |
| 602 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 602 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 602 | XX | XX | XX | Margin |  | 4.41 | Verified |
| 602 | XX | XX | XX | First Interest Rate Change Date |  | 2008-12-01 | Verified |
| 602 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-12-01 | Verified |
| 602 | XX | XX | XX | Interest Rate Life Min |  | 4.41 | Verified |
| 602 | XX | XX | XX | Interest Rate Life Max |  | 15.8 | Verified |
| 602 | XX | XX | XX | Interest Rate Periodic Floor |  | 1.5 | Verified |
| 602 | XX | XX | XX | Interest Rate Periodic Cap |  | 1.5 | Verified |
| 602 | XX | XX | XX | First Payment Change Date |  | 2009-01-01 | Verified |
| 602 | XX | XX | XX | Next Payment Change Date |  | 2018-01-01 | Verified |
| 602 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 602 | XX | XX | XX | Prepayment Penalty Period (months) | 2 |  | Verified |
| 603 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 603 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 603 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 604 | XX | XX | XX | Doc Type | No Doc | UTD | Verified |
| 604 | XX | XX | XX | Original CLTV | 102.59 |  | Verified |
| 604 | XX | XX | XX | Original LTV | 102.59 |  | Verified |
| 604 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 604 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 605 | XX | XX | XX | Doc Type |  | Full | Verified |
| 605 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 605 | XX | XX | XX | Original CLTV | 96.42 | 95 | Verified |
| 605 | XX | XX | XX | Original LTV | 96.42 | 95 | Verified |
| 606 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 606 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 607 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 607 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 607 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 607 | XX | XX | XX | Original CLTV | 100 | 85.1 | Verified |
| 607 | XX | XX | XX | Original LTV | 100 | 85.1 | Verified |
| 607 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 607 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 608 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 608 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 608 | XX | XX | XX | Margin |  | 3 | Verified |
| 608 | XX | XX | XX | First Interest Rate Change Date |  | 2014-10-01 | Verified |
| 608 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-10-01 | Verified |
| 608 | XX | XX | XX | Interest Rate Life Min |  | 3 | Verified |
| 608 | XX | XX | XX | Interest Rate Life Max |  | 16 | Verified |
| 608 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 608 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 608 | XX | XX | XX | First Payment Change Date |  | 2014-11-01 | Verified |
| 608 | XX | XX | XX | Next Payment Change Date |  | 2017-11-01 | Verified |
| 608 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 609 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 609 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 609 | XX | XX | XX | Original CLTV | 97.7 |  | Verified |
| 609 | XX | XX | XX | Original LTV | 97.7 |  | Verified |
| 609 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 610 | XX | XX | XX | Original Interest Rate | 8.49 | 10.49 | Verified |
| 610 | XX | XX | XX | Doc Type |  | Full | Verified |
| 610 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 611 | XX | XX | XX | Original Interest Rate | 9.385 | 9.3852 | Verified |
| 611 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 611 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 611 | XX | XX | XX | Interest Collection Type | In Arrears | Daily Simple | Verified |
| 611 | XX | XX | XX | Prepayment Penalty Period (months) | 36 | 30 | Verified |
| 612 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 613 | XX | XX | XX | Original Term | 362 | 360 | Verified |
| 613 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 613 | XX | XX | XX | Doc Type |  | Full | Verified |
| 614 | XX | XX | XX | Street | XX | XX | Verified |
| 614 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 614 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 615 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 615 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 616 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 616 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 616 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 616 | XX | XX | XX | Margin |  | 6.14 | Verified |
| 616 | XX | XX | XX | First Interest Rate Change Date |  | 2006-08-01 | Verified |
| 616 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-02-01 | Verified |
| 616 | XX | XX | XX | Interest Rate Life Min |  | 6.14 | Verified |
| 616 | XX | XX | XX | Interest Rate Life Max |  | 14.95 | Verified |
| 616 | XX | XX | XX | Interest Rate Periodic Floor |  | 1.5 | Verified |
| 616 | XX | XX | XX | Interest Rate Periodic Cap |  | 1.5 | Verified |
| 616 | XX | XX | XX | First Payment Change Date |  | 2006-09-01 | Verified |
| 616 | XX | XX | XX | Next Payment Change Date |  | 2018-03-01 | Verified |
| 616 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 616 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| 616 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 617 | XX | XX | XX | Street | XX | XX | Verified |
| 617 | XX | XX | XX | Doc Type | Alt | UTD | Verified |
| 617 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 618 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 618 | XX | XX | XX | Appraisal Date | XX |  | Verified |
| 618 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 618 | XX | XX | XX | Margin |  | 3 | Verified |
| 618 | XX | XX | XX | First Interest Rate Change Date |  | 2013-09-01 | Verified |
| 618 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-09-01 | Verified |
| 618 | XX | XX | XX | Interest Rate Life Min |  | 8.5 | Verified |
| 618 | XX | XX | XX | Interest Rate Life Max |  | 14.5 | Verified |
| 618 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 618 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 618 | XX | XX | XX | First Payment Change Date |  | 2013-10-01 | Verified |
| 618 | XX | XX | XX | Next Payment Change Date |  | 2018-10-01 | Verified |
| 618 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 619 | XX | XX | XX | Zip | XX | XX | Verified |
| 619 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 619 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 619 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 619 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 619 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 619 | XX | XX | XX | First Interest Rate Change Date |  | 2012-09-01 | Verified |
| 619 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-03-01 | Verified |
| 619 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 619 | XX | XX | XX | Interest Rate Life Max |  | 11.25 | Verified |
| 619 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 619 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 619 | XX | XX | XX | First Payment Change Date |  | 2012-10-01 | Verified |
| 619 | XX | XX | XX | Next Payment Change Date |  | 2018-04-01 | Verified |
| 619 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 619 | XX | XX | XX | Prepayment Penalty Period (months) |  | 12 | Verified |
| 619 | XX | XX | XX | Interest Only Period Expiration Date |  | 2017-09-01 | Verified |
| 620 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 620 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 620 | XX | XX | XX | PMI Company | XX |  | Verified |
| 620 | XX | XX | XX | PMI Coverage % | 8 |  | Verified |
| 621 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 622 | XX | XX | XX | Property Type | PUD | PUD Attached | Verified |
| 622 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 622 | XX | XX | XX | PMI Company | XX |  | Verified |
| 622 | XX | XX | XX | PMI Coverage % | 11 |  | Verified |
| 623 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 623 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 624 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 624 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 624 | XX | XX | XX | Original CLTV | 99.17 |  | Verified |
| 624 | XX | XX | XX | Original LTV | 99.17 |  | Verified |
| 624 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 625 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 626 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 626 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 626 | XX | XX | XX | Prepayment Penalty Period (months) | 36 | 24 | Verified |
| 627 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 627 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 627 | XX | XX | XX | Original CLTV | 80 | 100 | Verified |
| 627 | XX | XX | XX | Other Financing - Lien Position 2 - Current Balance |  | 35000.00 | Verified |
| 628 | XX | XX | XX | Doc Type |  | Full | Verified |
| 628 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 628 | XX | XX | XX | Original CLTV | 97.38 | 95.94 | Verified |
| 628 | XX | XX | XX | Original LTV | 97.38 | 95.94 | Verified |
| 629 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 629 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 630 | XX | XX | XX | Doc Type | No Doc | UTD | Verified |
| 630 | XX | XX | XX | Interest Collection Type | In Arrears | Daily Simple | Verified |
| 631 | XX | XX | XX | Doc Type |  | Full | Verified |
| 631 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 631 | XX | XX | XX | Next Interest Rate Change Date | 2017-10-01 | 2018-04-01 | Verified |
| 631 | XX | XX | XX | Refi Purpose | Cash-out | Rate/Term | Verified |
| 631 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 632 | XX | XX | XX | Street | XX | XX | Verified |
| 632 | XX | XX | XX | Original Term | 556 | 360 | Verified |
| 632 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 632 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 633 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 633 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 634 | XX | XX | XX | Zip | XX | XX | Verified |
| 634 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 634 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| 635 | XX | XX | XX | Doc Type |  | Full | Verified |
| 635 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 635 | XX | XX | XX | Original CLTV | 99.22 | 97.75 | Verified |
| 635 | XX | XX | XX | Original LTV | 99.22 | 97.75 | Verified |
| 636 | XX | XX | XX | Purpose | Refinance | Purchase | Verified |
| 636 | XX | XX | XX | Doc Type |  | Full | Verified |
| 636 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 636 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 636 | XX | XX | XX | Refi Purpose | Cash-out |  | Verified |
| 636 | XX | XX | XX | Original CLTV | 49.1 | 77.25 | Verified |
| 636 | XX | XX | XX | Original LTV | 49.1 | 60.49 | Verified |
| 636 | XX | XX | XX | Other Financing - Lien Position 2 - Current Balance |  | 30204.00 | Verified |
| 637 | XX | XX | XX | First Interest Rate Change Date | 2006-01-01 | 2005-02-01 | Verified |
| 637 | XX | XX | XX | Next Interest Rate Change Date | 2018-01-01 | 2017-11-01 | Verified |
| 637 | XX | XX | XX | Interest Rate Periodic Floor |  | 0 | Verified |
| 637 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 638 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 638 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 639 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 639 | XX | XX | XX | Interest Collection Type | In Arrears | Daily Simple | Verified |
| 640 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 640 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 640 | XX | XX | XX | Original Term | 362 | 360 | Verified |
| 640 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 640 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 640 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 641 | XX | XX | XX | Street | XX | XX | Verified |
| 641 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 641 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 641 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 641 | XX | XX | XX | Margin |  | 5.4 | Verified |
| 641 | XX | XX | XX | First Interest Rate Change Date |  | 2009-07-01 | Verified |
| 641 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-01-01 | Verified |
| 641 | XX | XX | XX | Interest Rate Life Min |  | 8.7 | Verified |
| 641 | XX | XX | XX | Interest Rate Life Max |  | 14.7 | Verified |
| 641 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 641 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 641 | XX | XX | XX | First Payment Change Date |  | 2009-08-01 | Verified |
| 641 | XX | XX | XX | Next Payment Change Date |  | 2018-02-01 | Verified |
| 641 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 641 | XX | XX | XX | Original CLTV | 80 | 100 | Verified |
| 641 | XX | XX | XX | Other Financing - Lien Position 2 - Current Balance |  | 31200.00 | Verified |
| 642 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 642 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 642 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 643 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 643 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 643 | XX | XX | XX | Original Term | 276 | 240 | Verified |
| 643 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 643 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 643 | XX | XX | XX | Original CLTV | 77.36 | 73.17 | Verified |
| 643 | XX | XX | XX | Original LTV | 77.36 | 73.17 | Verified |
| 644 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 645 | XX | XX | XX | Doc Type | Fastrack | No Ratio | Verified |
| 645 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 645 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 645 | XX | XX | XX | Margin |  | 2.75 | Verified |
| 645 | XX | XX | XX | First Interest Rate Change Date |  | 2008-03-01 | Verified |
| 645 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-03-01 | Verified |
| 645 | XX | XX | XX | Interest Rate Life Min |  | 3 | Verified |
| 645 | XX | XX | XX | Interest Rate Life Max |  | 11 | Verified |
| 645 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 645 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 645 | XX | XX | XX | First Payment Change Date |  | 2008-04-01 | Verified |
| 645 | XX | XX | XX | Next Payment Change Date |  | 2018-04-01 | Verified |
| 645 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 646 | XX | XX | XX | City | XX | XX | Verified |
| 646 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 646 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 646 | XX | XX | XX | Original CLTV | 70 | 75 | Verified |
| 646 | XX | XX | XX | Other Financing - Lien Position 2 - Current Balance |  | 8450.00 | Verified |
| 647 | XX | XX | XX | City | XX | XX | Verified |
| 647 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 647 | XX | XX | XX | Doc Type | Stated | Full | Verified |
| 647 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 647 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 647 | XX | XX | XX | Margin |  | 4.75 | Verified |
| 647 | XX | XX | XX | First Interest Rate Change Date |  | 2007-09-01 | Verified |
| 647 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-03-01 | Verified |
| 647 | XX | XX | XX | Interest Rate Life Min |  | 8.25 | Verified |
| 647 | XX | XX | XX | Interest Rate Life Max |  | 15.25 | Verified |
| 647 | XX | XX | XX | Interest Rate Periodic Floor |  | 1.5 | Verified |
| 647 | XX | XX | XX | Interest Rate Periodic Cap |  | 1.5 | Verified |
| 647 | XX | XX | XX | First Payment Change Date |  | 2007-10-01 | Verified |
| 647 | XX | XX | XX | Next Payment Change Date |  | 2018-04-01 | Verified |
| 647 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 648 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 648 | XX | XX | XX | Original CLTV | 98.19 | 96.5 | Verified |
| 648 | XX | XX | XX | Original LTV | 98.19 | 96.5 | Verified |
| 648 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 649 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 649 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 649 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 649 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 649 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 649 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 649 | XX | XX | XX | First Interest Rate Change Date |  | 2012-08-01 | Verified |
| 649 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-08-01 | Verified |
| 649 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 649 | XX | XX | XX | Interest Rate Life Max |  | 12.5 | Verified |
| 649 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 649 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 649 | XX | XX | XX | First Payment Change Date |  | 2012-09-01 | Verified |
| 649 | XX | XX | XX | Next Payment Change Date |  | 2018-09-01 | Verified |
| 649 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 649 | XX | XX | XX | Original CLTV | 80 | 100 | Verified |
| 649 | XX | XX | XX | Interest Only Period Expiration Date | 2017-03-01 | 2017-08-01 | Verified |
| 649 | XX | XX | XX | Other Financing - Lien Position 2 - Current Balance |  | 33400.00 | Verified |
| 649 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 650 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 650 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 650 | XX | XX | XX | Index Type |  | Prime | Verified |
| 650 | XX | XX | XX | Margin |  | 0.75 | Verified |
| 650 | XX | XX | XX | First Interest Rate Change Date |  | 2004-09-25 | Verified |
| 650 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-09-25 | Verified |
| 650 | XX | XX | XX | Interest Rate Life Min |  | 4.75 | Verified |
| 650 | XX | XX | XX | Interest Rate Life Max |  | 19 | Verified |
| 650 | XX | XX | XX | Interest Rate Periodic Floor |  | 0 | Verified |
| 650 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 650 | XX | XX | XX | First Payment Change Date |  | 2004-10-25 | Verified |
| 650 | XX | XX | XX | Next Payment Change Date |  | 2017-10-25 | Verified |
| 650 | XX | XX | XX | Rounding Factor |  | 0.000 | Verified |
| 650 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| 651 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 651 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 651 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 651 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 651 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 651 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 651 | XX | XX | XX | First Interest Rate Change Date |  | 2009-12-01 | Verified |
| 651 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-12-01 | Verified |
| 651 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 651 | XX | XX | XX | Interest Rate Life Max |  | 9.875 | Verified |
| 651 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 651 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 651 | XX | XX | XX | First Payment Change Date |  | 2010-01-01 | Verified |
| 651 | XX | XX | XX | Next Payment Change Date |  | 2018-01-01 | Verified |
| 651 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 651 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 651 | XX | XX | XX | Interest Only Period Expiration Date |  | 2009-12-01 | Verified |
| 652 | XX | XX | XX | Original Term | 489 | 360 | Verified |
| 652 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 652 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 652 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 652 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 652 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 652 | XX | XX | XX | First Interest Rate Change Date |  | 2007-04-01 | Verified |
| 652 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 652 | XX | XX | XX | First Payment Change Date |  | 2007-05-01 | Verified |
| 652 | XX | XX | XX | Next Payment Change Date |  | 2018-05-01 | Verified |
| 652 | XX | XX | XX | Interest Only Period Expiration Date | 2016-05-01 | 2016-04-01 | Verified |
| 690 | XX | XX | XX | City | XX | XX | Verified |
| 690 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 690 | XX | XX | XX | Doc Type | NINA | No Ratio | Verified |
| 690 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 690 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 690 | XX | XX | XX | First Interest Rate Change Date |  | 2016-05-01 | Verified |
| 690 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-11-01 | Verified |
| 690 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 690 | XX | XX | XX | Interest Rate Life Max |  | 13.75 | Verified |
| 690 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 690 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 690 | XX | XX | XX | First Payment Change Date |  | 2016-06-01 | Verified |
| 690 | XX | XX | XX | Next Payment Change Date |  | 2017-12-01 | Verified |
| 690 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 690 | XX | XX | XX | Interest Only Period Expiration Date | 2015-08-01 | 2016-05-01 | Verified |
| 653 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 653 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 654 | XX | XX | XX | Original Term | 247 | 250 | Verified |
| 654 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 654 | XX | XX | XX | Original Interest Rate | 11.203 | 11.2 | Verified |
| 654 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 654 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 654 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| 655 | XX | XX | XX | Street | XX | XX | Verified |
| 655 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 656 | XX | XX | XX | Doc Type | Fastrack | Stated | Verified |
| 656 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 656 | XX | XX | XX | Margin |  | 3 | Verified |
| 656 | XX | XX | XX | First Interest Rate Change Date |  | 2014-07-01 | Verified |
| 656 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-07-01 | Verified |
| 656 | XX | XX | XX | Interest Rate Life Min |  | 3 | Verified |
| 656 | XX | XX | XX | Interest Rate Life Max |  | 16 | Verified |
| 656 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 656 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 656 | XX | XX | XX | First Payment Change Date |  | 2014-08-01 | Verified |
| 656 | XX | XX | XX | Next Payment Change Date |  | 2018-08-01 | Verified |
| 656 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 657 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 657 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 657 | XX | XX | XX | Margin |  | 3 | Verified |
| 657 | XX | XX | XX | First Interest Rate Change Date |  | 2013-11-01 | Verified |
| 657 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-11-01 | Verified |
| 657 | XX | XX | XX | Interest Rate Life Min |  | 3 | Verified |
| 657 | XX | XX | XX | Interest Rate Life Max |  | 15.5 | Verified |
| 657 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 657 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 657 | XX | XX | XX | First Payment Change Date |  | 2013-12-01 | Verified |
| 657 | XX | XX | XX | Next Payment Change Date |  | 2017-12-01 | Verified |
| 657 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 658 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 658 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 659 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 659 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 659 | XX | XX | XX | PMI Company | XX |  | Verified |
| 659 | XX | XX | XX | PMI Coverage % | 8 |  | Verified |
| 660 | XX | XX | XX | Doc Type | Stated | Full | Verified |
| 660 | XX | XX | XX | Original CLTV | 82.16 | 88.26 | Verified |
| 660 | XX | XX | XX | Other Financing - Lien Position 2 - Current Balance |  | 5200.00 | Verified |
| 661 | XX | XX | XX | Doc Type | Alt | UTD | Verified |
| 662 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 662 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 663 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 663 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 663 | XX | XX | XX | Index Type |  | FHLMC LIBOR - 6 Month | Verified |
| 663 | XX | XX | XX | Margin |  | 6 | Verified |
| 663 | XX | XX | XX | First Interest Rate Change Date |  | 2009-10-01 | Verified |
| 663 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 663 | XX | XX | XX | Interest Rate Life Min |  | 10.1 | Verified |
| 663 | XX | XX | XX | Interest Rate Life Max |  | 16.1 | Verified |
| 663 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 663 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 663 | XX | XX | XX | First Payment Change Date |  | 2009-11-01 | Verified |
| 663 | XX | XX | XX | Next Payment Change Date |  | 2017-11-01 | Verified |
| 663 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 663 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 663 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 664 | XX | XX | XX | Property Type | Manufactured Housing | Single Family Detached | Verified |
| 664 | XX | XX | XX | Doc Type | No Doc | UTD | Verified |
| 664 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 664 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 665 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 665 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 665 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 665 | XX | XX | XX | PMI Company | XX |  | Verified |
| 665 | XX | XX | XX | PMI Coverage % | 8 |  | Verified |
| 666 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 667 | XX | XX | XX | Note Date | XX | XX | Verified |
| 667 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 667 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 668 | XX | XX | XX | Original Term | 301 | 360 | Verified |
| 668 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 668 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 668 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 668 | XX | XX | XX | Interest Collection Type | In Arrears | Daily Simple | Verified |
| 669 | XX | XX | XX | City | XX | XX | Verified |
| 669 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 669 | XX | XX | XX | Doc Type | Alt | UTD | Verified |
| 670 | XX | XX | XX | Doc Type | Fastrack | Alt | Verified |
| 670 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 670 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 671 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 671 | XX | XX | XX | Original Term | 450 | 360 | Verified |
| 671 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 671 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 671 | XX | XX | XX | Interest Collection Type | In Arrears | Daily Simple | Verified |
| 671 | XX | XX | XX | Original CLTV | 79.47 | 99.47 | Verified |
| 671 | XX | XX | XX | Other Financing - Lien Position 2 - Current Balance |  | 24600.00 | Verified |
| 672 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 672 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 673 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 673 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 673 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 673 | XX | XX | XX | Purpose | Purchase | Construction-Permanent | Verified |
| 673 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 673 | XX | XX | XX | Original CLTV | 87.45 | 40.69 | Verified |
| 673 | XX | XX | XX | Original LTV | 87.45 | 40.69 | Verified |
| 673 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 674 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 674 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 675 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 675 | XX | XX | XX | Margin |  | 6 | Verified |
| 675 | XX | XX | XX | First Interest Rate Change Date |  | 2009-04-01 | Verified |
| 675 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 675 | XX | XX | XX | Interest Rate Life Min |  | 6 | Verified |
| 675 | XX | XX | XX | Interest Rate Life Max |  | 14.4 | Verified |
| 675 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 675 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 675 | XX | XX | XX | First Payment Change Date |  | 2009-05-01 | Verified |
| 675 | XX | XX | XX | Next Payment Change Date |  | 2017-11-01 | Verified |
| 675 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 675 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 676 | XX | XX | XX | Original Interest Rate | 3.375 | 5.75 | Verified |
| 676 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 676 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 676 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 676 | XX | XX | XX | Interest Only Period Expiration Date |  | 2017-04-01 | Verified |
| 677 | XX | XX | XX | Street | XX | XX | Verified |
| 677 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 677 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 677 | XX | XX | XX | Appraisal Date | XX |  | Verified |
| 677 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 677 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 677 | XX | XX | XX | First Interest Rate Change Date |  | 2013-11-01 | Verified |
| 677 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-11-01 | Verified |
| 677 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 677 | XX | XX | XX | Interest Rate Life Max |  | 11.25 | Verified |
| 677 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 677 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 677 | XX | XX | XX | First Payment Change Date |  | 2013-12-01 | Verified |
| 677 | XX | XX | XX | Next Payment Change Date |  | 2017-12-01 | Verified |
| 677 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 677 | XX | XX | XX | Refi Purpose | Cash-out | Rate/Term | Verified |
| 677 | XX | XX | XX | Original CLTV | 85.56 |  | Verified |
| 677 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 677 | XX | XX | XX | Interest Only Period Expiration Date |  | 2013-11-01 | Verified |
| 677 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 678 | XX | XX | XX | Original Term | 566 | 120 | Verified |
| 678 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 678 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 678 | XX | XX | XX | Interest Collection Type | In Arrears | Daily Simple | Verified |
| 678 | XX | XX | XX | Original CLTV | 58.93 | 56.43 | Verified |
| 678 | XX | XX | XX | Original LTV | 58.93 | 56.43 | Verified |
| 678 | XX | XX | XX | Prepayment Penalty Period (months) |  | 60 | Verified |
| 679 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 679 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 679 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 679 | XX | XX | XX | Margin |  | 3.25 | Verified |
| 679 | XX | XX | XX | First Interest Rate Change Date |  | 2011-08-01 | Verified |
| 679 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-02-01 | Verified |
| 679 | XX | XX | XX | Interest Rate Life Min |  | 3.25 | Verified |
| 679 | XX | XX | XX | Interest Rate Life Max |  | 13 | Verified |
| 679 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 679 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 679 | XX | XX | XX | First Payment Change Date |  | 2011-09-01 | Verified |
| 679 | XX | XX | XX | Next Payment Change Date |  | 2018-03-01 | Verified |
| 679 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 679 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| 679 | XX | XX | XX | Original CLTV | 80.5 | 68.37 | Verified |
| 679 | XX | XX | XX | Other Financing - Lien Position 2 - Current Balance | 84300.00 |  | Verified |
| 680 | XX | XX | XX | City | XX | XX | Verified |
| 680 | XX | XX | XX | Original Term | 375 | 360 | Verified |
| 680 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 680 | XX | XX | XX | Property Type | Single Family | Manufactured Housing | Verified |
| 680 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 680 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 680 | XX | XX | XX | Interest Collection Type | In Arrears | Daily Simple | Verified |
| 681 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 681 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 681 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 681 | XX | XX | XX | Margin |  | 3 | Verified |
| 681 | XX | XX | XX | First Interest Rate Change Date |  | 2014-01-01 | Verified |
| 681 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-01-01 | Verified |
| 681 | XX | XX | XX | Interest Rate Life Min |  | 3 | Verified |
| 681 | XX | XX | XX | Interest Rate Life Max |  | 14.5 | Verified |
| 681 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 681 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 681 | XX | XX | XX | First Payment Change Date |  | 2014-02-01 | Verified |
| 681 | XX | XX | XX | Next Payment Change Date |  | 2018-02-01 | Verified |
| 681 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 682 | XX | XX | XX | First Payment Date | XX | XX | Verified |
| 682 | XX | XX | XX | Original Term | 378 | 216 | Verified |
| 682 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 682 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 682 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 682 | XX | XX | XX | Interest Collection Type | In Arrears | Daily Simple | Verified |
| 682 | XX | XX | XX | Original CLTV | 74.92 | 54.26 | Verified |
| 682 | XX | XX | XX | Original LTV | 74.92 | 54.26 | Verified |
| 683 | XX | XX | XX | Zip | XX | XX | Verified |
| 683 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 683 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 683 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 683 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 683 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 683 | XX | XX | XX | First Interest Rate Change Date |  | 2009-04-01 | Verified |
| 683 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 683 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 683 | XX | XX | XX | Interest Rate Life Max |  | 9.75 | Verified |
| 683 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 683 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 683 | XX | XX | XX | First Payment Change Date |  | 2009-05-01 | Verified |
| 683 | XX | XX | XX | Next Payment Change Date |  | 2018-05-01 | Verified |
| 683 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 683 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 683 | XX | XX | XX | Original CLTV | 73.74 | 80 | Verified |
| 683 | XX | XX | XX | Original LTV | 73.74 | 80 | Verified |
| 683 | XX | XX | XX | Interest Only Period Expiration Date | 2017-11-01 | 2009-04-01 | Verified |
| 684 | XX | XX | XX | Original Term | 565 | 360 | Verified |
| 684 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 684 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 684 | XX | XX | XX | Purpose | Purchase | UTD | Verified |
| 684 | XX | XX | XX | Doc Type | NINA | UTD | Verified |
| 684 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 684 | XX | XX | XX | Refi Purpose |  | UTD | Verified |
| 684 | XX | XX | XX | Original CLTV | 90 |  | Verified |
| 684 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 684 | XX | XX | XX | Other Financing - Lien Position 2 - Current Balance | 60000.00 |  | Verified |
| 684 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 685 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 685 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 685 | XX | XX | XX | Original CLTV | 70 |  | Verified |
| 685 | XX | XX | XX | Original LTV | 70 |  | Verified |
| 685 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 686 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 686 | XX | XX | XX | Doc Type | NINA | No Ratio | Verified |
| 686 | XX | XX | XX | Interest Only Period Expiration Date | 2010-08-01 | 2017-03-01 | Verified |
| 687 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 687 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 687 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 688 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 688 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 688 | XX | XX | XX | Margin |  | 2.75 | Verified |
| 688 | XX | XX | XX | First Interest Rate Change Date |  | 2009-10-01 | Verified |
| 688 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-10-01 | Verified |
| 688 | XX | XX | XX | Interest Rate Life Min |  | 2.75 | Verified |
| 688 | XX | XX | XX | Interest Rate Life Max |  | 9.75 | Verified |
| 688 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 688 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 688 | XX | XX | XX | First Payment Change Date |  | 2009-11-01 | Verified |
| 688 | XX | XX | XX | Next Payment Change Date |  | 2017-11-01 | Verified |
| 688 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 688 | XX | XX | XX | Interest Only Period Expiration Date |  | 2009-10-01 | Verified |
| 689 | XX | XX | XX | Doc Type | Alt | Full | Verified |
| 689 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 689 | XX | XX | XX | Refi Purpose | Cash-out | Rate/Term | Verified |
| 689 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 691 | XX | XX | XX | Original Term | 604 | 360 | Verified |
| 691 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 691 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 691 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 691 | XX | XX | XX | First Interest Rate Change Date |  | 2009-05-01 | Verified |
| 691 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-11-01 | Verified |
| 691 | XX | XX | XX | Interest Rate Life Min | 8.465 | 6.135 | Verified |
| 691 | XX | XX | XX | First Payment Change Date |  | 2009-06-01 | Verified |
| 691 | XX | XX | XX | Next Payment Change Date |  | 2017-12-01 | Verified |
| 691 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 691 | XX | XX | XX | Prepayment Penalty Period (months) |  | 12 | Verified |
| 692 | XX | XX | XX | Doc Type |  | Stated | Verified |
| 692 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 692 | XX | XX | XX | Prepayment Penalty Period (months) | 3 | 36 | Verified |
| 693 | XX | XX | XX | Original Term | 362 | 360 | Verified |
| 693 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 693 | XX | XX | XX | Original Interest Rate | 8.6 | 10.5 | Verified |
| 693 | XX | XX | XX | Doc Type | NINA | UTD | Verified |
| 693 | XX | XX | XX | Original CLTV | 82.59 |  | Verified |
| 693 | XX | XX | XX | Original LTV | 82.59 |  | Verified |
| 693 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 694 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 694 | XX | XX | XX | Refi Purpose | Cash-out | Rate/Term | Verified |
| 694 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 695 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 695 | XX | XX | XX | Property Type | PUD | PUD Attached | Verified |
| 695 | XX | XX | XX | Doc Type | Fastrack | Full | Verified |
| 695 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 695 | XX | XX | XX | Margin |  | 5.38 | Verified |
| 695 | XX | XX | XX | First Interest Rate Change Date |  | 2012-04-01 | Verified |
| 695 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 695 | XX | XX | XX | Interest Rate Life Min |  | 7.64 | Verified |
| 695 | XX | XX | XX | Interest Rate Life Max |  | 13.64 | Verified |
| 695 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 695 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 695 | XX | XX | XX | First Payment Change Date |  | 2012-05-01 | Verified |
| 695 | XX | XX | XX | Next Payment Change Date |  | 2017-11-01 | Verified |
| 695 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 695 | XX | XX | XX | Refi Purpose | Cash-out | Rate/Term | Verified |
| 695 | XX | XX | XX | Original CLTV | 75 | 100 | Verified |
| 695 | XX | XX | XX | Other Financing - Lien Position 2 - Current Balance |  | 73750.00 | Verified |
| 696 | XX | XX | XX | Occupancy | Primary | Investment | Verified |
| 696 | XX | XX | XX | Doc Type | Alt | UTD | Verified |
| 696 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 697 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 697 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| 698 | XX | XX | XX | Street | XX | XX | Verified |
| 698 | XX | XX | XX | Original Term | 531 | 360 | Verified |
| 698 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 698 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 698 | XX | XX | XX | Doc Type | NINA | Full | Verified |
| 698 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 698 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 698 | XX | XX | XX | First Interest Rate Change Date |  | 2010-04-01 | Verified |
| 698 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 698 | XX | XX | XX | First Payment Change Date |  | 2010-05-01 | Verified |
| 698 | XX | XX | XX | Next Payment Change Date |  | 2017-11-01 | Verified |
| 698 | XX | XX | XX | Interest Only Period Expiration Date |  | 2015-04-01 | Verified |
| 699 | XX | XX | XX | Purpose |  | Refinance | Verified |
| 699 | XX | XX | XX | Doc Type | Alt | SIVA | Verified |
| 699 | XX | XX | XX | First Payment Change Date |  | 2012-07-01 | Verified |
| 699 | XX | XX | XX | Next Payment Change Date |  | 2017-11-01 | Verified |
| 699 | XX | XX | XX | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| 700 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 700 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 700 | XX | XX | XX | Margin |  | 6 | Verified |
| 700 | XX | XX | XX | First Interest Rate Change Date |  | 2009-11-01 | Verified |
| 700 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-11-01 | Verified |
| 700 | XX | XX | XX | Interest Rate Life Min |  | 8.65 | Verified |
| 700 | XX | XX | XX | Interest Rate Life Max |  | 14.65 | Verified |
| 700 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 700 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 700 | XX | XX | XX | First Payment Change Date |  | 2009-12-01 | Verified |
| 700 | XX | XX | XX | Next Payment Change Date |  | 2017-12-01 | Verified |
| 700 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 700 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 701 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 701 | XX | XX | XX | Doc Type | Alt | Stated | Verified |
| 701 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 701 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 701 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 701 | XX | XX | XX | First Interest Rate Change Date |  | 2014-06-01 | Verified |
| 701 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-06-01 | Verified |
| 701 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 701 | XX | XX | XX | Interest Rate Life Max |  | 11.5 | Verified |
| 701 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 701 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 701 | XX | XX | XX | First Payment Change Date |  | 2014-07-01 | Verified |
| 701 | XX | XX | XX | Next Payment Change Date |  | 2018-07-01 | Verified |
| 701 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 701 | XX | XX | XX | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| 701 | XX | XX | XX | Interest Only Period Expiration Date |  | 2017-06-01 | Verified |
| 701 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 702 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 702 | XX | XX | XX | Doc Type | Fastrack | UTD | Verified |
| 702 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 702 | XX | XX | XX | Interest Only Period Expiration Date |  | 2017-10-01 | Verified |
| 703 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 703 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 703 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 703 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 704 | XX | XX | XX | Original Term | 597 | 480 | Verified |
| 704 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 704 | XX | XX | XX | Doc Type |  | Full | Verified |
| 704 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 704 | XX | XX | XX | Index Type |  | MTA - 12 Month | Verified |
| 704 | XX | XX | XX | Margin |  | 3.65 | Verified |
| 704 | XX | XX | XX | First Interest Rate Change Date |  | 2007-08-01 | Verified |
| 704 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-11-01 | Verified |
| 704 | XX | XX | XX | Interest Rate Life Min |  | 3.65 | Verified |
| 704 | XX | XX | XX | Interest Rate Life Max |  | 9.95 | Verified |
| 704 | XX | XX | XX | Interest Rate Periodic Floor |  | 0 | Verified |
| 704 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 704 | XX | XX | XX | First Payment Change Date |  | 2008-08-01 | Verified |
| 704 | XX | XX | XX | Next Payment Change Date |  | 2018-08-01 | Verified |
| 704 | XX | XX | XX | Rounding Factor |  | 0.001 | Verified |
| 704 | XX | XX | XX | Prepayment Penalty Period (months) |  | 12 | Verified |
| 705 | XX | XX | XX | Original Interest Rate | 12.32 | 12.3204 | Verified |
| 705 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 705 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 705 | XX | XX | XX | Prepayment Penalty Period (months) |  | 36 | Verified |
| 706 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 706 | XX | XX | XX | Doc Type |  | Full | Verified |
| 706 | XX | XX | XX | Prepayment Penalty Period (months) | 3 | 36 | Verified |
| 706 | XX | XX | XX | Other Financing - Lien Position 2 - Current Balance | 22400.00 | 21316.32 | Verified |
| 707 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 707 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 707 | XX | XX | XX | Original LTV | 122.11 |  | Verified |
| 707 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 708 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 708 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 708 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 708 | XX | XX | XX | Margin |  | 5.75 | Verified |
| 708 | XX | XX | XX | First Interest Rate Change Date |  | 2009-03-01 | Verified |
| 708 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-03-01 | Verified |
| 708 | XX | XX | XX | Interest Rate Life Min |  | 8.15 | Verified |
| 708 | XX | XX | XX | Interest Rate Life Max |  | 14.15 | Verified |
| 708 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 708 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 708 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 708 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 709 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 709 | XX | XX | XX | Original Term | 637 | 360 | Verified |
| 709 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 709 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 710 | XX | XX | XX | Street | XX | XX | Verified |
| 710 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 710 | XX | XX | XX | Contract Sales Price | XX | XX | Verified |
| 711 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 711 | XX | XX | XX | Original Loan Amount | XX | XX | Verified |
| 711 | XX | XX | XX | Original Interest Rate | 8.899 | 8.8992 | Verified |
| 711 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 711 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 712 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 712 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 713 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 713 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 713 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 713 | XX | XX | XX | Doc Type | Alt | UTD | Verified |
| 713 | XX | XX | XX | Original LTV | 45.09 |  | Verified |
| 713 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 714 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 714 | XX | XX | XX | Note Date | XX | XX | Verified |
| 714 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 714 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 714 | XX | XX | XX | Margin |  | 3 | Verified |
| 714 | XX | XX | XX | First Interest Rate Change Date |  | 2014-06-01 | Verified |
| 714 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-06-01 | Verified |
| 714 | XX | XX | XX | Interest Rate Life Min |  | 9.25 | Verified |
| 714 | XX | XX | XX | Interest Rate Life Max |  | 15.25 | Verified |
| 714 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 714 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 714 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 715 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 715 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 716 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 716 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 716 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 716 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 716 | XX | XX | XX | First Interest Rate Change Date |  | 2012-04-01 | Verified |
| 716 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 716 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 716 | XX | XX | XX | Interest Rate Life Max |  | 11.25 | Verified |
| 716 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 716 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 716 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 716 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 716 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 716 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 717 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 718 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 718 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 718 | XX | XX | XX | Original Term | 432 | 180 | Verified |
| 718 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 718 | XX | XX | XX | Original Interest Rate | 9.25 | 11.125 | Verified |
| 718 | XX | XX | XX | Original P&I | 1887.62 | 2211.09 | Verified |
| 718 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 719 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 719 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 719 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 719 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 720 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 720 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 721 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 721 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 721 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 722 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 722 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 722 | XX | XX | XX | Doc Type | No Ratio | Stated | Verified |
| 722 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 722 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 722 | XX | XX | XX | Margin |  | 6 | Verified |
| 722 | XX | XX | XX | First Interest Rate Change Date |  | 2008-12-01 | Verified |
| 722 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-12-01 | Verified |
| 722 | XX | XX | XX | Interest Rate Life Min |  | 6 | Verified |
| 722 | XX | XX | XX | Interest Rate Life Max |  | 17.99 | Verified |
| 722 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 722 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 722 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 723 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 723 | XX | XX | XX | Doc Type | Stated | Alt | Verified |
| 723 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 723 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 723 | XX | XX | XX | PMI Coverage % |  | 20 | Verified |
| 724 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 724 | XX | XX | XX | Margin |  | 3.25 | Verified |
| 724 | XX | XX | XX | First Interest Rate Change Date |  | 2009-10-01 | Verified |
| 724 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 724 | XX | XX | XX | Interest Rate Life Min |  | 3.25 | Verified |
| 724 | XX | XX | XX | Interest Rate Life Max |  | 18.05 | Verified |
| 724 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 724 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 724 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 724 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 725 | XX | XX | XX | Original Term | 555 | 360 | Verified |
| 725 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 725 | XX | XX | XX | Doc Type |  | Full | Verified |
| 725 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 725 | XX | XX | XX | Original LTV | 98.67 | 96.5 | Verified |
| 726 | XX | XX | XX | Doc Type |  | Full | Verified |
| 726 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 726 | XX | XX | XX | Original LTV | 98.67 | 96.5 | Verified |
| 727 | XX | XX | XX | Property Type | Single Family | Townhouse | Verified |
| 728 | XX | XX | XX | Original Term | 573 | 360 | Verified |
| 728 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 728 | XX | XX | XX | Property Type | PUD | PUD Attached | Verified |
| 728 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 728 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 728 | XX | XX | XX | First Interest Rate Change Date |  | 2010-03-01 | Verified |
| 728 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-03-01 | Verified |
| 729 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 729 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 729 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 729 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 729 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 729 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 729 | XX | XX | XX | First Interest Rate Change Date |  | 2010-04-01 | Verified |
| 729 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 729 | XX | XX | XX | Interest Rate Life Min |  | 3.375 | Verified |
| 729 | XX | XX | XX | Interest Rate Life Max |  | 11.375 | Verified |
| 729 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 729 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 729 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 730 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 730 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 730 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 731 | XX | XX | XX | Street | XX | XX | Verified |
| 731 | XX | XX | XX | City | XX | XX | Verified |
| 731 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 731 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 731 | XX | XX | XX | Original Term | 447 | 360 | Verified |
| 731 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 731 | XX | XX | XX | Purpose | Purchase | UTD | Verified |
| 731 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 731 | XX | XX | XX | Original LTV | 220 | 97.78 | Verified |
| 731 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 732 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 732 | XX | XX | XX | Original Term | 539 | 240 | Verified |
| 732 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 732 | XX | XX | XX | Original P&I | 878.77 | 1152.76 | Verified |
| 732 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 732 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 733 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 733 | XX | XX | XX | Original Term | 467 | 360 | Verified |
| 733 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 733 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 734 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 734 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 734 | XX | XX | XX | Original LTV | 99.22 | 97.75 | Verified |
| 735 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 735 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 735 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 736 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 736 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 737 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 737 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 737 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 738 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 738 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 738 | XX | XX | XX | Occupancy | Primary | UTD | Verified |
| 738 | XX | XX | XX | Purpose | Refinance | UTD | Verified |
| 738 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 738 | XX | XX | XX | # of Units | 1 |  | Verified |
| 738 | XX | XX | XX | Original LTV | 101.45 |  | Verified |
| 738 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 739 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 739 | XX | XX | XX | Original Interest Rate | 5.15 | 13.5612 | Verified |
| 739 | XX | XX | XX | Original P&I | 566.07 | 1029.51 | Verified |
| 739 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 739 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 740 | XX | XX | XX | Doc Type | Alt | Full | Verified |
| 741 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 741 | XX | XX | XX | Doc Type |  | Full | Verified |
| 741 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 742 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 743 | XX | XX | XX | Doc Type |  | Full | Verified |
| 743 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 743 | XX | XX | XX | Original LTV | 99.22 | 97.75 | Verified |
| 744 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 744 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 745 | XX | XX | XX | Original Term | 502 | 360 | Verified |
| 745 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 745 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 745 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 745 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 745 | XX | XX | XX | PMI Coverage % |  | 20 | Verified |
| 746 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 746 | XX | XX | XX | Original Interest Rate | 9.718 | 9.7176 | Verified |
| 746 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 746 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 747 | XX | XX | XX | Original LTV | 96.42 | 95 | Verified |
| 748 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 748 | XX | XX | XX | Original LTV | 99.46 |  | Verified |
| 748 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 749 | XX | XX | XX | Doc Type |  | Full | Verified |
| 749 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 749 | XX | XX | XX | Original LTV | 98.45 | 97 | Verified |
| 750 | XX | XX | XX | Doc Type |  | Full | Verified |
| 750 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 750 | XX | XX | XX | Original LTV | 99.22 | 97.75 | Verified |
| 751 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 751 | XX | XX | XX | Original Term | 584 | 360 | Verified |
| 751 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 751 | XX | XX | XX | Property Type | PUD | PUD Attached | Verified |
| 751 | XX | XX | XX | Original LTV | 99.12 | 97.65 | Verified |
| 751 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 752 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 752 | XX | XX | XX | Original Term | 592 | 360 | Verified |
| 752 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 752 | XX | XX | XX | Original Interest Rate | 5 | 6.5 | Verified |
| 752 | XX | XX | XX | Original P&I | 1116.91 | 1273.15 | Verified |
| 752 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 752 | XX | XX | XX | Original LTV | 99.18 | 97.71 | Verified |
| 753 | XX | XX | XX | Doc Type |  | Full | Verified |
| 753 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 754 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 754 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 754 | XX | XX | XX | Original Interest Rate | 5 | 5.625 | Verified |
| 754 | XX | XX | XX | Original P&I | 991.94 | 1066.39 | Verified |
| 754 | XX | XX | XX | Doc Type |  | Full | Verified |
| 754 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 754 | XX | XX | XX | Original LTV | 99.22 | 97.75 | Verified |
| 755 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 755 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 756 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 756 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 756 | XX | XX | XX | Doc Type |  | Reduced | Verified |
| 756 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 756 | XX | XX | XX | Original LTV | 99.46 | 97.75 | Verified |
| 757 | XX | XX | XX | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified |
| 757 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 757 | XX | XX | XX | PMI Company | XX |  | Verified |
| 757 | XX | XX | XX | PMI Coverage % | 30 |  | Verified |
| 758 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 758 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 758 | XX | XX | XX | Original Interest Rate | 8.917 | 8.9172 | Verified |
| 758 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 758 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 759 | XX | XX | XX | Original Term | 608 | 360 | Verified |
| 759 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 759 | XX | XX | XX | Doc Type |  | Full | Verified |
| 760 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 760 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 760 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 760 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 760 | XX | XX | XX | Original LTV | 96.43 | 95 | Verified |
| 761 | XX | XX | XX | Original Term | 366 | 360 | Verified |
| 761 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 761 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 761 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 761 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 762 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 762 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 763 | XX | XX | XX | Original Term | 635 | 360 | Verified |
| 763 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 763 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 764 | XX | XX | XX | Street | XX | XX | Verified |
| 764 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 764 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 764 | XX | XX | XX | Appraisal Date | XX |  | Verified |
| 764 | XX | XX | XX | # of Units | 1 |  | Verified |
| 764 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 764 | XX | XX | XX | Original LTV | 99.22 |  | Verified |
| 764 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 765 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 766 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 766 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 766 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 766 | XX | XX | XX | Original Term | 378 | 360 | Verified |
| 766 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 766 | XX | XX | XX | Original Interest Rate | 9.779 | 9.78 | Verified |
| 766 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 766 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 767 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 767 | XX | XX | XX | Property Type | Condo (High Rise) | Condo (Mid Rise) | Verified |
| 767 | XX | XX | XX | Doc Type |  | Full | Verified |
| 767 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 768 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 768 | XX | XX | XX | Original Term | 600 | 360 | Verified |
| 768 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 768 | XX | XX | XX | Property Type | Single Family | PUD | Verified |
| 768 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 768 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 769 | XX | XX | XX | City | XX | XX | Verified |
| 769 | XX | XX | XX | Doc Type |  | Full | Verified |
| 769 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 770 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 770 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 770 | XX | XX | XX | Margin |  | 2.5 | Verified |
| 770 | XX | XX | XX | First Interest Rate Change Date |  | 2013-02-28 | Verified |
| 770 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-02-28 | Verified |
| 770 | XX | XX | XX | Interest Rate Life Min |  | 5.875 | Verified |
| 770 | XX | XX | XX | Interest Rate Life Max |  | 14 | Verified |
| 770 | XX | XX | XX | Interest Rate Periodic Floor |  | 3 | Verified |
| 770 | XX | XX | XX | Interest Rate Periodic Cap |  | 3 | Verified |
| 770 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 771 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 771 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 772 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 772 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 772 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 773 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 773 | XX | XX | XX | Original Term | 343 | 300 | Verified |
| 773 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 773 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 774 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 774 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 774 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 774 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 774 | XX | XX | XX | Margin |  | 6.05 | Verified |
| 774 | XX | XX | XX | First Interest Rate Change Date |  | 2008-04-01 | Verified |
| 774 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 774 | XX | XX | XX | Interest Rate Life Min |  | 6.05 | Verified |
| 774 | XX | XX | XX | Interest Rate Life Max |  | 16.047 | Verified |
| 774 | XX | XX | XX | Interest Rate Periodic Floor |  | 1.5 | Verified |
| 774 | XX | XX | XX | Interest Rate Periodic Cap |  | 1.5 | Verified |
| 774 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 774 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 775 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 775 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 775 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 775 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 775 | XX | XX | XX | Original LTV | 77.21 |  | Verified |
| 775 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 776 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 776 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 776 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 776 | XX | XX | XX | Original LTV | 95 |  | Verified |
| 776 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 777 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 777 | XX | XX | XX | Original Term | 613 | 360 | Verified |
| 777 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 777 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 777 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 778 | XX | XX | XX | Doc Type | Stated | Full | Verified |
| 779 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 779 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 779 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 780 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 780 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 780 | XX | XX | XX | Original Term | 621 | 360 | Verified |
| 780 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 780 | XX | XX | XX | Doc Type | Alt | UTD | Verified |
| 780 | XX | XX | XX | Appraisal Date | XX |  | Verified |
| 781 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 781 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 781 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 781 | XX | XX | XX | PMI Coverage % |  | 25 | Verified |
| 782 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 782 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 782 | XX | XX | XX | Original Term | 587 | 360 | Verified |
| 782 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 782 | XX | XX | XX | Doc Type |  | Full | Verified |
| 782 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 782 | XX | XX | XX | Original LTV | 96.42 | 95 | Verified |
| 783 | XX | XX | XX | City | XX | XX | Verified |
| 783 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 783 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 784 | XX | XX | XX | Doc Type |  | Full | Verified |
| 785 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 785 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 786 | XX | XX | XX | Doc Type | Alt | Full | Verified |
| 786 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 787 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 787 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 788 | XX | XX | XX | Street | XX | XX | Verified |
| 788 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 788 | XX | XX | XX | Margin |  | 2.75 | Verified |
| 788 | XX | XX | XX | First Interest Rate Change Date |  | 2008-09-01 | Verified |
| 788 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-09-01 | Verified |
| 788 | XX | XX | XX | Interest Rate Life Min |  | 2.75 | Verified |
| 788 | XX | XX | XX | Interest Rate Life Max |  | 11.25 | Verified |
| 788 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 788 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 788 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 789 | XX | XX | XX | Zip | XX | XX | Verified |
| 789 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 789 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 789 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 789 | XX | XX | XX | Original LTV | 99.99 | 98.51 | Verified |
| 790 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 790 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 790 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 790 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 791 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 791 | XX | XX | XX | Doc Type |  | Full | Verified |
| 791 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 791 | XX | XX | XX | Margin |  | 3.79 | Verified |
| 791 | XX | XX | XX | First Interest Rate Change Date |  | 2006-11-01 | Verified |
| 791 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-05-01 | Verified |
| 791 | XX | XX | XX | Interest Rate Life Min |  | 3.79 | Verified |
| 791 | XX | XX | XX | Interest Rate Life Max |  | 13.25 | Verified |
| 791 | XX | XX | XX | Interest Rate Periodic Floor |  | 1.5 | Verified |
| 791 | XX | XX | XX | Interest Rate Periodic Cap |  | 1.5 | Verified |
| 791 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 792 | XX | XX | XX | Doc Type | Alt | Full | Verified |
| 792 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 792 | XX | XX | XX | Margin |  | 2.75 | Verified |
| 792 | XX | XX | XX | First Interest Rate Change Date |  | 2000-08-01 | Verified |
| 792 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-08-01 | Verified |
| 792 | XX | XX | XX | Interest Rate Life Min |  | 5.574 | Verified |
| 792 | XX | XX | XX | Interest Rate Life Max |  | 10 | Verified |
| 792 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 792 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 792 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 792 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 792 | XX | XX | XX | PMI Coverage % |  | 30 | Verified |
| 793 | XX | XX | XX | Doc Type | Alt | Full | Verified |
| 794 | XX | XX | XX | Original Interest Rate | 6.105 | 6.15 | Verified |
| 794 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 794 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 794 | XX | XX | XX | Margin |  | 6 | Verified |
| 794 | XX | XX | XX | First Interest Rate Change Date |  | 2007-07-01 | Verified |
| 794 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-01-01 | Verified |
| 794 | XX | XX | XX | Interest Rate Life Min |  | 6.15 | Verified |
| 794 | XX | XX | XX | Interest Rate Life Max |  | 12.15 | Verified |
| 794 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 794 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 794 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 795 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 795 | XX | XX | XX | Doc Type |  | Full | Verified |
| 795 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 796 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 796 | XX | XX | XX | Borrower Last Name | XX | XX | Verified |
| 796 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 796 | XX | XX | XX | Coborrower Last Name | XX | XX | Verified |
| 796 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 796 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 798 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 798 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 798 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 798 | XX | XX | XX | Margin |  | 3 | Verified |
| 798 | XX | XX | XX | First Interest Rate Change Date |  | 2013-08-01 | Verified |
| 798 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-08-01 | Verified |
| 798 | XX | XX | XX | Interest Rate Life Min |  | 3 | Verified |
| 798 | XX | XX | XX | Interest Rate Life Max |  | 15.375 | Verified |
| 798 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 798 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 798 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 799 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 799 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 800 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 800 | XX | XX | XX | PMI Company | XX |  | Verified |
| 800 | XX | XX | XX | PMI Coverage % | 25 |  | Verified |
| 801 | XX | XX | XX | Doc Type | Stated | SIVA | Verified |
| 801 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 801 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 801 | XX | XX | XX | Margin |  | 3 | Verified |
| 801 | XX | XX | XX | First Interest Rate Change Date |  | 2014-01-01 | Verified |
| 801 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-01-01 | Verified |
| 801 | XX | XX | XX | Interest Rate Life Min |  | 3 | Verified |
| 801 | XX | XX | XX | Interest Rate Life Max |  | 15.5 | Verified |
| 801 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 801 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 801 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 803 | XX | XX | XX | Doc Type | Stated | Full | Verified |
| 804 | XX | XX | XX | Doc Type |  | Full | Verified |
| 804 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 804 | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| 804 | XX | XX | XX | Margin |  | 3 | Verified |
| 804 | XX | XX | XX | First Interest Rate Change Date |  | 2012-11-01 | Verified |
| 804 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-11-01 | Verified |
| 804 | XX | XX | XX | Interest Rate Life Min |  | 3.25 | Verified |
| 804 | XX | XX | XX | Interest Rate Life Max |  | 13.25 | Verified |
| 804 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 804 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 804 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 805 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 805 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 806 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 806 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 806 | XX | XX | XX | Original Term | 365 | 360 | Verified |
| 806 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 806 | XX | XX | XX | Property Type | PUD | Single Family Detached | Verified |
| 806 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 806 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 806 | XX | XX | XX | Margin |  | 5.25 | Verified |
| 806 | XX | XX | XX | First Interest Rate Change Date |  | 2000-01-01 | Verified |
| 806 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-01-01 | Verified |
| 806 | XX | XX | XX | Interest Rate Life Min |  | 10.75 | Verified |
| 806 | XX | XX | XX | Interest Rate Life Max |  | 17.75 | Verified |
| 806 | XX | XX | XX | Interest Rate Periodic Floor |  | 1.5 | Verified |
| 806 | XX | XX | XX | Interest Rate Periodic Cap |  | 1.5 | Verified |
| 806 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 806 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 807 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 807 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 808 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 809 | XX | XX | XX | Note Date | XX | XX | Verified |
| 809 | XX | XX | XX | Doc Type |  | Full | Verified |
| 809 | XX | XX | XX | Original LTV | 76.5 | 74.63 | Verified |
| 809 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 810 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 810 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 810 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 810 | XX | XX | XX | Index Type |  | Prime | Verified |
| 810 | XX | XX | XX | Margin |  | 2.71 | Verified |
| 810 | XX | XX | XX | First Interest Rate Change Date |  | 2004-06-10 | Verified |
| 810 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-12-10 | Verified |
| 810 | XX | XX | XX | Interest Rate Life Min |  | 6.46 | Verified |
| 810 | XX | XX | XX | Interest Rate Life Max |  | 18.9 | Verified |
| 810 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 810 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 810 | XX | XX | XX | Rounding Factor |  | 0.000 | Verified |
| 811 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 811 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 811 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 811 | XX | XX | XX | Margin |  | 6.09 | Verified |
| 811 | XX | XX | XX | First Interest Rate Change Date |  | 2009-06-01 | Verified |
| 811 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-12-01 | Verified |
| 811 | XX | XX | XX | Interest Rate Life Min |  | 6.09 | Verified |
| 811 | XX | XX | XX | Interest Rate Life Max |  | 14.45 | Verified |
| 811 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 811 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 811 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 811 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 812 | XX | XX | XX | Original Term | 437 | 360 | Verified |
| 812 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 812 | XX | XX | XX | Original Interest Rate | 7.748 | 7.7484 | Verified |
| 812 | XX | XX | XX | Doc Type | No Ratio | UTD | Verified |
| 812 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 813 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 813 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 813 | XX | XX | XX | Index Type |  | MTA - 12 Month | Verified |
| 813 | XX | XX | XX | Margin |  | 3.25 | Verified |
| 813 | XX | XX | XX | First Interest Rate Change Date |  | 2012-12-01 | Verified |
| 813 | XX | XX | XX | Next Interest Rate Change Date |  | 2017-12-01 | Verified |
| 813 | XX | XX | XX | Interest Rate Life Min |  | 3.25 | Verified |
| 813 | XX | XX | XX | Interest Rate Life Max |  | 10.95 | Verified |
| 813 | XX | XX | XX | Interest Rate Periodic Floor |  | 0 | Verified |
| 813 | XX | XX | XX | Interest Rate Periodic Cap |  | 0 | Verified |
| 813 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 814 | XX | XX | XX | Original Term | 563 | 360 | Verified |
| 814 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 814 | XX | XX | XX | Property Type | Single Family | UTD | Verified |
| 814 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 814 | XX | XX | XX | Original LTV | 92.7 |  | Verified |
| 814 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 815 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 815 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 815 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 815 | XX | XX | XX | Index Type |  | FHLMC LIBOR - 6 Month | Verified |
| 815 | XX | XX | XX | Margin |  | 6.5 | Verified |
| 815 | XX | XX | XX | First Interest Rate Change Date |  | 2008-05-01 | Verified |
| 815 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-05-01 | Verified |
| 815 | XX | XX | XX | Interest Rate Life Min |  | 8 | Verified |
| 815 | XX | XX | XX | Interest Rate Life Max |  | 15 | Verified |
| 815 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 815 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 815 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 816 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 816 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 817 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 817 | XX | XX | XX | Coborrower First Name | XX | XX | Verified |
| 817 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 817 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 817 | XX | XX | XX | Index Type |  | US Treasury - 6 Month CMT (Monthly) | Verified |
| 817 | XX | XX | XX | Margin |  | 5.25 | Verified |
| 817 | XX | XX | XX | First Interest Rate Change Date |  | 2007-10-01 | Verified |
| 817 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 817 | XX | XX | XX | Interest Rate Life Min |  | 5.975 | Verified |
| 817 | XX | XX | XX | Interest Rate Life Max |  | 11.975 | Verified |
| 817 | XX | XX | XX | Interest Rate Periodic Floor |  | 1 | Verified |
| 817 | XX | XX | XX | Interest Rate Periodic Cap |  | 1 | Verified |
| 817 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 817 | XX | XX | XX | Original LTV | 52.16 | 66.5 | Verified |
| 817 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |
| 818 | XX | XX | XX | Original Interest Rate | 6.625 | 3.625 | Verified |
| 818 | XX | XX | XX | Margin |  | 2.75 | Verified |
| 818 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-02-01 | Verified |
| 818 | XX | XX | XX | Contract Sales Price | XX |  | Verified |
| 818 | XX | XX | XX | Original LTV | 80 |  | Verified |
| 818 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 819 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 819 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 819 | XX | XX | XX | Doc Type |  | Reduced | Verified |
| 819 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 819 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 819 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 819 | XX | XX | XX | First Interest Rate Change Date |  | 2012-05-01 | Verified |
| 819 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-05-01 | Verified |
| 819 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 819 | XX | XX | XX | Interest Rate Life Max |  | 11.25 | Verified |
| 819 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 819 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 819 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 819 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 820 | XX | XX | XX | Street | XX | XX | Verified |
| 820 | XX | XX | XX | Occupancy | Primary | Investment | Verified |
| 820 | XX | XX | XX | Doc Type | Stated | UTD | Verified |
| 820 | XX | XX | XX | Balloon Flag | 1 | 0 | Verified |
| 821 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 821 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 821 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 821 | XX | XX | XX | First Interest Rate Change Date |  | 2012-11-01 | Verified |
| 821 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-11-01 | Verified |
| 821 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 821 | XX | XX | XX | Interest Rate Life Max |  | 11.875 | Verified |
| 821 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 821 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 821 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 822 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 822 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 823 | XX | XX | XX | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| 823 | XX | XX | XX | Margin |  | 6.875 | Verified |
| 823 | XX | XX | XX | First Interest Rate Change Date |  | 2009-08-01 | Verified |
| 823 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-02-01 | Verified |
| 823 | XX | XX | XX | Interest Rate Life Min |  | 10.265 | Verified |
| 823 | XX | XX | XX | Interest Rate Life Max |  | 17.625 | Verified |
| 823 | XX | XX | XX | Interest Rate Periodic Floor |  | 1.5 | Verified |
| 823 | XX | XX | XX | Interest Rate Periodic Cap |  | 1.5 | Verified |
| 823 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 824 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 824 | XX | XX | XX | First Interest Rate Change Date |  | 2008-03-01 | Verified |
| 824 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-03-01 | Verified |
| 824 | XX | XX | XX | Balloon Flag | 0 | 1 | Verified |
| 825 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 825 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 825 | XX | XX | XX | Doc Type | Alt | Full | Verified |
| 825 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 825 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 825 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 825 | XX | XX | XX | First Interest Rate Change Date |  | 2013-02-01 | Verified |
| 825 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-02-01 | Verified |
| 825 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 825 | XX | XX | XX | Interest Rate Life Max |  | 11.25 | Verified |
| 825 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 825 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 825 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 825 | XX | XX | XX | PMI Company | XX | XX | Verified |
| 825 | XX | XX | XX | PMI Coverage % |  | 12 | Verified |
| 826 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 826 | XX | XX | XX | Doc Type |  | UTD | Verified |
| 826 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 827 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 827 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 828 | XX | XX | XX | Borrower First Name | XX | XX | Verified |
| 828 | XX | XX | XX | Original Term | 311 | 312 | Verified |
| 828 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 828 | XX | XX | XX | Original Interest Rate | 6.55 | 7.05 | Verified |
| 828 | XX | XX | XX | Original P&I | 314.88 | 329.29 | Verified |
| 828 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 829 | XX | XX | XX | Original Interest Rate | 8.834 | 8.83434 | Verified |
| 829 | XX | XX | XX | Purpose | Refinance | UTD | Verified |
| 829 | XX | XX | XX | Doc Type | Full | UTD | Verified |
| 829 | XX | XX | XX | Original LTV | 89.93 |  | Verified |
| 829 | XX | XX | XX | LTV Valuation Value | XX |  | Verified |
| 830 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 830 | XX | XX | XX | Occupancy | Primary | Second Home | Verified |
| 830 | XX | XX | XX | Doc Type | Full | Stated | Verified |
| 830 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 830 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 830 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 830 | XX | XX | XX | First Interest Rate Change Date |  | 2012-08-01 | Verified |
| 830 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-08-01 | Verified |
| 830 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 830 | XX | XX | XX | Interest Rate Life Max |  | 11.875 | Verified |
| 830 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 830 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 830 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 831 | XX | XX | XX | Original Term | 609 | 360 | Verified |
| 831 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 831 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 831 | XX | XX | XX | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| 831 | XX | XX | XX | Margin |  | 2.25 | Verified |
| 831 | XX | XX | XX | First Interest Rate Change Date |  | 2013-04-01 | Verified |
| 831 | XX | XX | XX | Next Interest Rate Change Date |  | 2018-04-01 | Verified |
| 831 | XX | XX | XX | Interest Rate Life Min |  | 2.25 | Verified |
| 831 | XX | XX | XX | Interest Rate Life Max |  | 11.25 | Verified |
| 831 | XX | XX | XX | Interest Rate Periodic Floor |  | 2 | Verified |
| 831 | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified |
| 831 | XX | XX | XX | Rounding Factor |  | 0.125 | Verified |
| 832 | XX | XX | XX | Zip | XX | XX | Verified |
| 832 | XX | XX | XX | Original Term | 597 | 480 | Verified |
| 832 | XX | XX | XX | Maturity Date | XX | XX | Verified |
| 832 | XX | XX | XX | Interest Only | 0 | 1 | Verified |
| 832 | XX | XX | XX | Appraisal Date | XX | XX | Verified |
| 832 | XX | XX | XX | LTV Valuation Value | XX | XX | Verified |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| |
|:---|
| ![](ex99-1sch2_001.jpg) |
| **Exception Grades** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 503 | XX | XX | XX |  | 36798684 | 318322-493-5915 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2017-11-02): No impact on High Cost testing, regraded to EV2-B |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 514 | XX | XX | XX |  | 36798734 | 318351-493-5915 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2017-11-02): No impact on High Cost testing, regraded to EV2-B |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 553 | XX | XX | XX |  | 36798899 | 318459-493-5915 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2017-11-02): No impact on High Cost testing, regraded to EV2-B |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 582 | XX | XX | XX |  | 36799052 | 318534-493-6576 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Reviewer Comment (2017-11-10): Unable to clear- Final HUD provided is an unsigned copy- The signed copy received is the estimated copy |  |  |  | 3 D | XX | OR | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 491 | XX | XX | XX |  | 36798641 | 318297-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  | Reviewer Comment (2017-11-10): Unable to clear- TIL provided is not signed by the borrower |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 556 | XX | XX | XX |  | 36798916 | 318465-493-6576 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Reviewer Comment (2017-11-10): Unable to clear-HUD provided is not signed by the borrower or stamped by the settlement agent |  |  |  | 3 D | XX | CA | Primary | Purchase | D |  |  | No |
| 586 | XX | XX | XX |  | 36801035 | 318558-494-5915 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2017-11-15): CHD-5015- Exception downgraded due to non-material affect on subject loan |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 590 | XX | XX | XX |  | 36801045 | 318584-494-5915 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2017-11-15): CHD-5015- Exception downgraded due to non-material affect on subject loan |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 609 | XX | XX | XX |  | 36801150 | 318667-494-5915 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2017-11-15): CHD-5015- Exception downgraded due to non-material affect on subject loan |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 653 | XX | XX | XX |  | 36801321 | 318864-494-5915 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2017-11-15): CHD-5015- Exception downgraded due to non-material affect on subject loan |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 667 | XX | XX | XX |  | 36801365 | 318948-494-2438 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of 3.07995% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $1,275.46 on an Original Principal Loan Amount of $XX vs. an allowable total of $1,242.35 (an overage of $33.11 or 0.07995%.) |  |  |  |  | Reviewer Comment (2017-11-17): Received servicing screen print to evidence the lender's credit of $33.11 to cure the 3% points and fees exception and copy of letter to borrower. |  | 11/17/2017 |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | No |
| 664 | XX | XX | XX |  | 36801346 | 318928-494-6531 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing. |  |  |  |  | Reviewer Comment (2017-11-17): XX provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception. |  | 11/17/2017 |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | No |
| 664 | XX | XX | XX |  | 36801348 | 318928-494-5895 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  |  |  | Reviewer Comment (2017-11-17): XX provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception. |  | 11/17/2017 |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | No |
| 664 | XX | XX | XX |  | 36801351 | 318928-494-7084 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. |  |  |  |  | Reviewer Comment (2017-11-17): XX provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception. |  | 11/17/2017 |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | No |
| 664 | XX | XX | XX |  | 36801358 | 318928-494-4199 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan closed prior to expiration of 12-day cooling off period) | Texas Constitution Section 50(a)(6): Loan closed prior to expiration of 12-day cooling off period. |  |  |  |  | Reviewer Comment (2017-11-17): XX provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception. |  | 11/17/2017 |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | No |
| 664 | XX | XX | XX |  | 36801352 | 318928-494-2438 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of 3.94327% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $1,847.38 on an Original Principal Loan Amount of $XX vs. an allowable total of $1,405.46 (an overage of $441.92 or 0.94327%.) |  |  |  |  | Reviewer Comment (2017-11-18): Re-graded to an EV2-B based on Outside Counsels feedback on the lenders rebuttal that the loans were made in accordance with existing case law at time of origination which provides that Origination charges to lender constitutes "interest" and is therefore excluded from TX 3% points and fees. |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | No |
| 523 | XX | XX | XX |  | 36798400 | 318369-493-6642 | 11/30/2017 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Temporary SHQM (GSE/Agency Eligible) matches the Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). |  |  |  |  | Reviewer Comment (2017-11-30): Received Loan Designation. |  | 11/30/2017 |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B | UTD | Temporary SHQM (GSE/Agency Eligible) | No |
| 685 | XX | XX | XX |  | 36801455 | 319041-494-6577 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Reviewer Comment (2017-12-06): Received page 1 of a HUD which does not contain estimated verbiage and is stamped true and correct by title company, however missing page 2 of the HUD to verify the fee breakdown to re-test the loan.<br>Seller Comment (2017-12-06): HUD provided. |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 679 | XX | XX | XX |  | 36801425 | 319010-494-6577 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Reviewer Comment (2017-12-07): HUD received is the same estimated copy received in the original loan file - unable to clear |  |  |  | 3 D | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 673 | XX | XX | XX |  | 36801393 | 319000-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  | Reviewer Comment (2017-12-07): Note received was not needed to clear any open exceptions |  |  |  | 2 B | XX | AZ | Primary | Construction-Permanent | B |  |  | No |
| 714 | XX | XX | XX |  | 36801560 | 319137-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  | Reviewer Comment (2017-12-20): note provided was not needed to clear any open exceptions |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 805 | XX | XX | XX |  | 36801919 | 319493-496-2438 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of 3.64240% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $2,410.49 on an Original Principal Loan Amount of $XX vs. an allowable total of $1,985.35 (an overage of $425.14 or 0.64240%.) |  |  |  |  | Reviewer Comment (2017-12-20): Re-graded to an EV2-B based on Outside Counsels feedback on the lenders rebuttal that the loans were made in accordance with existing case law at time of origination which provides that Origination charges to lender constitutes "interest" and is therefore excluded from TX 3% points and fees.  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | No |
| 807 | XX | XX | XX |  | 36801927 | 319508-496-2438 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of 4.06098% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $2,751.44 on an Original Principal Loan Amount of XX vs. an allowable total of $2,032.59 (an overage of $718.85 or 1.06098%.) |  |  |  |  | Reviewer Comment (2017-12-20): Re-graded to an EV2-B based on Outside Counsels feedback on the lenders rebuttal that the loans were made in accordance with existing case law at time of origination which provides that Origination charges to lender constitutes "interest" and is therefore excluded from TX 3% points and fees.  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | No |
| 805 | XX | XX | XX |  | 36801915 | 319493-496-6531 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing. |  |  |  |  | Reviewer Comment (2017-12-22): XX provided copy of letter sent to borrower indicating they are aware the borrower may not have gotten copies of all closing docs and final application at closing. XX has credited $1000 to the principal balance of their loan and offered to refinance their loan and provided screen shots to evidence the application of the $1000. XX also signed attestation that they cannot definitively determine that all documents executed by the borrower were contained within the loan files. Outside counsel advised this was sufficient to cure this exception with the catch all cure.<br>Reviewer Comment (2017-12-22): cured<br>Reviewer Comment (2017-12-22): Received evidence of cure |  | 12/22/2017 |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | No |
| 805 | XX | XX | XX |  | 36801918 | 319493-496-7084 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. |  |  |  |  | Reviewer Comment (2017-12-22): XX provided copy of letter sent to borrower indicating they are aware the borrower may not have gotten copies of all closing docs and final application at closing. XX has credited $1000 to the principal balance of their loan and offered to refinance their loan and provided screen shots to evidence the application of the $1000. XX also signed attestation that they cannot definitively determine that all documents executed by the borrower were contained within the loan files. Outside counsel advised this was sufficient to cure this exception with the catch all cure.<br>Reviewer Comment (2017-12-22): cured<br>Reviewer Comment (2017-12-22): received evidence of cure |  | 12/22/2017 |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | No |
| 994 | XX | XX | XX |  | 36800063 | 320370-510-6579 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2018-04-10): HUD received is from the purchase of the subject property in 08/2006, per tape the HUD is for a refinance from 05/2007.<br>Seller Comment (2018-04-10): HUD provided. |  |  |  | 3 D | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 2186 | XX | XX | XX |  | 27064090 | 1740557274-6583 | 12/19/2020 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Zero percent fee tolerance exceeded; however, sufficient cure was provided at closing. |  |  |  | Reviewer Comment (2020-12-19): Sufficient Cure Provided At Closing |  | 12/19/2020 |  | 1 A | XX | WV | Primary | Refinance - Rate/Term | Final CD evidences Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1804 | XX | XX | XX |  | 24323824 | 5254224-2700 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) With Cure | RESPA (2010): 0% tolerance violation for 802 fee with evidence of cure provided on Final HUD-1 | HUD-1 reflects tolerance cure of $168.00 |  |  |  | Reviewer Comment (2021-08-06): Sufficient cure provided at closing. |  |  |  | 2 B | XX | NC | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1804 | XX | XX | XX |  | 24323825 | 5254224-1305 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) With Cure | RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1 | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2021-08-06): Sufficient cure provided at closing. |  |  |  | 2 B | XX | NC | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1482 | XX | XX | XX |  | 24323493 | 5254348-3085 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance With Cure | RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. |  |  |  |  | Reviewer Comment (2021-08-09): Sufficient cure provided at closing. |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2729 | XX | XX | XX |  | 27064412 | 4017069217-6582 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $164.00 exceeds tolerance of $144.00 plus 10% or $158.40. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2022-06-09): Sufficient Cure Provided At Closing |  | 06/09/2022 |  | 1 A | XX | TX | Primary | Purchase | Final CD evidences Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2729 | XX | XX | XX |  | 27064413 | 4017069217-6583 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  | Reviewer Comment (2022-06-09): Sufficient Cure Provided At Closing |  | 06/09/2022 |  | 1 A | XX | TX | Primary | Purchase | Final CD evidences Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2819 | XX | XX | XX |  | 27064522 | 4015501454-6582 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,900.00 exceeds tolerance of $1,625.00 plus 10% or $1,787.50. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2022-06-10): Sufficient Cure Provided At Closing |  | 06/10/2022 |  | 1 A | XX | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2819 | XX | XX | XX |  | 27064523 | 4015501454-6583 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Payoff Statement Fee. Fee Amount of $80.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75193) |  |  |  |  | Reviewer Comment (2022-06-10): Sufficient Cure Provided At Closing |  | 06/10/2022 |  | 1 A | XX | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2819 | XX | XX | XX |  | 27064524 | 4015501454-6583 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $8.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7579) |  |  |  |  | Reviewer Comment (2022-06-10): Sufficient Cure Provided At Closing |  | 06/10/2022 |  | 1 A | XX | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2334 | XX | XX | XX |  | 27064624 | 4014973194-27765 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,727.00 exceeds tolerance of $1,722.00. Sufficient or excess cure was provided to the borrower. (8304) |  |  |  |  | Reviewer Comment (2022-06-10): Sufficient Cure Provided within 60 Days of Closing |  | 06/10/2022 |  | 1 A | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2768 | XX | XX | XX |  | 27064675 | 4014431693-27765 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $26.08 exceeds tolerance of $24.00. Sufficient or excess cure was provided to the borrower. (7520) | Credit of $558.25 was provided post close which is sufficient to cure. |  |  |  | Reviewer Comment (2022-06-10): Sufficient Cure Provided within 60 Days of Closing |  | 06/10/2022 |  | 1 A | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2264 | XX | XX | XX |  | 27064689 | 4014172665-6583 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $345.00 exceeds tolerance of $340.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Cure provided in the amount of $15.00 |  |  |  | Reviewer Comment (2022-06-13): Sufficient Cure Provided At Closing |  | 06/13/2022 |  | 1 A | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2702 | XX | XX | XX |  | 27064818 | 1738785112-6583 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $11.82 exceeds tolerance of $10.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | No evidence of cure provided. |  |  |  | Reviewer Comment (2022-06-14): Sufficient Cure Provided At Closing |  | 06/14/2022 |  | 1 A | XX | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2572 | XX | XX | XX |  | 27064895 | 1736735679-6583 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Subordination Fee. Fee Amount of $250.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. (7559) |  |  |  |  | Reviewer Comment (2022-06-14): Sufficient Cure Provided At Closing |  | 06/14/2022 |  | 1 A | XX | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2363 | XX | XX | XX |  | 27068140 | 4004473417-7028 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  | Reviewer Comment (2022-07-19): Exception Detail Updated from: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 1750 | XX | XX | XX |  | 24323391 | 5254798-1329 | 12/30/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations was older than 30 days when provided to borrower. | List is dated 02/XX/2013 |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1750 | XX | XX | XX |  | 24323392 | 5254798-2659 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $95,333.35 is underdisclosed from calculated Finance Charge of $95,712.22 in the amount of $378.87. | Unable to determine due to Itemization of Amount Financed does not reflect any title fees. |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1761 | XX | XX | XX |  | 24323384 | 5254217-25158 | 01/05/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Limited Cash-out GSE | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1761 | XX | XX | XX |  | 24323385 | 5254217-2713 | 01/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Limited Cash-out GSE | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1405 | XX | XX | XX |  | 24323412 | 5255253-2684 | 11/10/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | The GFE Estimate is good through date is only 8 business days instead of the required 10. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1405 | XX | XX | XX |  | 24323413 | 5255253-7087 | 11/10/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Taxes and Insurance were escrowed, but evidence that an Initial Escrow Account Disclosure was provided to the Borrower at closing is missing. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1289 | XX | XX | XX |  | 24323440 | 5254215-3141 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1233 | XX | XX | XX |  | 24323442 | 5254367-2802 | 08/11/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1233 | XX | XX | XX |  | 24323447 | 5254367-6572 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/08/2017) |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1233 | XX | XX | XX |  | 24323448 | 5254367-1330 | 08/11/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1233 | XX | XX | XX |  | 24323449 | 5254367-26033 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 02/XX/2017 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/02/2017) |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1233 | XX | XX | XX |  | 24323450 | 5254367-3867 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | File is missing the required AUS with all pages, loan is defaulting to standard ATR/QM documentation requirements." |  |  |  |  |  |  |  | 3 C | XX | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1233 | XX | XX | XX |  | 24323451 | 5254367-18604 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 04/XX/2017 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XX/05/2017) | Seller CD was not in the file. Seller is the Builder of a newly constructed home. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1233 | XX | XX | XX |  | 24323453 | 5254367-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $9.24 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | No cure or Change of circumstances found in the file. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1233 | XX | XX | XX |  | 24323454 | 5254367-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75174) | No cure or Change of circumstances found in the file. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1233 | XX | XX | XX |  | 24323455 | 5254367-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $115.56 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. (7520) | No cure or Change of circumstances found in the file. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1219 | XX | XX | XX |  | 24323476 | 5255269-6331 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,233.75 is less than amount of binding Lender Credit previously disclosed in the amount of $-3,249.00. (9300) | A valid COC was not provided. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1482 | XX | XX | XX |  | 24323487 | 5254348-2694 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | GFE loan amount is $XX and does not match note amount of $XX |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1482 | XX | XX | XX |  | 24323488 | 5254348-2696 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | GFE payment of &737.42 differs from note payment of $746.72 |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1482 | XX | XX | XX |  | 24323489 | 5254348-26039 | 08/09/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. | Loan originated 04/XX/2015. Borrower did not receive right to copy of appraisal within 3 business days |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1482 | XX | XX | XX |  | 24323490 | 5254348-4561 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Incorrect HUD-1 Form Used | RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form. | HUD 1 was on proper form - doc 1253 |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1482 | XX | XX | XX |  | 24323491 | 5254348-2773 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | GFE provided 04/XX/2015. Service providers list provided 04/XX/2015 |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1482 | XX | XX | XX |  | 24323492 | 5254348-18363 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | GFE provided 04/XX/2015. Service providers list provided 04/XX/2015 |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1192 | XX | XX | XX |  | 24323498 | 5254716-2802 | 08/04/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Investment | Refinance - Streamlined | B | N/A | N/A | No |
| 1192 | XX | XX | XX |  | 24323506 | 5254716-26039 | 08/04/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. | Disclosure was provided at closing |  |  |  |  |  |  |  | 2 B | XX | MD | Investment | Refinance - Streamlined | B | N/A | N/A | No |
| 1691 | XX | XX | XX |  | 24323535 | 5255402-2684 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | GFE reflects a Good Thru date for all other settlement charges of 5/XX/2015. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1691 | XX | XX | XX |  | 24323536 | 5255402-2687 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | GFE in loan file is dated 7/XX/2015 |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1443 | XX | XX | XX |  | 24323540 | 5254354-5428 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1367 | XX | XX | XX |  | 24323547 | 5254368-2685 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | No |
| 1367 | XX | XX | XX |  | 24323548 | 5254368-2696 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | No |
| 1367 | XX | XX | XX |  | 24323549 | 5254368-3867 | 08/05/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). | Due to Points and Fees |  |  |  |  |  |  |  | 3 C | XX | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | No |
| 1367 | XX | XX | XX |  | 24323551 | 5254368-3141 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | Unable to determine HUD Settlement Booklet was provided due to missing information. | Disclosure is not dated |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | No |
| 1224 | XX | XX | XX |  | 24323553 | 5255259-26039 | 08/09/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1224 | XX | XX | XX |  | 24323554 | 5255259-3141 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1224 | XX | XX | XX |  | 24323555 | 5255259-3078 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1224 | XX | XX | XX |  | 24323556 | 5255259-18363 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | Borrower(s) did not receive Servicing Disclosure Statement within (3) business days of the application. |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1224 | XX | XX | XX |  | 24323557 | 5255259-3136 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Borrower(s) did not receive Homeownership Counseling Organization list within (3) business days of the application. |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1789 | XX | XX | XX |  | 24323588 | 5254291-1056 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Investment | Refinance - Cash-out - Other | B | N/A | N/A | No |
| 1694 | XX | XX | XX |  | 24323606 | 5254421-2696 | 08/11/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1694 | XX | XX | XX |  | 24323607 | 5254421-3141 | 08/11/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | Provide disclosure that shows date booklet was provided to borrower. |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1108 | XX | XX | XX |  | 24323622 | 5254359-20744 | 08/16/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower's ability to repay not verified with reliable documentation. | Missing MD documentation |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1108 | XX | XX | XX |  | 24323623 | 5254359-6341 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate 5 Year Paid Off | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on 01/XX/2016 did not disclose the total principal paid off in 5 years. (Interim/XX/26/2016) | Loan Estimate dated 1/XX/2016 is missing the 3rd page. Unable to determine. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1108 | XX | XX | XX |  | 24323624 | 5254359-6342 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate 5 Year Payments | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on 01/XX/2016 did not disclose the total principal paid off in 5 years. (Interim/XX/26/2016) | Loan Estimate dated 1/XX/2016 is missing the 3rd page. Unable to determine. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1108 | XX | XX | XX |  | 24323625 | 5254359-6542 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,278.29 exceeds tolerance of $340.00. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount fee increased from $340 to $1278.29 which is a difference of $938.29 and there was not change of circumstance .Credit report increased $4.00 to $4.40 and Tax service fee $18 increased to $27.50 and mortgage state tax stamps $18 to $27.50 . |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1108 | XX | XX | XX |  | 24323626 | 5254359-6542 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $27.50 exceeds tolerance of $18.00. Insufficient or no cure was provided to the borrower. (8304) | Loan Discount fee increased from $340 to $1278.29 which is a difference of $938.29 and there was not change of circumstance .Credit report increased $4.00 to $4.40 and Tax service fee $18 increased to $27.50 and mortgage state tax stamps $18 to $27.50 . |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1206 | XX | XX | XX |  | 24323635 | 5255485-5445 | 08/16/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | There is no evidence of a FACTA in file. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1206 | XX | XX | XX |  | 24323636 | 5255485-2684 | 08/16/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | Initial GFE dated 8/XX/14 and estimate thru date is 9/XX/14. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1206 | XX | XX | XX |  | 24323637 | 5255485-2773 | 08/16/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | Intial GFE was given 8/XX/14 and the list of SSPs was given 8/XX/14. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1533 | XX | XX | XX |  | 24323643 | 5255407-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $76.70 exceeds tolerance of $65.00. Insufficient or no cure was provided to the borrower. (7520) | No valid coc or cure was provided. |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1533 | XX | XX | XX |  | 24323644 | 5255407-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,824.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) | No valid coc or cure was provided. |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1533 | XX | XX | XX |  | 24323645 | 5255407-2760 | 08/11/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Funds Not Disbursed per Agreement) | Massachusetts Mortgage Lender and Broker Regulations: Lender failed to disburse funds in accordance with the commitment or agreement with the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1716 | XX | XX | XX |  | 24323687 | 5254807-2659 | 08/06/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $92,457.37 is underdisclosed from calculated Finance Charge of $92,512.24 in the amount of $54.87. | TIL Itemization did not disclose a Reimbursement of Tax Certification of $55 as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1716 | XX | XX | XX |  | 24323688 | 5254807-18363 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1716 | XX | XX | XX |  | 24323689 | 5254807-1330 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1716 | XX | XX | XX |  | 24323690 | 5254807-3085 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance With Cure | RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1716 | XX | XX | XX |  | 24323691 | 5254807-26039 | 08/06/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1255 | XX | XX | XX |  | 24323709 | 5254424-2802 | 08/13/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1255 | XX | XX | XX |  | 24323711 | 5254424-7027 | 08/13/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2017 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1255 | XX | XX | XX |  | 24323712 | 5254424-25821 | 08/13/2021 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1255 | XX | XX | XX |  | 24323713 | 5254424-1330 | 08/13/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1255 | XX | XX | XX |  | 24323714 | 5254424-7038 | 08/13/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/22/2017) | Missing evidence of borrowers receipt |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Limited Cash-out GSE | No Defined Cure | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1255 | XX | XX | XX |  | 24323718 | 5254424-3867 | 08/13/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. |  |  |  |  |  |  |  | 3 C | XX | PA | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1514 | XX | XX | XX |  | 24323752 | 5254220-3141 | 08/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1514 | XX | XX | XX |  | 24323753 | 5254220-2659 | 08/06/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $210,561.26 is underdisclosed from calculated Finance Charge of $210,991.39 in the amount of $430.13. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1364 | XX | XX | XX |  | 24323783 | 5254310-3867 | 08/16/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Loan is testing as a Higher Price Loan. Missing valid change of circumstance or cure for excessing points/fees charged. |  |  |  |  |  |  |  | 3 C | XX | CO | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1364 | XX | XX | XX |  | 24323784 | 5254310-2683 | 08/16/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.00435% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $9,477.21 on a Federal Total Loan Amount of $XX vs. an allowable total of $9,463.48 (an overage of $13.73 or .00435%). | Missing valid change of circumstance or cure. |  |  |  |  |  |  |  | 3 C | XX | CO | Primary | Purchase | If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:<br> 1)&nbsp;&nbsp;&nbsp;&nbsp; Refund is made within 210 days of consummation;<br> 2)&nbsp;&nbsp;&nbsp;&nbsp; The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> 3)&nbsp;&nbsp;&nbsp;&nbsp; The loan is not 60 days delinquent;<br> 4)&nbsp;&nbsp;&nbsp;&nbsp; The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and<br> 5)&nbsp;&nbsp;&nbsp;&nbsp; The loan was closed on or before January XX, 2021;<br>Documents Required to Cure<br> 1)&nbsp;&nbsp;&nbsp;&nbsp; Letter of Explanation<br> 2)&nbsp;&nbsp;&nbsp;&nbsp; Copy of Refund Check (in the amount of overage plus interest)<br> 3)&nbsp;&nbsp;&nbsp;&nbsp; Proof of Delivery<br> 4)&nbsp;&nbsp;&nbsp;&nbsp; Lender/Seller Attestation indicating:<br> &nbsp;&nbsp;&nbsp;&nbsp; a)&nbsp;&nbsp;&nbsp;&nbsp; The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> &nbsp;&nbsp;&nbsp;&nbsp; b)&nbsp;&nbsp;&nbsp;&nbsp; The loan is not 60 days delinquent; and<br> &nbsp;&nbsp;&nbsp;&nbsp; c)&nbsp;&nbsp;&nbsp;&nbsp; The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1152 | XX | XX | XX |  | 24323802 | 5255360-3141 | 08/11/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1152 | XX | XX | XX |  | 24323803 | 5255360-3071 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1152 | XX | XX | XX |  | 24323804 | 5255360-3074 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1601 | XX | XX | XX |  | 24323808 | 5255403-2684 | 08/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1601 | XX | XX | XX |  | 24323809 | 5255403-2702 | 08/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1601 | XX | XX | XX |  | 24323811 | 5255403-1044 | 08/04/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Unemployment Income Documentation | Qualified Mortgage (Dodd-Frank 2014): Unemployment income documentation for two (2) years requirement not met. (Honadel,Karen Unemployed/Unemployment) | Missing income documentation; loan is water falling to standard QM/ATR documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1601 | XX | XX | XX |  | 24323812 | 5255403-25030 | 08/04/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Missing income documentation; loan is water falling to standard QM/ATR documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1601 | XX | XX | XX |  | 24323813 | 5255403-3867 | 08/04/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Missing income documentation; loan is water falling to standard QM/ATR documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | GA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1601 | XX | XX | XX |  | 24323814 | 5255403-1257 | 08/04/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Missing income documentation; loan is water falling to standard QM/ATR documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1804 | XX | XX | XX |  | 24323822 | 5254224-3495 | 08/06/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XX/02/2015) | Appraisal Notice reflects Borrower was sent the appraisal on 10/XX/2015. the appraisal signature date is 10/XX/2015 |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1804 | XX | XX | XX |  | 24323823 | 5254224-26039 | 08/06/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1180 | XX | XX | XX |  | 24323871 | 5254361-19965 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | ECOA signed and dated 12/XX/2015 |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | Good faith redisclosure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1180 | XX | XX | XX |  | 24323872 | 5254361-1330 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling document was not provided |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1180 | XX | XX | XX |  | 24323873 | 5254361-4428 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2016 did not disclose whether the loan will have an escrow account. (Final/XX/16/2016) | Page 1 other is checked yes to be escrowed. Should just be taxes and insurance. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1180 | XX | XX | XX |  | 24323874 | 5254361-26256 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2016 did not disclose Estimated Property Costs over Year 1. (Final/XX/16/2016) | Page 1 other is checked yes to be escrowed. Should just be taxes and insurance. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1180 | XX | XX | XX |  | 24323875 | 5254361-4566 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2016 incorrectly disclosed whether the loan will have an escrow account. (Final/XX/16/2016) | Page 1 other is checked yes. Should just be taxes and insurance. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1180 | XX | XX | XX |  | 24323876 | 5254361-3880 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $2,289.48 may be required. | Loan Estimate is missing. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1392 | XX | XX | XX |  | 24323894 | 5255415-6346 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2016 incorrectly disclosed whether property taxes are included in escrow. (Final/XX/03/2016) | Final Closing Disclosure provided on 02/XX/2016 did not disclose whether property taxes are included in escrow. Tax Impounds - Township of $849.64 reflected in Section G of the Final Closing Disclosure. |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1455 | XX | XX | XX |  | 24323950 | 5254796-3141 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1621 | XX | XX | XX |  | 24323951 | 5254356-2802 | 08/06/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | Second Home | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1621 | XX | XX | XX |  | 24323953 | 5254356-25158 | 08/06/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Second Home | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1389 | XX | XX | XX |  | 24323983 | 5254221-6572 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/03/2015) |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1389 | XX | XX | XX |  | 24323984 | 5254221-25158 | 08/11/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1389 | XX | XX | XX |  | 24323985 | 5254221-25030 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  |  |  |  |  | 3 C | XX | KS | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1389 | XX | XX | XX |  | 24323986 | 5254221-1330 | 08/11/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1389 | XX | XX | XX |  | 24323987 | 5254221-26260 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. |  |  |  |  |  |  |  |  | 3 C | XX | KS | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1389 | XX | XX | XX |  | 24323988 | 5254221-22050 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final Closing Disclosure Received Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1389 | XX | XX | XX |  | 24323989 | 5254221-3867 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | File is missing the required AUS with all pages, loan is defaulting to standard ATR/QM documentation requirements |  |  |  |  |  |  |  | 3 C | XX | KS | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1389 | XX | XX | XX |  | 24323990 | 5254221-1257 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. |  |  |  |  |  |  |  | 3 C | XX | KS | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1103 | XX | XX | XX |  | 24323998 | 5254806-2702 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1530 | XX | XX | XX |  | 24324001 | 5253830-7115 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1530 | XX | XX | XX |  | 24324002 | 5253830-6542 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,171.93 exceeds tolerance of $2,159.00. Insufficient or no cure was provided to the borrower. (7200) | Loan discount fee was increased from $614 to $2171.93 with not change of circumstance or cost to cure. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1430 | XX | XX | XX |  | 24324040 | 5254327-2802 | 08/17/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1430 | XX | XX | XX |  | 24324043 | 5254327-25158 | 08/17/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1430 | XX | XX | XX |  | 24324044 | 5254327-3867 | 08/17/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | File is missing the required AUS with all pages, loan is defaulting to standard ATR/QM documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | NM | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1430 | XX | XX | XX |  | 24324045 | 5254327-1257 | 08/17/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | File is missing the required AUS with all pages, loan is defaulting to standard ATR/QM documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | NM | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1430 | XX | XX | XX |  | 24324046 | 5254327-1330 | 08/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1430 | XX | XX | XX |  | 24324048 | 5254327-6542 | 08/17/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190) | No evidence of COC. Provide cure. |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1430 | XX | XX | XX |  | 24324049 | 5254327-7038 | 08/17/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/31/2019) | Missing evidence the borrower received the CD, 3 days prior to closing. |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Purchase | No Defined Cure | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1430 | XX | XX | XX |  | 24324050 | 5254327-6572 | 08/17/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/18/2019) |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1430 | XX | XX | XX |  | 24324053 | 5254327-24137 | 08/17/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XX) | Current employment was verified. Prior employment was verified with, paystub and W2. Missing VVOE, to verify previous employment dates. |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1801 | XX | XX | XX |  | 24324064 | 5255268-7115 | 08/16/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The difference is final Cd shows and aggregate adjustment on the escrows. |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1801 | XX | XX | XX |  | 24324065 | 5255268-1974 | 08/16/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. | Provided 12/XX/2015 |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1493 | XX | XX | XX |  | 24324130 | 5254420-2802 | 08/16/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No |
| 1493 | XX | XX | XX |  | 24324132 | 5254420-6572 | 08/16/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/13/2018) |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No |
| 1493 | XX | XX | XX |  | 24324134 | 5254420-25158 | 08/16/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No |
| 1493 | XX | XX | XX |  | 24324135 | 5254420-1330 | 08/16/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No |
| 1493 | XX | XX | XX |  | 24324136 | 5254420-3867 | 08/16/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Higher Priced QM. | Loan Designation is Temporary HPQM. Loan is failing QM status, due to missing AUS, unable to determine if all conditions were met. |  |  |  |  |  |  |  | 3 C | XX | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No |
| 1493 | XX | XX | XX |  | 24324137 | 5254420-6415 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 05/XX/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/XX/25/2018) | Contact NMLS ID not provided |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No |
| 1493 | XX | XX | XX |  | 24324138 | 5254420-7038 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/25/2018) | Missing evidence of CD delivery, 3 days prior to closing. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No |
| 1493 | XX | XX | XX |  | 24324139 | 5254420-6543 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,872.52 exceeds tolerance of $1,186.00 plus 10% or $1,304.60. Insufficient or no cure was provided to the borrower. (0) | Missing evidence of a valid Change of Circumstance. No cure was provided |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No |
| 1493 | XX | XX | XX |  | 24324140 | 5254420-6542 | 08/16/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $631.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Missing evidence of a valid Change of Circumstance. No cure was provided |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary HPQM (GSE/Agency Eligible) | Higher Priced QM | No |
| 1788 | XX | XX | XX |  | 24324195 | 5253516-2654 | 07/30/2021 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1774 | XX | XX | XX |  | 24324220 | 5253817-2684 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Limited Cash-out GSE | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1774 | XX | XX | XX |  | 24324221 | 5253817-2659 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $108,480.37 is underdisclosed from calculated Finance Charge of $108,521.56 in the amount of $41.19. | TIL itemization did not disclose a Subordination Recording Fee of $44 as a prepaid finances charge. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Limited Cash-out GSE | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1509 | XX | XX | XX |  | 24324284 | 5253526-6572 | 07/29/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/12/2015) |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1381 | XX | XX | XX |  | 24324315 | 5253823-2654 | 08/13/2021 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1381 | XX | XX | XX |  | 24324316 | 5253823-3071 | 08/13/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1381 | XX | XX | XX |  | 24324317 | 5253823-3074 | 08/13/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1381 | XX | XX | XX |  | 24324318 | 5253823-2659 | 08/13/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $106,786.51 is underdisclosed from calculated Finance Charge of $106,914.91 in the amount of $128.40. | Unable to determine the under disclosure due to the Itemization of Amount Financed does not disclose all the fee. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1520 | XX | XX | XX |  | 24324381 | 5253537-4376 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 08/XX/2016). (Final/XX/10/2016) | The calculated finance charge of $113,348.40 is higher than the $112,885.25. |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1520 | XX | XX | XX |  | 24324382 | 5253537-6331 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-463.15 is less than amount of binding Lender Credit previously disclosed in the amount of $-467.00. (9300) | The lender credit decreased without a valid change of circumstance. |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1520 | XX | XX | XX |  | 24324383 | 5253537-2666 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2016, prior to three (3) business days from transaction date of 08/XX/2016. | The provided Right To Cancel is an estimate. Please provide the final right to cancel document. |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1520 | XX | XX | XX |  | 24324384 | 5253537-2647 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | File contains a CD dated 8/XX/16 (a day before closing) which is not signed, borrower default received date is 8/XX/16 and RTC signature and notary date is 8/XX/16 |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1463 | XX | XX | XX |  | 24324407 | 5254425-1025 | 12/15/2020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - 25% Method | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for 4928 Lynwood Avenue. Lease Agreement not provided or % of gross rents used is greater than 75%. (XX/25% Vacancy Method) | Loan is missing full AUS and waterfalling to ATR/QM documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1463 | XX | XX | XX |  | 24324408 | 5254425-6572 | 12/15/2020 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/25/2018) |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1463 | XX | XX | XX |  | 24324409 | 5254425-1330 | 12/15/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1463 | XX | XX | XX |  | 24324410 | 5254425-6542 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,360.13 exceeds tolerance of $1,198.00. Insufficient or no cure was provided to the borrower. (7200) | No cure provided |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1463 | XX | XX | XX |  | 24324411 | 5254425-3867 | 12/15/2020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Loan is missing full AUS and waterfalling to ATR/QM documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1463 | XX | XX | XX |  | 24324412 | 5254425-2683 | 12/15/2020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.61304% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $4,580.13 on a Federal Total Loan Amount of $XX vs. an allowable total of $3,802.99 (an overage of $777.14 or .61304%). | Exceeds points and fees. |  |  |  |  |  |  |  | 3 C | XX | NY | Primary | Purchase | If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:<br> 1)&nbsp;&nbsp;&nbsp;&nbsp; Refund is made within 210 days of consummation;<br> 2)&nbsp;&nbsp;&nbsp;&nbsp; The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> 3)&nbsp;&nbsp;&nbsp;&nbsp; The loan is not 60 days delinquent;<br> 4)&nbsp;&nbsp;&nbsp;&nbsp; The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and<br> 5)&nbsp;&nbsp;&nbsp;&nbsp; The loan was closed on or before January XX, 2021;<br>Documents Required to Cure<br> 1)&nbsp;&nbsp;&nbsp;&nbsp; Letter of Explanation<br> 2)&nbsp;&nbsp;&nbsp;&nbsp; Copy of Refund Check (in the amount of overage plus interest)<br> 3)&nbsp;&nbsp;&nbsp;&nbsp; Proof of Delivery<br> 4)&nbsp;&nbsp;&nbsp;&nbsp; Lender/Seller Attestation indicating:<br> &nbsp;&nbsp;&nbsp;&nbsp; a)&nbsp;&nbsp;&nbsp;&nbsp; The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> &nbsp;&nbsp;&nbsp;&nbsp; b)&nbsp;&nbsp;&nbsp;&nbsp; The loan is not 60 days delinquent; and<br> &nbsp;&nbsp;&nbsp;&nbsp; c)&nbsp;&nbsp;&nbsp;&nbsp; The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1463 | XX | XX | XX |  | 24324413 | 5254425-7038 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/31/2018) | Initial Closing Disclosure dated same as Final Closing Disclosure. Miccing Closing Disclosure issued at least 3 business days prior to consummation |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | No Defined Cure | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 1659 | XX | XX | XX |  | 24324457 | 5254195-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1659 | XX | XX | XX |  | 24324458 | 5254195-6589 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1659 | XX | XX | XX |  | 24324459 | 5254195-3070 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1771 | XX | XX | XX |  | 24324463 | 5254866-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1771 | XX | XX | XX |  | 24324464 | 5254866-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1771 | XX | XX | XX |  | 24324465 | 5254866-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1679 | XX | XX | XX |  | 24324470 | 5254182-5437 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1679 | XX | XX | XX |  | 24324471 | 5254182-2773 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1679 | XX | XX | XX |  | 24324472 | 5254182-1859 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1679 | XX | XX | XX |  | 24324474 | 5254182-2702 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1612 | XX | XX | XX |  | 24324477 | 5254000-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 1612 | XX | XX | XX |  | 24324478 | 5254000-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 1839 | XX | XX | XX |  | 24324486 | 5253867-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1839 | XX | XX | XX |  | 24324487 | 5253867-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1355 | XX | XX | XX |  | 24324508 | 5255359-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 1355 | XX | XX | XX |  | 24324509 | 5255359-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 1355 | XX | XX | XX |  | 24324510 | 5255359-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 1556 | XX | XX | XX |  | 24324561 | 5253936-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | UTD - UTD | D |  |  | No |
| 1556 | XX | XX | XX |  | 24324563 | 5253936-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | UTD - UTD | D |  |  | No |
| 1556 | XX | XX | XX |  | 24324564 | 5253936-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | UTD - UTD | D |  |  | No |
| 1556 | XX | XX | XX |  | 24324565 | 5253936-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | AL | Primary | UTD - UTD | D |  |  | No |
| 1556 | XX | XX | XX |  | 24324566 | 5253936-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | UTD - UTD | D |  |  | No |
| 1556 | XX | XX | XX |  | 24324567 | 5253936-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | UTD - UTD | D |  |  | No |
| 1556 | XX | XX | XX |  | 24324568 | 5253936-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1556 | XX | XX | XX |  | 24324569 | 5253936-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | UTD - UTD | D |  |  | No |
| 1744 | XX | XX | XX |  | 24324607 | 5254404-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1744 | XX | XX | XX |  | 24324608 | 5254404-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $99,139.81 is underdisclosed from calculated Finance Charge of $99,364.81 in the amount of $225.00. | Unable to determine under disclosure, due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1794 | XX | XX | XX |  | 24324618 | 5255421-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1282 | XX | XX | XX |  | 24324633 | 5254949-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1282 | XX | XX | XX |  | 24324635 | 5254949-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1282 | XX | XX | XX |  | 24324636 | 5254949-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1282 | XX | XX | XX |  | 24324637 | 5254949-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | IL | Primary | Purchase | D |  |  | No |
| 1282 | XX | XX | XX |  | 24324638 | 5254949-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1282 | XX | XX | XX |  | 24324639 | 5254949-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1541 | XX | XX | XX |  | 24324641 | 5254619-5791 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1541 | XX | XX | XX |  | 24324642 | 5254619-28241 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1736 | XX | XX | XX |  | 24324647 | 5254108-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1736 | XX | XX | XX |  | 24324648 | 5254108-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1084 | XX | XX | XX |  | 24324675 | 5255344-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1084 | XX | XX | XX |  | 24324676 | 5255344-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1098 | XX | XX | XX |  | 24324678 | 5254915-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 1204 | XX | XX | XX |  | 24324680 | 5255135-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1672 | XX | XX | XX |  | 24324690 | 5255010-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | D |  |  | No |
| 1672 | XX | XX | XX |  | 24324691 | 5255010-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | D |  |  | No |
| 1672 | XX | XX | XX |  | 24324692 | 5255010-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | WA | Primary | Purchase | D |  |  | No |
| 1672 | XX | XX | XX |  | 24324693 | 5255010-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | D |  |  | No |
| 1672 | XX | XX | XX |  | 24324694 | 5255010-25686 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | No Defined Cure |  |  | No |
| 1672 | XX | XX | XX |  | 24324695 | 5255010-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | No Defined Cure |  |  | No |
| 1672 | XX | XX | XX |  | 24324696 | 5255010-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | D |  |  | No |
| 1434 | XX | XX | XX |  | 24324701 | 5255390-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1434 | XX | XX | XX |  | 24324702 | 5255390-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1434 | XX | XX | XX |  | 24324703 | 5255390-5430 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1434 | XX | XX | XX |  | 24324704 | 5255390-5432 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1434 | XX | XX | XX |  | 24324705 | 5255390-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1434 | XX | XX | XX |  | 24324706 | 5255390-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1434 | XX | XX | XX |  | 24324707 | 5255390-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1434 | XX | XX | XX |  | 24324708 | 5255390-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1434 | XX | XX | XX |  | 24324709 | 5255390-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1434 | XX | XX | XX |  | 24324710 | 5255390-3071 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1434 | XX | XX | XX |  | 24324711 | 5255390-3074 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1434 | XX | XX | XX |  | 24324712 | 5255390-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1685 | XX | XX | XX |  | 24324717 | 5255177-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1685 | XX | XX | XX |  | 24324718 | 5255177-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1685 | XX | XX | XX |  | 24324719 | 5255177-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1685 | XX | XX | XX |  | 24324720 | 5255177-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $176,805.45 is underdisclosed from calculated Finance Charge of $177,197.08 in the amount of $391.63. | Unable to determine under disclosure due to missing the Itemization of Amount Financed |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1685 | XX | XX | XX |  | 24324721 | 5255177-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1623 | XX | XX | XX |  | 24324722 | 5254751-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1623 | XX | XX | XX |  | 24324724 | 5254751-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1623 | XX | XX | XX |  | 24324725 | 5254751-7042 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1581 | XX | XX | XX |  | 24324759 | 5255323-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 1581 | XX | XX | XX |  | 24324761 | 5255323-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 1581 | XX | XX | XX |  | 24324762 | 5255323-18330 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 1581 | XX | XX | XX |  | 24324765 | 5255323-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 1581 | XX | XX | XX |  | 24324766 | 5255323-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 1581 | XX | XX | XX |  | 24324767 | 5255323-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 1581 | XX | XX | XX |  | 24324768 | 5255323-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1581 | XX | XX | XX |  | 24324769 | 5255323-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 1581 | XX | XX | XX |  | 24324770 | 5255323-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 1769 | XX | XX | XX |  | 24324771 | 5255033-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1380 | XX | XX | XX |  | 24324772 | 5254603-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1516 | XX | XX | XX |  | 24324773 | 5255020-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $159,604.52 is underdisclosed from calculated Finance Charge of $159,710.59 in the amount of $106.07. | TIL itemization did not disclose a $76 assignment recording fee or $30 courier fee as prepaid finance charges |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1186 | XX | XX | XX |  | 24324781 | 5255275-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $160,715.17 is underdisclosed from calculated Finance Charge of $162,155.19 in the amount of $1,440.02. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1298 | XX | XX | XX |  | 24324783 | 5254593-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1298 | XX | XX | XX |  | 24324784 | 5254593-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1505 | XX | XX | XX |  | 24324798 | 5255234-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1505 | XX | XX | XX |  | 24324799 | 5255234-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1505 | XX | XX | XX |  | 24324800 | 5255234-28193 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1505 | XX | XX | XX |  | 24324801 | 5255234-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1505 | XX | XX | XX |  | 24324802 | 5255234-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1505 | XX | XX | XX |  | 24324803 | 5255234-3063 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1505 | XX | XX | XX |  | 24324804 | 5255234-2688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1505 | XX | XX | XX |  | 24324805 | 5255234-3078 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1583 | XX | XX | XX |  | 24324809 | 5254486-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1583 | XX | XX | XX |  | 24324811 | 5254486-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1583 | XX | XX | XX |  | 24324812 | 5254486-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1583 | XX | XX | XX |  | 24324813 | 5254486-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1583 | XX | XX | XX |  | 24324814 | 5254486-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1746 | XX | XX | XX |  | 24324817 | 5254541-5445 | 07/06/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1746 | XX | XX | XX |  | 24324818 | 5254541-25677 | 07/06/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1746 | XX | XX | XX |  | 24324819 | 5254541-25688 | 07/06/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 1444 | XX | XX | XX |  | 24324874 | 5255237-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - Rate/Term | B |  |  | No |
| 1444 | XX | XX | XX |  | 24324877 | 5255237-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - Rate/Term | B |  |  | No |
| 1444 | XX | XX | XX |  | 24324878 | 5255237-18330 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - Rate/Term | B |  |  | No |
| 1444 | XX | XX | XX |  | 24324879 | 5255237-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - Rate/Term | B |  |  | No |
| 1444 | XX | XX | XX |  | 24324880 | 5255237-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - Rate/Term | B |  |  | No |
| 1444 | XX | XX | XX |  | 24324881 | 5255237-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - Rate/Term | B |  |  | No |
| 1444 | XX | XX | XX |  | 24324882 | 5255237-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1444 | XX | XX | XX |  | 24324883 | 5255237-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - Rate/Term | B |  |  | No |
| 1335 | XX | XX | XX |  | 24324885 | 5253844-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Investment | Purchase | B |  |  | No |
| 1620 | XX | XX | XX |  | 24324892 | 5255484-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1620 | XX | XX | XX |  | 24324893 | 5255484-5434 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1620 | XX | XX | XX |  | 24324894 | 5255484-6514 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1620 | XX | XX | XX |  | 24324895 | 5255484-5437 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1620 | XX | XX | XX |  | 24324896 | 5255484-6509 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1620 | XX | XX | XX |  | 24324897 | 5255484-28193 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1620 | XX | XX | XX |  | 24324898 | 5255484-2687 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1620 | XX | XX | XX |  | 24324899 | 5255484-2696 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1620 | XX | XX | XX |  | 24324900 | 5255484-3141 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1620 | XX | XX | XX |  | 24324901 | 5255484-18362 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1620 | XX | XX | XX |  | 24324902 | 5255484-3078 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1074 | XX | XX | XX |  | 24324920 | 5254534-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 1151 | XX | XX | XX |  | 24324950 | 5255353-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1151 | XX | XX | XX |  | 24324951 | 5255353-7042 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1407 | XX | XX | XX |  | 24324965 | 5255236-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1555 | XX | XX | XX |  | 24324966 | 5254764-6576 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | HI | Primary | Refinance - Rate/Term | D |  |  | No |
| 1678 | XX | XX | XX |  | 24324968 | 5254240-611 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1678 | XX | XX | XX |  | 24324969 | 5254240-613 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1678 | XX | XX | XX |  | 24324970 | 5254240-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1678 | XX | XX | XX |  | 24324972 | 5254240-25686 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1678 | XX | XX | XX |  | 24324973 | 5254240-6306 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1678 | XX | XX | XX |  | 24324974 | 5254240-3953 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1798 | XX | XX | XX |  | 24324982 | 5253917-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 1798 | XX | XX | XX |  | 24324983 | 5253917-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 1798 | XX | XX | XX |  | 24324984 | 5253917-25686 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | No Defined Cure B |  |  | No |
| 1798 | XX | XX | XX |  | 24324985 | 5253917-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | No Defined Cure B |  |  | No |
| 1798 | XX | XX | XX |  | 24324986 | 5253917-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 1454 | XX | XX | XX |  | 24324987 | 5255196-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1454 | XX | XX | XX |  | 24324988 | 5255196-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1454 | XX | XX | XX |  | 24324989 | 5255196-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1454 | XX | XX | XX |  | 24324990 | 5255196-1992 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1442 | XX | XX | XX |  | 24324999 | 5255054-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1253 | XX | XX | XX |  | 24325017 | 5254753-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1253 | XX | XX | XX |  | 24325018 | 5254753-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1527 | XX | XX | XX |  | 24325043 | 5255284-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1527 | XX | XX | XX |  | 24325044 | 5255284-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $194,875.26 is underdisclosed from calculated Finance Charge of $195,273.52 in the amount of $398.26. | Unable to determine under disclosure due to the missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1304 | XX | XX | XX |  | 24325049 | 5255048-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1575 | XX | XX | XX |  | 24325047 | 5255093-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 1251 | XX | XX | XX |  | 24325051 | 5254525-6577 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NJ | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1251 | XX | XX | XX |  | 24325052 | 5254525-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1251 | XX | XX | XX |  | 24325053 | 5254525-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $362,777.80 is underdisclosed from calculated Finance Charge of $363,108.84 in the amount of $331.04. | TIL itemization did not disclose a courier fee of $4.11, document signing fee of $325, and flood cert life of loan fee of $2.00 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | No |
| 1251 | XX | XX | XX |  | 24325054 | 5254525-24983 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1471 | XX | XX | XX |  | 24325061 | 5255298-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 1698 | XX | XX | XX |  | 24325074 | 5254007-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1261 | XX | XX | XX |  | 24325076 | 5254639-613 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1261 | XX | XX | XX |  | 24325077 | 5254639-22050 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1261 | XX | XX | XX |  | 24325078 | 5254639-3953 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1456 | XX | XX | XX |  | 24325080 | 5255391-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1456 | XX | XX | XX |  | 24325081 | 5255391-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1456 | XX | XX | XX |  | 24325082 | 5255391-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1456 | XX | XX | XX |  | 24325083 | 5255391-2694 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1456 | XX | XX | XX |  | 24325084 | 5255391-2696 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1456 | XX | XX | XX |  | 24325085 | 5255391-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1456 | XX | XX | XX |  | 24325086 | 5255391-3063 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1456 | XX | XX | XX |  | 24325087 | 5255391-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1456 | XX | XX | XX |  | 24325088 | 5255391-6443 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2009 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 4.20932% or Final Disclosure APR of 4.24200% is in excess of allowable threshold of APOR 2.72% + 1.5%, or 4.22000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1456 | XX | XX | XX |  | 24325089 | 5255391-3070 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1244 | XX | XX | XX |  | 24325106 | 5255218-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1244 | XX | XX | XX |  | 24325107 | 5255218-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1244 | XX | XX | XX |  | 24325108 | 5255218-5430 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1244 | XX | XX | XX |  | 24325109 | 5255218-5432 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1244 | XX | XX | XX |  | 24325110 | 5255218-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1244 | XX | XX | XX |  | 24325111 | 5255218-2694 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1244 | XX | XX | XX |  | 24325112 | 5255218-2696 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1244 | XX | XX | XX |  | 24325113 | 5255218-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1244 | XX | XX | XX |  | 24325114 | 5255218-3063 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1244 | XX | XX | XX |  | 24325115 | 5255218-1973 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1244 | XX | XX | XX |  | 24325116 | 5255218-1976 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1244 | XX | XX | XX |  | 24325117 | 5255218-6589 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1244 | XX | XX | XX |  | 24325118 | 5255218-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1245 | XX | XX | XX |  | 24325121 | 5254828-5791 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1485 | XX | XX | XX |  | 24325123 | 5254960-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1485 | XX | XX | XX |  | 24325124 | 5254960-24490 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1485 | XX | XX | XX |  | 24325125 | 5254960-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1485 | XX | XX | XX |  | 24325126 | 5254960-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1485 | XX | XX | XX |  | 24325127 | 5254960-7039 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1566 | XX | XX | XX |  | 24325131 | 5254791-22137 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1258 | XX | XX | XX |  | 24325147 | 5255166-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1258 | XX | XX | XX |  | 24325148 | 5255166-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1597 | XX | XX | XX |  | 24325164 | 5254844-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1203 | XX | XX | XX |  | 24325169 | 5254513-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1663 | XX | XX | XX |  | 24325172 | 5254867-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 1876 | XX | XX | XX |  | 24325199 | 5254936-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1876 | XX | XX | XX |  | 24325200 | 5254936-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1064 | XX | XX | XX |  | 24325202 | 5255145-2666 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1406 | XX | XX | XX |  | 24325204 | 5255256-5445 | 07/06/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1406 | XX | XX | XX |  | 24325205 | 5255256-25158 | 07/06/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1306 | XX | XX | XX |  | 24325208 | 5254498-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1306 | XX | XX | XX |  | 24325209 | 5254498-24490 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1306 | XX | XX | XX |  | 24325210 | 5254498-25687 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1480 | XX | XX | XX |  | 24325211 | 5254767-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1806 | XX | XX | XX |  | 24325225 | 5253964-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1806 | XX | XX | XX |  | 24325226 | 5253964-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1191 | XX | XX | XX |  | 24325227 | 5255028-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1191 | XX | XX | XX |  | 24325228 | 5255028-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1191 | XX | XX | XX |  | 24325229 | 5255028-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1191 | XX | XX | XX |  | 24325230 | 5255028-22137 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1191 | XX | XX | XX |  | 24325231 | 5255028-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1191 | XX | XX | XX |  | 24325232 | 5255028-23081 | 07/20/2021 | Compliance | Compliance | Federal Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information) | Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1191 | XX | XX | XX |  | 24325233 | 5255028-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $129,355.76 is underdisclosed from calculated Finance Charge of $129,608.27 in the amount of $252.51. | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1191 | XX | XX | XX |  | 24325234 | 5255028-5010 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1191 | XX | XX | XX |  | 24325235 | 5255028-3953 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1191 | XX | XX | XX |  | 24325236 | 5255028-613 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1118 | XX | XX | XX |  | 24325242 | 5254591-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $82,996.28 is underdisclosed from calculated Finance Charge of $83,074.85 in the amount of $78.57. | Lenders Final TIL represents 60 monthly payments of MI. Whereas audited finance charge reflects 62 monthly payments of MI and a fall-off after approximately 78% LTV. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1585 | XX | XX | XX |  | 24325246 | 5254865-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 1585 | XX | XX | XX |  | 24325247 | 5254865-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 1585 | XX | XX | XX |  | 24325248 | 5254865-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $209,753.89 is underdisclosed from calculated Finance Charge of $209,900.96 in the amount of $147.07. | Fees are under disclosed and fees match the HUD. Unable to verify the reason for the under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1693 | XX | XX | XX |  | 24325250 | 5254301-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1693 | XX | XX | XX |  | 24325251 | 5254301-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1693 | XX | XX | XX |  | 24325252 | 5254301-2499 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) | Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1693 | XX | XX | XX |  | 24325253 | 5254301-2647 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1665 | XX | XX | XX |  | 24325257 | 5255213-2659 | 07/06/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $193,094.57 is underdisclosed from calculated Finance Charge of $193,197.23 in the amount of $102.66. | TIL Itemization of Amount Financed did not disclose a Settlement fee of $102.78 as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1665 | XX | XX | XX |  | 24325258 | 5255213-3934 | 07/06/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1695 | XX | XX | XX |  | 24325259 | 5254311-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1475 | XX | XX | XX |  | 24325277 | 5255282-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 1475 | XX | XX | XX |  | 24325279 | 5255282-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 1475 | XX | XX | XX |  | 24325280 | 5255282-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 1475 | XX | XX | XX |  | 24325281 | 5255282-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | GA | Primary | Purchase | D |  |  | No |
| 1475 | XX | XX | XX |  | 24325282 | 5255282-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 1475 | XX | XX | XX |  | 24325283 | 5255282-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 1765 | XX | XX | XX |  | 24325288 | 5255483-2687 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1765 | XX | XX | XX |  | 24325289 | 5255483-2696 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1765 | XX | XX | XX |  | 24325290 | 5255483-2794 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1765 | XX | XX | XX |  | 24325291 | 5255483-3353 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1757 | XX | XX | XX |  | 24325296 | 5254792-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1757 | XX | XX | XX |  | 24325297 | 5254792-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1060 | XX | XX | XX |  | 24325299 | 5255258-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1060 | XX | XX | XX |  | 24325300 | 5255258-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1511 | XX | XX | XX |  | 24325301 | 5255458-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 1511 | XX | XX | XX |  | 24325302 | 5255458-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $200,520.51 is underdisclosed from calculated Finance Charge of $202,251.74 in the amount of $1,731.23. | Unable to determine under disclosure, due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1648 | XX | XX | XX |  | 24325337 | 5254967-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | D |  |  | No |
| 1648 | XX | XX | XX |  | 24325339 | 5254967-6576 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | OH | Primary | Purchase | D |  |  | No |
| 1783 | XX | XX | XX |  | 24325344 | 5253908-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1783 | XX | XX | XX |  | 24325345 | 5253908-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1783 | XX | XX | XX |  | 24325346 | 5253908-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1783 | XX | XX | XX |  | 24325347 | 5253908-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1783 | XX | XX | XX |  | 24325348 | 5253908-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1783 | XX | XX | XX |  | 24325351 | 5253908-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1383 | XX | XX | XX |  | 24325355 | 5255134-613 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1383 | XX | XX | XX |  | 24325356 | 5255134-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1383 | XX | XX | XX |  | 24325357 | 5255134-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1383 | XX | XX | XX |  | 24325358 | 5255134-3953 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1701 | XX | XX | XX |  | 24325359 | 5254251-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1701 | XX | XX | XX |  | 24325360 | 5254251-2666 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1613 | XX | XX | XX |  | 24325373 | 5254889-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1613 | XX | XX | XX |  | 24325374 | 5254889-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1613 | XX | XX | XX |  | 24325375 | 5254889-22137 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1068 | XX | XX | XX |  | 24325393 | 5255361-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $564,135.97 is underdisclosed from calculated Finance Charge of $564,226.13 in the amount of $90.16. | Unable to verify the reason for the under disclosure due to missing itemization. |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1068 | XX | XX | XX |  | 24325394 | 5255361-25500 | 07/26/2021 | Compliance | Compliance | State Compliance | State Defect | Virginia Prepayment Penalty | Virginia Prepayment Penalty: Maximum calculated prepay of $11,220.00 exceeds the state maximum for owner-occupied properties of 2% of the prepaid balance $8,160.00. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1099 | XX | XX | XX |  | 24325384 | 5254998-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | D |  |  | No |
| 1099 | XX | XX | XX |  | 24325385 | 5254998-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NY | Primary | Purchase | D |  |  | No |
| 1099 | XX | XX | XX |  | 24325386 | 5254998-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | D |  |  | No |
| 1099 | XX | XX | XX |  | 24325387 | 5254998-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | D |  |  | No |
| 1099 | XX | XX | XX |  | 24325388 | 5254998-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | D |  |  | No |
| 1099 | XX | XX | XX |  | 24325391 | 5254998-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | D |  |  | No |
| 1476 | XX | XX | XX |  | 24325450 | 5255246-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1476 | XX | XX | XX |  | 24325451 | 5255246-2687 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1476 | XX | XX | XX |  | 24325452 | 5255246-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1170 | XX | XX | XX |  | 24325453 | 5255456-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1170 | XX | XX | XX |  | 24325454 | 5255456-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $432,912.90 is underdisclosed from calculated Finance Charge of $433,203.01 in the amount of $290.11. | TIL itemization did not disclose $250 settlement fee, $10 assignment recording fee, $10 subordination recording fee or $20 courier fee as prepaid finance charge |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1391 | XX | XX | XX |  | 24325460 | 5254114-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1391 | XX | XX | XX |  | 24325461 | 5254114-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1391 | XX | XX | XX |  | 24325462 | 5254114-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1391 | XX | XX | XX |  | 24325463 | 5254114-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1506 | XX | XX | XX |  | 24325464 | 5254264-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1506 | XX | XX | XX |  | 24325465 | 5254264-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1506 | XX | XX | XX |  | 24325466 | 5254264-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1707 | XX | XX | XX |  | 24325468 | 5253997-3934 | 07/06/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 1707 | XX | XX | XX |  | 24325469 | 5253997-25688 | 07/06/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | No Defined Cure B |  |  | No |
| 1707 | XX | XX | XX |  | 24325470 | 5253997-6306 | 07/06/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | No Defined Cure B |  |  | No |
| 1758 | XX | XX | XX |  | 24325487 | 5254748-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1758 | XX | XX | XX |  | 24325488 | 5254748-22137 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1758 | XX | XX | XX |  | 24325489 | 5254748-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1630 | XX | XX | XX |  | 24325583 | 5254092-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Investment | Purchase | B |  |  | No |
| 1283 | XX | XX | XX |  | 24325621 | 5254734-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1827 | XX | XX | XX |  | 24325625 | 5254864-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1827 | XX | XX | XX |  | 24325626 | 5254864-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1374 | XX | XX | XX |  | 24325643 | 5255126-5791 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1374 | XX | XX | XX |  | 24325644 | 5255126-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $309,112.85 is underdisclosed from calculated Finance Charge of $309,177.09 in the amount of $64.24. | TIL Itemization only disclosed origination charges in the amount of $3,003.88 and final HUD reflects<br> $3,067.88. |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1374 | XX | XX | XX |  | 24325645 | 5255126-5010 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1276 | XX | XX | XX |  | 24325647 | 5255462-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1687 | XX | XX | XX |  | 24325649 | 5254946-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $91,499.39 is underdisclosed from calculated Finance Charge of $91,919.04 in the amount of $419.65. | Unable to determine under disclosure, due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1816 | XX | XX | XX |  | 24325650 | 5254957-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1816 | XX | XX | XX |  | 24325651 | 5254957-25686 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1816 | XX | XX | XX |  | 24325652 | 5254957-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1816 | XX | XX | XX |  | 24325653 | 5254957-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1816 | XX | XX | XX |  | 24325654 | 5254957-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1791 | XX | XX | XX |  | 24325655 | 5253885-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1354 | XX | XX | XX |  | 24325660 | 5255461-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1354 | XX | XX | XX |  | 24325661 | 5255461-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1354 | XX | XX | XX |  | 24325662 | 5255461-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | IL | Primary | Purchase | D |  |  | No |
| 1354 | XX | XX | XX |  | 24325663 | 5255461-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1354 | XX | XX | XX |  | 24325664 | 5255461-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1354 | XX | XX | XX |  | 24325665 | 5255461-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1354 | XX | XX | XX |  | 24325666 | 5255461-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1462 | XX | XX | XX |  | 24325669 | 5254862-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1462 | XX | XX | XX |  | 24325670 | 5254862-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1462 | XX | XX | XX |  | 24325671 | 5254862-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1499 | XX | XX | XX |  | 24325680 | 5254460-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1499 | XX | XX | XX |  | 24325682 | 5254460-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1499 | XX | XX | XX |  | 24325684 | 5254460-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1499 | XX | XX | XX |  | 24325685 | 5254460-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | IL | Primary | Purchase | D |  |  | No |
| 1499 | XX | XX | XX |  | 24325686 | 5254460-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1499 | XX | XX | XX |  | 24325687 | 5254460-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1499 | XX | XX | XX |  | 24325688 | 5254460-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1196 | XX | XX | XX |  | 24325698 | 5255251-2706 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1196 | XX | XX | XX |  | 24325699 | 5255251-2773 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1196 | XX | XX | XX |  | 24325700 | 5255251-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1196 | XX | XX | XX |  | 24325701 | 5255251-6514 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1196 | XX | XX | XX |  | 24325702 | 5255251-5437 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1246 | XX | XX | XX |  | 24325703 | 5254463-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1246 | XX | XX | XX |  | 24325704 | 5254463-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1246 | XX | XX | XX |  | 24325705 | 5254463-24983 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1105 | XX | XX | XX |  | 24325750 | 5254564-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1105 | XX | XX | XX |  | 24325751 | 5254564-24490 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1105 | XX | XX | XX |  | 24325752 | 5254564-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1105 | XX | XX | XX |  | 24325753 | 5254564-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1105 | XX | XX | XX |  | 24325755 | 5254564-1891 | 07/20/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1105 | XX | XX | XX |  | 24325756 | 5254564-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1105 | XX | XX | XX |  | 24325757 | 5254564-3953 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1105 | XX | XX | XX |  | 24325759 | 5254564-613 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1599 | XX | XX | XX |  | 24325821 | 5254648-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1599 | XX | XX | XX |  | 24325822 | 5254648-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1756 | XX | XX | XX |  | 24325824 | 5254886-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1756 | XX | XX | XX |  | 24325825 | 5254886-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1756 | XX | XX | XX |  | 24325826 | 5254886-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1589 | XX | XX | XX |  | 24325847 | 5255262-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1589 | XX | XX | XX |  | 24325848 | 5255262-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1361 | XX | XX | XX |  | 24325860 | 5254883-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1185 | XX | XX | XX |  | 24325879 | 5254555-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1497 | XX | XX | XX |  | 24325882 | 5254935-7027 | 07/06/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Investment | Purchase | B |  |  | No |
| 1649 | XX | XX | XX |  | 24325909 | 5255070-6576 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1755 | XX | XX | XX |  | 24325912 | 5255366-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Investment | Purchase | B |  |  | No |
| 1590 | XX | XX | XX |  | 24325937 | 5254487-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1445 | XX | XX | XX |  | 24325946 | 5255214-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 1445 | XX | XX | XX |  | 24325947 | 5255214-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $467,825.61 is underdisclosed from calculated Finance Charge of $467,966.33 in the amount of $140.72. | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1644 | XX | XX | XX |  | 24325976 | 5255148-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1644 | XX | XX | XX |  | 24325977 | 5255148-24983 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1650 | XX | XX | XX |  | 24325989 | 5254268-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Second Home | Purchase | B |  |  | No |
| 1650 | XX | XX | XX |  | 24325990 | 5254268-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Second Home | Purchase | B |  |  | No |
| 1198 | XX | XX | XX |  | 24325993 | 5255108-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1198 | XX | XX | XX |  | 24325994 | 5255108-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1198 | XX | XX | XX |  | 24325995 | 5255108-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1198 | XX | XX | XX |  | 24325996 | 5255108-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1161 | XX | XX | XX |  | 24326017 | 5254827-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1846 | XX | XX | XX |  | 24326016 | 5254132-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1175 | XX | XX | XX |  | 24326021 | 5254587-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1175 | XX | XX | XX |  | 24326022 | 5254587-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 1175 | XX | XX | XX |  | 24326023 | 5254587-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 1488 | XX | XX | XX |  | 24326025 | 5254991-613 | 07/20/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1488 | XX | XX | XX |  | 24326026 | 5254991-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1488 | XX | XX | XX |  | 24326027 | 5254991-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1488 | XX | XX | XX |  | 24326028 | 5254991-3928 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1488 | XX | XX | XX |  | 24326029 | 5254991-22050 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1488 | XX | XX | XX |  | 24326030 | 5254991-7039 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1488 | XX | XX | XX |  | 24326031 | 5254991-3953 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1231 | XX | XX | XX |  | 24326033 | 5254931-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1079 | XX | XX | XX |  | 24326038 | 5254841-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1079 | XX | XX | XX |  | 24326040 | 5254841-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1067 | XX | XX | XX |  | 24326043 | 5254816-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 1753 | XX | XX | XX |  | 24326053 | 5255179-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1753 | XX | XX | XX |  | 24326054 | 5255179-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $59,559.07 is underdisclosed from calculated Finance Charge of $59,889.09 in the amount of $330.02. | Unable to determine the reason for the under disclosure due to the itemization of amount financed prepaid charges and HUD 1 fees match. Appears to be fee related |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1753 | XX | XX | XX |  | 24326055 | 5255179-2666 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1753 | XX | XX | XX |  | 24326056 | 5255179-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1072 | XX | XX | XX |  | 24326067 | 5254608-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Second Home | Purchase | B |  |  | No |
| 1072 | XX | XX | XX |  | 24326068 | 5254608-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Second Home | Purchase | B |  |  | No |
| 1639 | XX | XX | XX |  | 24326076 | 5253999-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1437 | XX | XX | XX |  | 24326108 | 5254538-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1437 | XX | XX | XX |  | 24326109 | 5254538-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1409 | XX | XX | XX |  | 24326111 | 5254937-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1409 | XX | XX | XX |  | 24326112 | 5254937-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1409 | XX | XX | XX |  | 24326113 | 5254937-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1409 | XX | XX | XX |  | 24326114 | 5254937-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1213 | XX | XX | XX |  | 24326117 | 5255096-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1366 | XX | XX | XX |  | 24326118 | 5254344-2685 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1366 | XX | XX | XX |  | 24326119 | 5254344-18362 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1366 | XX | XX | XX |  | 24326120 | 5254344-3716 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not Compliant | Maryland HB1399 - Counseling disclosure not compliant per Maryland HB 1399. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1366 | XX | XX | XX |  | 24326121 | 5254344-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $345,481.78 is underdisclosed from calculated Finance Charge of $345,831.52 in the amount of $349.74. | TIL Itemization did not disclose the $350 title service charge fee as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1366 | XX | XX | XX |  | 24326122 | 5254344-5434 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1366 | XX | XX | XX |  | 24326123 | 5254344-6514 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1366 | XX | XX | XX |  | 24326124 | 5254344-6509 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1582 | XX | XX | XX |  | 24326128 | 5254053-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1582 | XX | XX | XX |  | 24326129 | 5254053-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1582 | XX | XX | XX |  | 24326130 | 5254053-22050 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1582 | XX | XX | XX |  | 24326131 | 5254053-3953 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1582 | XX | XX | XX |  | 24326132 | 5254053-613 | 07/26/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1535 | XX | XX | XX |  | 24326147 | 5254664-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | B |  |  | No |
| 1683 | XX | XX | XX |  | 24326148 | 5253845-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1113 | XX | XX | XX |  | 24326159 | 5254992-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1521 | XX | XX | XX |  | 24326167 | 5254712-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1521 | XX | XX | XX |  | 24326168 | 5254712-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1199 | XX | XX | XX |  | 24326191 | 5254774-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1199 | XX | XX | XX |  | 24326192 | 5254774-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1199 | XX | XX | XX |  | 24326193 | 5254774-2212 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1199 | XX | XX | XX |  | 24326194 | 5254774-2223 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1563 | XX | XX | XX |  | 24326196 | 5254080-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1563 | XX | XX | XX |  | 24326197 | 5254080-22137 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1718 | XX | XX | XX |  | 24326201 | 5254552-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $89,092.33 is underdisclosed from calculated Finance Charge of $89,157.33 in the amount of $65.00. | TIL Itemization did not disclose $50.00 Recording Service Fee or $15.00 Service Charges as Prepaid Finance Charges. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1453 | XX | XX | XX |  | 24326207 | 5255398-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1453 | XX | XX | XX |  | 24326208 | 5255398-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1453 | XX | XX | XX |  | 24326209 | 5255398-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1453 | XX | XX | XX |  | 24326210 | 5255398-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1453 | XX | XX | XX |  | 24326211 | 5255398-18362 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1642 | XX | XX | XX |  | 24326217 | 5254068-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1642 | XX | XX | XX |  | 24326218 | 5254068-1973 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1642 | XX | XX | XX |  | 24326219 | 5254068-1976 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1642 | XX | XX | XX |  | 24326220 | 5254068-6589 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1642 | XX | XX | XX |  | 24326221 | 5254068-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1642 | XX | XX | XX |  | 24326222 | 5254068-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1642 | XX | XX | XX |  | 24326223 | 5254068-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1651 | XX | XX | XX |  | 24326226 | 5254082-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1692 | XX | XX | XX |  | 24326230 | 5254138-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1692 | XX | XX | XX |  | 24326231 | 5254138-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1692 | XX | XX | XX |  | 24326232 | 5254138-2212 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1193 | XX | XX | XX |  | 24326253 | 5254989-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | UTD | Refinance - UTD | D |  |  | No |
| 1193 | XX | XX | XX |  | 24326255 | 5254989-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | UTD | Refinance - UTD | D |  |  | No |
| 1193 | XX | XX | XX |  | 24326256 | 5254989-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | UTD | Refinance - UTD | D |  |  | No |
| 1193 | XX | XX | XX |  | 24326257 | 5254989-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | OH | UTD | Refinance - UTD | D |  |  | No |
| 1193 | XX | XX | XX |  | 24326258 | 5254989-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | UTD | Refinance - UTD | D |  |  | No |
| 1193 | XX | XX | XX |  | 24326259 | 5254989-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | OH | UTD | Refinance - UTD | D |  |  | No |
| 1193 | XX | XX | XX |  | 24326260 | 5254989-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OH | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1193 | XX | XX | XX |  | 24326261 | 5254989-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OH | UTD | Refinance - UTD | D |  |  | No |
| 1193 | XX | XX | XX |  | 24326262 | 5254989-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | UTD | Refinance - UTD | D |  |  | No |
| 1310 | XX | XX | XX |  | 24326271 | 5254057-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 1310 | XX | XX | XX |  | 24326272 | 5254057-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 1310 | XX | XX | XX |  | 24326273 | 5254057-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 1150 | XX | XX | XX |  | 24326275 | 5255191-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1150 | XX | XX | XX |  | 24326276 | 5255191-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1150 | XX | XX | XX |  | 24326277 | 5255191-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1853 | XX | XX | XX |  | 24326278 | 5254857-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/1998 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 1853 | XX | XX | XX |  | 24326279 | 5254857-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 1853 | XX | XX | XX |  | 24326280 | 5254857-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 1853 | XX | XX | XX |  | 24326281 | 5254857-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 1853 | XX | XX | XX |  | 24326283 | 5254857-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TX | UTD | Purchase | D |  |  | No |
| 1853 | XX | XX | XX |  | 24326284 | 5254857-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 1853 | XX | XX | XX |  | 24326285 | 5254857-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 1641 | XX | XX | XX |  | 24326302 | 5254005-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $114,633.18 is underdisclosed from calculated Finance Charge of $114,981.31 in the amount of $348.13. | Itemization of Amount Financed does not include the $400 Escrow fee in the Prepaid Finance Charges. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1729 | XX | XX | XX |  | 24326305 | 5253935-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 1729 | XX | XX | XX |  | 24326306 | 5253935-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 1729 | XX | XX | XX |  | 24326307 | 5253935-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 1739 | XX | XX | XX |  | 24326316 | 5254569-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1739 | XX | XX | XX |  | 24326317 | 5254569-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1739 | XX | XX | XX |  | 24326318 | 5254569-2666 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1702 | XX | XX | XX |  | 24326328 | 5254427-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/1999 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - UTD | D |  |  | No |
| 1702 | XX | XX | XX |  | 24326329 | 5254427-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MI | Primary | Refinance - UTD | D |  |  | No |
| 1702 | XX | XX | XX |  | 24326330 | 5254427-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - UTD | D |  |  | No |
| 1702 | XX | XX | XX |  | 24326331 | 5254427-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1702 | XX | XX | XX |  | 24326332 | 5254427-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - UTD | D |  |  | No |
| 1702 | XX | XX | XX |  | 24326333 | 5254427-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - UTD | D |  |  | No |
| 1702 | XX | XX | XX |  | 24326335 | 5254427-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - UTD | D |  |  | No |
| 1460 | XX | XX | XX |  | 24326360 | 5255153-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1460 | XX | XX | XX |  | 24326361 | 5255153-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1837 | XX | XX | XX |  | 24326380 | 5253929-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | D |  |  | No |
| 1837 | XX | XX | XX |  | 24326381 | 5253929-6576 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | AZ | Primary | Refinance - Rate/Term | D |  |  | No |
| 1837 | XX | XX | XX |  | 24326382 | 5253929-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | D |  |  | No |
| 1837 | XX | XX | XX |  | 24326383 | 5253929-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1837 | XX | XX | XX |  | 24326384 | 5253929-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | D |  |  | No |
| 1628 | XX | XX | XX |  | 24326404 | 5254566-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | D |  |  | No |
| 1628 | XX | XX | XX |  | 24326405 | 5254566-6577 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NC | Primary | Refinance - Rate/Term | D |  |  | No |
| 1628 | XX | XX | XX |  | 24326406 | 5254566-2666 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1531 | XX | XX | XX |  | 24326408 | 5254713-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1296 | XX | XX | XX |  | 24326418 | 5254010-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1401 | XX | XX | XX |  | 24326422 | 5254451-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | B |  |  | No |
| 1401 | XX | XX | XX |  | 24326423 | 5254451-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | B |  |  | No |
| 1490 | XX | XX | XX |  | 24326420 | 5254179-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1312 | XX | XX | XX |  | 24326425 | 5255412-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 1312 | XX | XX | XX |  | 24326426 | 5255412-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 1109 | XX | XX | XX |  | 24326442 | 5254137-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 1618 | XX | XX | XX |  | 24326450 | 5254133-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1618 | XX | XX | XX |  | 24326451 | 5254133-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1618 | XX | XX | XX |  | 24326452 | 5254133-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1618 | XX | XX | XX |  | 24326453 | 5254133-28240 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1440 | XX | XX | XX |  | 24326457 | 5255263-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1440 | XX | XX | XX |  | 24326459 | 5255263-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1440 | XX | XX | XX |  | 24326460 | 5255263-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1440 | XX | XX | XX |  | 24326461 | 5255263-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1153 | XX | XX | XX |  | 24326462 | 5255331-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1153 | XX | XX | XX |  | 24326463 | 5255331-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1572 | XX | XX | XX |  | 24326468 | 5254119-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | D |  |  | No |
| 1572 | XX | XX | XX |  | 24326469 | 5254119-6577 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | AL | Primary | Refinance - Rate/Term | D |  |  | No |
| 1572 | XX | XX | XX |  | 24326470 | 5254119-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1572 | XX | XX | XX |  | 24326472 | 5254119-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | D |  |  | No |
| 1403 | XX | XX | XX |  | 24326476 | 5254160-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1403 | XX | XX | XX |  | 24326477 | 5254160-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1403 | XX | XX | XX |  | 24326478 | 5254160-2713 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1403 | XX | XX | XX |  | 24326479 | 5254160-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1403 | XX | XX | XX |  | 24326480 | 5254160-3072 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Interest Rate Inaccurate | Truth in Lending Act (MDIA 2011): Interest rate on the Final TIL does not match interest rate for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1327 | XX | XX | XX |  | 24326503 | 5254647-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1327 | XX | XX | XX |  | 24326504 | 5254647-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1327 | XX | XX | XX |  | 24326505 | 5254647-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1172 | XX | XX | XX |  | 24326508 | 5255247-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Investment | Refinance - Rate/Term | B |  |  | No |
| 1221 | XX | XX | XX |  | 24326510 | 5255312-28240 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1495 | XX | XX | XX |  | 24326513 | 5254177-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1495 | XX | XX | XX |  | 24326514 | 5254177-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1495 | XX | XX | XX |  | 24326515 | 5254177-5428 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1495 | XX | XX | XX |  | 24326516 | 5254177-5430 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1495 | XX | XX | XX |  | 24326517 | 5254177-5431 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1495 | XX | XX | XX |  | 24326518 | 5254177-5432 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1495 | XX | XX | XX |  | 24326519 | 5254177-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1495 | XX | XX | XX |  | 24326520 | 5254177-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1495 | XX | XX | XX |  | 24326521 | 5254177-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1495 | XX | XX | XX |  | 24326522 | 5254177-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1495 | XX | XX | XX |  | 24326523 | 5254177-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1495 | XX | XX | XX |  | 24326524 | 5254177-20735 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1495 | XX | XX | XX |  | 24326525 | 5254177-1992 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1495 | XX | XX | XX |  | 24326526 | 5254177-5670 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Tangible Net Benefit Test | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Unable to determine if mortgage loan provides a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1495 | XX | XX | XX |  | 24326527 | 5254177-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $132,463.00 is underdisclosed from calculated Finance Charge of $133,148.88 in the amount of $685.88. | Under disclosure appears to be payment stream related, due to MI calculation. |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1495 | XX | XX | XX |  | 24326528 | 5254177-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1808 | XX | XX | XX |  | 24326531 | 5254852-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 1808 | XX | XX | XX |  | 24326534 | 5254852-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 1808 | XX | XX | XX |  | 24326535 | 5254852-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/1995 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 1808 | XX | XX | XX |  | 24326536 | 5254852-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TX | Primary | Purchase | D |  |  | No |
| 1808 | XX | XX | XX |  | 24326537 | 5254852-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 1808 | XX | XX | XX |  | 24326538 | 5254852-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 1808 | XX | XX | XX |  | 24326539 | 5254852-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 1076 | XX | XX | XX |  | 24326553 | 5254688-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1076 | XX | XX | XX |  | 24326554 | 5254688-25688 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1076 | XX | XX | XX |  | 24326555 | 5254688-6306 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1302 | XX | XX | XX |  | 24326558 | 5255437-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 1331 | XX | XX | XX |  | 24326560 | 5255313-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1331 | XX | XX | XX |  | 24326561 | 5255313-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $257,283.70 is underdisclosed from calculated Finance Charge of $258,443.67 in the amount of $1,159.97. | Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. Appears to be fee related |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1164 | XX | XX | XX |  | 24326577 | 5254877-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1164 | XX | XX | XX |  | 24326578 | 5254877-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1164 | XX | XX | XX |  | 24326579 | 5254877-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1164 | XX | XX | XX |  | 24326580 | 5254877-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1709 | XX | XX | XX |  | 24326617 | 5255229-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 1709 | XX | XX | XX |  | 24326618 | 5255229-2788 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 1239 | XX | XX | XX |  | 24326655 | 5255400-18362 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Purchase | B |  |  | No |
| 1239 | XX | XX | XX |  | 24326656 | 5255400-3140 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application. | Application is dated 7/XX/2013 and the only evidence this disclosure was provided is dated 7/XX/2013. |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Purchase | B |  |  | No |
| 1183 | XX | XX | XX |  | 24326684 | 5254536-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1183 | XX | XX | XX |  | 24326686 | 5254536-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1183 | XX | XX | XX |  | 24326687 | 5254536-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1183 | XX | XX | XX |  | 24326688 | 5254536-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1183 | XX | XX | XX |  | 24326689 | 5254536-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1565 | XX | XX | XX |  | 24326690 | 5253995-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1565 | XX | XX | XX |  | 24326691 | 5253995-22866 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1767 | XX | XX | XX |  | 24326697 | 5254583-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1767 | XX | XX | XX |  | 24326698 | 5254583-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1767 | XX | XX | XX |  | 24326699 | 5254583-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1767 | XX | XX | XX |  | 24326700 | 5254583-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1767 | XX | XX | XX |  | 24326701 | 5254583-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 1515 | XX | XX | XX |  | 24326707 | 5254824-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1515 | XX | XX | XX |  | 24326708 | 5254824-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1515 | XX | XX | XX |  | 24326709 | 5254824-25688 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 1515 | XX | XX | XX |  | 24326710 | 5254824-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 1598 | XX | XX | XX |  | 24326714 | 5254196-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 1598 | XX | XX | XX |  | 24326715 | 5254196-2685 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 1598 | XX | XX | XX |  | 24326716 | 5254196-3141 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 1450 | XX | XX | XX |  | 24326717 | 5254757-28240 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1887 | XX | XX | XX |  | 24326725 | 5255432-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Second Home | Refinance - Rate/Term | B |  |  | No |
| 1887 | XX | XX | XX |  | 24326727 | 5255432-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Second Home | Refinance - Rate/Term | B |  |  | No |
| 1602 | XX | XX | XX |  | 24326733 | 5254553-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1602 | XX | XX | XX |  | 24326734 | 5254553-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1602 | XX | XX | XX |  | 24326735 | 5254553-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1602 | XX | XX | XX |  | 24326736 | 5254553-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1602 | XX | XX | XX |  | 24326737 | 5254553-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1602 | XX | XX | XX |  | 24326738 | 5254553-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1820 | XX | XX | XX |  | 24326740 | 5253943-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Second Home | Purchase | B |  |  | No |
| 1557 | XX | XX | XX |  | 24326753 | 5254529-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1557 | XX | XX | XX |  | 24326754 | 5254529-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1818 | XX | XX | XX |  | 24326768 | 5255273-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | D |  |  | No |
| 1818 | XX | XX | XX |  | 24326770 | 5255273-6576 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | OH | Primary | Refinance - Rate/Term | D |  |  | No |
| 1818 | XX | XX | XX |  | 24326771 | 5255273-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | D |  |  | No |
| 1818 | XX | XX | XX |  | 24326772 | 5255273-22050 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission |  |  | No |
| 1818 | XX | XX | XX |  | 24326773 | 5255273-7040 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1818 | XX | XX | XX |  | 24326774 | 5255273-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | D |  |  | No |
| 1818 | XX | XX | XX |  | 24326776 | 5255273-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | D |  |  | No |
| 1859 | XX | XX | XX |  | 24326803 | 5254455-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | D |  |  | No |
| 1859 | XX | XX | XX |  | 24326804 | 5254455-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | D |  |  | No |
| 1859 | XX | XX | XX |  | 24326805 | 5254455-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | LA | Primary | Purchase | D |  |  | No |
| 1859 | XX | XX | XX |  | 24326806 | 5254455-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | D |  |  | No |
| 1859 | XX | XX | XX |  | 24326807 | 5254455-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | D |  |  | No |
| 1316 | XX | XX | XX |  | 24326809 | 5254902-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1369 | XX | XX | XX |  | 24326810 | 5254592-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | ME | Primary | Refinance - Rate/Term | B |  |  | No |
| 1369 | XX | XX | XX |  | 24326811 | 5254592-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | ME | Primary | Refinance - Rate/Term | B |  |  | No |
| 1238 | XX | XX | XX |  | 24326823 | 5255087-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1230 | XX | XX | XX |  | 24326827 | 5254438-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 1230 | XX | XX | XX |  | 24326828 | 5254438-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 1230 | XX | XX | XX |  | 24326829 | 5254438-6419 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 9.70300% is underdisclosed from calculated APR of 11.32268% outside of 0.250% tolerance. | Final TIL itemization does not reflect PMI. |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1230 | XX | XX | XX |  | 24326830 | 5254438-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $39,230.49 is underdisclosed from calculated Finance Charge of $43,201.63 in the amount of $3,971.14. | Payment stream under disclosure is due to lender's TIL not reflecting MI. Fee portion of under disclosure is due to TIL itemization not reflecting MI reserves of $91.50 and Courier fee of $25 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1230 | XX | XX | XX |  | 24326831 | 5254438-5010 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 1420 | XX | XX | XX |  | 24326832 | 5254332-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1420 | XX | XX | XX |  | 24326833 | 5254332-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1420 | XX | XX | XX |  | 24326834 | 5254332-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1420 | XX | XX | XX |  | 24326835 | 5254332-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1420 | XX | XX | XX |  | 24326836 | 5254332-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1420 | XX | XX | XX |  | 24326837 | 5254332-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1420 | XX | XX | XX |  | 24326838 | 5254332-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1420 | XX | XX | XX |  | 24326839 | 5254332-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1782 | XX | XX | XX |  | 24326842 | 5254925-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 1714 | XX | XX | XX |  | 24326845 | 5254259-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1714 | XX | XX | XX |  | 24326846 | 5254259-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1752 | XX | XX | XX |  | 24326878 | 5253883-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 1752 | XX | XX | XX |  | 24326880 | 5253883-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 1752 | XX | XX | XX |  | 24326881 | 5253883-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2000 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 1752 | XX | XX | XX |  | 24326882 | 5253883-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TX | Primary | Purchase | D |  |  | No |
| 1752 | XX | XX | XX |  | 24326883 | 5253883-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 1752 | XX | XX | XX |  | 24326884 | 5253883-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 1512 | XX | XX | XX |  | 24326888 | 5254439-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1998 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | UTD - UTD | D |  |  | No |
| 1512 | XX | XX | XX |  | 24326889 | 5254439-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NJ | UTD | UTD - UTD | D |  |  | No |
| 1512 | XX | XX | XX |  | 24326890 | 5254439-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | UTD - UTD | D |  |  | No |
| 1512 | XX | XX | XX |  | 24326891 | 5254439-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1512 | XX | XX | XX |  | 24326892 | 5254439-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | UTD - UTD | D |  |  | No |
| 1512 | XX | XX | XX |  | 24326893 | 5254439-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | UTD - UTD | D |  |  | No |
| 1512 | XX | XX | XX |  | 24326895 | 5254439-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | UTD - UTD | D |  |  | No |
| 1512 | XX | XX | XX |  | 24326896 | 5254439-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | UTD - UTD | D |  |  | No |
| 1385 | XX | XX | XX |  | 24326909 | 5255078-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1543 | XX | XX | XX |  | 24326935 | 5254795-6509 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1543 | XX | XX | XX |  | 24326936 | 5254795-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1543 | XX | XX | XX |  | 24326937 | 5254795-2687 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1543 | XX | XX | XX |  | 24326938 | 5254795-2691 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1543 | XX | XX | XX |  | 24326939 | 5254795-2706 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1543 | XX | XX | XX |  | 24326940 | 5254795-3141 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1543 | XX | XX | XX |  | 24326941 | 5254795-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1543 | XX | XX | XX |  | 24326942 | 5254795-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1543 | XX | XX | XX |  | 24326944 | 5254795-613 | 07/26/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1543 | XX | XX | XX |  | 24326945 | 5254795-6444 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2009 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.76526% or Final Disclosure APR of 5.81800% is in excess of allowable threshold of APOR 4.00% + 1.5%, or 5.50000%. Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1177 | XX | XX | XX |  | 24326946 | 5254048-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1177 | XX | XX | XX |  | 24326947 | 5254048-1973 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1177 | XX | XX | XX |  | 24326948 | 5254048-1976 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1177 | XX | XX | XX |  | 24326949 | 5254048-6589 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1458 | XX | XX | XX |  | 24326988 | 5254939-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 1458 | XX | XX | XX |  | 24326989 | 5254939-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 1611 | XX | XX | XX |  | 24326990 | 5255375-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1611 | XX | XX | XX |  | 24326991 | 5255375-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1611 | XX | XX | XX |  | 24326992 | 5255375-3070 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1593 | XX | XX | XX |  | 24327030 | 5254276-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Investment | Purchase | B |  |  | No |
| 1182 | XX | XX | XX |  | 24327047 | 5255197-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1182 | XX | XX | XX |  | 24327048 | 5255197-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1182 | XX | XX | XX |  | 24327049 | 5255197-28240 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1379 | XX | XX | XX |  | 24327063 | 5255013-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1379 | XX | XX | XX |  | 24327064 | 5255013-24490 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1379 | XX | XX | XX |  | 24327065 | 5255013-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1379 | XX | XX | XX |  | 24327066 | 5255013-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1379 | XX | XX | XX |  | 24327067 | 5255013-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1379 | XX | XX | XX |  | 24327069 | 5255013-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1567 | XX | XX | XX |  | 24327070 | 5254974-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1567 | XX | XX | XX |  | 24327071 | 5254974-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1567 | XX | XX | XX |  | 24327072 | 5254974-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1211 | XX | XX | XX |  | 24327086 | 5254699-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1300 | XX | XX | XX |  | 24327089 | 5255396-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1300 | XX | XX | XX |  | 24327091 | 5255396-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1300 | XX | XX | XX |  | 24327092 | 5255396-5434 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1300 | XX | XX | XX |  | 24327093 | 5255396-6514 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1300 | XX | XX | XX |  | 24327094 | 5255396-5437 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1300 | XX | XX | XX |  | 24327095 | 5255396-6509 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1300 | XX | XX | XX |  | 24327096 | 5255396-28193 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1300 | XX | XX | XX |  | 24327097 | 5255396-2687 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1300 | XX | XX | XX |  | 24327098 | 5255396-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1300 | XX | XX | XX |  | 24327099 | 5255396-18362 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1300 | XX | XX | XX |  | 24327100 | 5255396-3078 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1088 | XX | XX | XX |  | 24327103 | 5255012-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Purchase | B |  |  | No |
| 1088 | XX | XX | XX |  | 24327105 | 5255012-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Purchase | B |  |  | No |
| 1088 | XX | XX | XX |  | 24327106 | 5255012-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Purchase | B |  |  | No |
| 1088 | XX | XX | XX |  | 24327107 | 5255012-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Purchase | B |  |  | No |
| 1114 | XX | XX | XX |  | 24327111 | 5254662-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1248 | XX | XX | XX |  | 24327112 | 5255232-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1248 | XX | XX | XX |  | 24327113 | 5255232-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1248 | XX | XX | XX |  | 24327114 | 5255232-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1248 | XX | XX | XX |  | 24327115 | 5255232-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $488,965.09 is underdisclosed from calculated Finance Charge of $489,114.92 in the amount of $149.83. | TIL Itemization did not disclose correct Prepaid Interest. HUD states $191.80 and Itemization lists $47.95. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1288 | XX | XX | XX |  | 24327132 | 5255122-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1594 | XX | XX | XX |  | 24327133 | 5254494-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Purchase | B |  |  | No |
| 1594 | XX | XX | XX |  | 24327135 | 5254494-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Purchase | B |  |  | No |
| 1594 | XX | XX | XX |  | 24327136 | 5254494-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Purchase | B |  |  | No |
| 1688 | XX | XX | XX |  | 24327147 | 5253902-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1688 | XX | XX | XX |  | 24327148 | 5253902-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1688 | XX | XX | XX |  | 24327149 | 5253902-25688 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 1688 | XX | XX | XX |  | 24327150 | 5253902-6306 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 1540 | XX | XX | XX |  | 24327161 | 5254654-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1540 | XX | XX | XX |  | 24327162 | 5254654-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1469 | XX | XX | XX |  | 24327170 | 5254563-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1469 | XX | XX | XX |  | 24327172 | 5254563-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1469 | XX | XX | XX |  | 24327175 | 5254563-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1469 | XX | XX | XX |  | 24327176 | 5254563-24490 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1469 | XX | XX | XX |  | 24327177 | 5254563-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1469 | XX | XX | XX |  | 24327178 | 5254563-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1469 | XX | XX | XX |  | 24327179 | 5254563-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1523 | XX | XX | XX |  | 24327180 | 5255441-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 1523 | XX | XX | XX |  | 24327181 | 5255441-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 1095 | XX | XX | XX |  | 24327187 | 5254123-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1085 | XX | XX | XX |  | 24327229 | 5255005-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Second Home | Purchase | B |  |  | No |
| 1085 | XX | XX | XX |  | 24327230 | 5255005-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Second Home | Purchase | B |  |  | No |
| 1085 | XX | XX | XX |  | 24327231 | 5255005-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Second Home | Purchase | B |  |  | No |
| 1081 | XX | XX | XX |  | 24327232 | 5255442-611 | 07/26/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 1081 | XX | XX | XX |  | 24327233 | 5255442-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 1081 | XX | XX | XX |  | 24327234 | 5255442-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $438,704.12 is underdisclosed from calculated Finance Charge of $438,951.54 in the amount of $247.42. | TIL itemization did not disclose an Attorneys fee of $212.50, a recording service fee of $25 and a service charge of $50 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1131 | XX | XX | XX |  | 24327236 | 5254631-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 1131 | XX | XX | XX |  | 24327237 | 5254631-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 1097 | XX | XX | XX |  | 24327238 | 5255276-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1345 | XX | XX | XX |  | 24327241 | 5253895-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1345 | XX | XX | XX |  | 24327242 | 5253895-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1240 | XX | XX | XX |  | 24327244 | 5255264-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1240 | XX | XX | XX |  | 24327245 | 5255264-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $152,241.70 is underdisclosed from calculated Finance Charge of $152,321.86 in the amount of $80.16. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1760 | XX | XX | XX |  | 24327255 | 5254919-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1792 | XX | XX | XX |  | 24327256 | 5254059-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1792 | XX | XX | XX |  | 24327259 | 5254059-6578 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1792 | XX | XX | XX |  | 24327260 | 5254059-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1792 | XX | XX | XX |  | 24327261 | 5254059-2666 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1560 | XX | XX | XX |  | 24327264 | 5255042-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1560 | XX | XX | XX |  | 24327265 | 5255042-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1560 | XX | XX | XX |  | 24327266 | 5255042-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1797 | XX | XX | XX |  | 24327278 | 5254941-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1797 | XX | XX | XX |  | 24327279 | 5254941-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1797 | XX | XX | XX |  | 24327281 | 5254941-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1600 | XX | XX | XX |  | 24327282 | 5254128-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1600 | XX | XX | XX |  | 24327283 | 5254128-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1600 | XX | XX | XX |  | 24327284 | 5254128-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1600 | XX | XX | XX |  | 24327285 | 5254128-2647 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1600 | XX | XX | XX |  | 24327286 | 5254128-3953 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1604 | XX | XX | XX |  | 24327289 | 5254134-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | Unable to determine FACTA Credit Score Disclosure was provided due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1604 | XX | XX | XX |  | 24327290 | 5254134-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1604 | XX | XX | XX |  | 24327291 | 5254134-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1732 | XX | XX | XX |  | 24327321 | 5254973-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1732 | XX | XX | XX |  | 24327322 | 5254973-25686 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1732 | XX | XX | XX |  | 24327323 | 5254973-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1732 | XX | XX | XX |  | 24327324 | 5254973-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1315 | XX | XX | XX |  | 24327333 | 5254409-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1764 | XX | XX | XX |  | 24327334 | 5255192-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1336 | XX | XX | XX |  | 24327344 | 5254945-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1711 | XX | XX | XX |  | 24327348 | 5254006-23495 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1711 | XX | XX | XX |  | 24327349 | 5254006-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 1711 | XX | XX | XX |  | 24327351 | 5254006-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1711 | XX | XX | XX |  | 24327352 | 5254006-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $250,381.01 is underdisclosed from calculated Finance Charge of $250,512.75 in the amount of $131.74. | Unable to determine under disclosure, due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1647 | XX | XX | XX |  | 24327353 | 5255021-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1647 | XX | XX | XX |  | 24327354 | 5255021-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1647 | XX | XX | XX |  | 24327355 | 5255021-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1576 | XX | XX | XX |  | 24327356 | 5255171-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 1863 | XX | XX | XX |  | 24327370 | 5254899-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1863 | XX | XX | XX |  | 24327373 | 5254899-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1863 | XX | XX | XX |  | 24327374 | 5254899-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1863 | XX | XX | XX |  | 24327375 | 5254899-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1863 | XX | XX | XX |  | 24327376 | 5254899-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1863 | XX | XX | XX |  | 24327377 | 5254899-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1863 | XX | XX | XX |  | 24327378 | 5254899-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1384 | XX | XX | XX |  | 24327387 | 5254775-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1384 | XX | XX | XX |  | 24327388 | 5254775-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1384 | XX | XX | XX |  | 24327389 | 5254775-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1384 | XX | XX | XX |  | 24327391 | 5254775-1891 | 07/26/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1734 | XX | XX | XX |  | 24327405 | 5254890-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1734 | XX | XX | XX |  | 24327406 | 5254890-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1734 | XX | XX | XX |  | 24327407 | 5254890-22137 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1734 | XX | XX | XX |  | 24327408 | 5254890-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1734 | XX | XX | XX |  | 24327409 | 5254890-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1424 | XX | XX | XX |  | 24327417 | 5255161-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1339 | XX | XX | XX |  | 24327418 | 5254717-1891 | 07/26/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1553 | XX | XX | XX |  | 24327421 | 5255170-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1677 | XX | XX | XX |  | 24327463 | 5254622-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1884 | XX | XX | XX |  | 24327450 | 5255420-611 | 07/26/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1884 | XX | XX | XX |  | 24327451 | 5255420-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1884 | XX | XX | XX |  | 24327452 | 5255420-22050 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1884 | XX | XX | XX |  | 24327453 | 5255420-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $192,705.73 is underdisclosed from calculated Finance Charge of $193,035.74 in the amount of $330.01. | TIL itemization did not disclose an application fee of $275 or a courier fee of $55 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1634 | XX | XX | XX |  | 24327455 | 5254617-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Second Home | UTD - UTD | D |  |  | No |
| 1634 | XX | XX | XX |  | 24327457 | 5254617-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Second Home | UTD - UTD | D |  |  | No |
| 1634 | XX | XX | XX |  | 24327458 | 5254617-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Second Home | UTD - UTD | D |  |  | No |
| 1634 | XX | XX | XX |  | 24327459 | 5254617-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TX | Second Home | UTD - UTD | D |  |  | No |
| 1634 | XX | XX | XX |  | 24327460 | 5254617-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Second Home | UTD - UTD | D |  |  | No |
| 1634 | XX | XX | XX |  | 24327461 | 5254617-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Second Home | UTD - UTD | D |  |  | No |
| 1167 | XX | XX | XX |  | 24327474 | 5254532-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 1167 | XX | XX | XX |  | 24327475 | 5254532-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 1167 | XX | XX | XX |  | 24327476 | 5254532-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 1167 | XX | XX | XX |  | 24327478 | 5254532-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 1167 | XX | XX | XX |  | 24327479 | 5254532-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 1167 | XX | XX | XX |  | 24327480 | 5254532-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 1167 | XX | XX | XX |  | 24327481 | 5254532-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 1167 | XX | XX | XX |  | 24327482 | 5254532-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 1167 | XX | XX | XX |  | 24327483 | 5254532-1973 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 1167 | XX | XX | XX |  | 24327484 | 5254532-1976 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 1167 | XX | XX | XX |  | 24327485 | 5254532-6589 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 1167 | XX | XX | XX |  | 24327486 | 5254532-25686 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | No Defined Cure |  |  | No |
| 1167 | XX | XX | XX |  | 24327487 | 5254532-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | No Defined Cure |  |  | No |
| 1167 | XX | XX | XX |  | 24327488 | 5254532-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1202 | XX | XX | XX |  | 24327498 | 5255439-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - UTD | D |  |  | No |
| 1202 | XX | XX | XX |  | 24327501 | 5255439-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - UTD | D |  |  | No |
| 1202 | XX | XX | XX |  | 24327502 | 5255439-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - UTD | D |  |  | No |
| 1202 | XX | XX | XX |  | 24327503 | 5255439-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | KS | Primary | Refinance - UTD | D |  |  | No |
| 1202 | XX | XX | XX |  | 24327504 | 5255439-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - UTD | D |  |  | No |
| 1202 | XX | XX | XX |  | 24327505 | 5255439-22137 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - UTD | D |  |  | No |
| 1202 | XX | XX | XX |  | 24327506 | 5255439-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1202 | XX | XX | XX |  | 24327507 | 5255439-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - UTD | D |  |  | No |
| 1202 | XX | XX | XX |  | 24327508 | 5255439-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - UTD | D |  |  | No |
| 1171 | XX | XX | XX |  | 24327529 | 5254523-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1171 | XX | XX | XX |  | 24327530 | 5254523-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1570 | XX | XX | XX |  | 24327534 | 5254794-2685 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1570 | XX | XX | XX |  | 24327535 | 5254794-2691 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1570 | XX | XX | XX |  | 24327536 | 5254794-2705 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1570 | XX | XX | XX |  | 24327537 | 5254794-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1703 | XX | XX | XX |  | 24327556 | 5254598-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1703 | XX | XX | XX |  | 24327558 | 5254598-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1703 | XX | XX | XX |  | 24327559 | 5254598-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1703 | XX | XX | XX |  | 24327560 | 5254598-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1703 | XX | XX | XX |  | 24327561 | 5254598-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1703 | XX | XX | XX |  | 24327562 | 5254598-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1703 | XX | XX | XX |  | 24327563 | 5254598-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1507 | XX | XX | XX |  | 24327566 | 5255335-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1507 | XX | XX | XX |  | 24327567 | 5255335-1891 | 07/26/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1507 | XX | XX | XX |  | 24327568 | 5255335-20804 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1101 | XX | XX | XX |  | 24327578 | 5255080-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1101 | XX | XX | XX |  | 24327579 | 5255080-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1101 | XX | XX | XX |  | 24327580 | 5255080-611 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1159 | XX | XX | XX |  | 24327616 | 5255165-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1159 | XX | XX | XX |  | 24327617 | 5255165-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1159 | XX | XX | XX |  | 24327618 | 5255165-25686 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1159 | XX | XX | XX |  | 24327619 | 5255165-6306 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1273 | XX | XX | XX |  | 24327631 | 5254747-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1273 | XX | XX | XX |  | 24327632 | 5254747-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $204,145.12 is underdisclosed from calculated Finance Charge of $204,470.89 in the amount of $325.77. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1465 | XX | XX | XX |  | 24327629 | 5254515-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1776 | XX | XX | XX |  | 24327672 | 5254473-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1776 | XX | XX | XX |  | 24327673 | 5254473-28240 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1776 | XX | XX | XX |  | 24327674 | 5254473-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $312,134.53 is underdisclosed from calculated Finance Charge of $312,224.36 in the amount of $89.83. | The itemization of amount financed did not include the closing fee of $75 and courier fee of $15 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1370 | XX | XX | XX |  | 24327679 | 5255339-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1370 | XX | XX | XX |  | 24327680 | 5255339-2666 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1370 | XX | XX | XX |  | 24327682 | 5255339-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $152,957.81 is underdisclosed from calculated Finance Charge of $153,248.98 in the amount of $291.17. | TIL itemization did not disclose an Underwriting fee of $595 as prepaid finance charge. TIL Itemization did disclose a Document Preparation fee of $340.80 and the Final HUD did not. |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1573 | XX | XX | XX |  | 24327678 | 5254777-7042 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1532 | XX | XX | XX |  | 24327693 | 5254046-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1395 | XX | XX | XX |  | 24327700 | 5255205-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1395 | XX | XX | XX |  | 24327701 | 5255205-3353 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1428 | XX | XX | XX |  | 24327705 | 5254389-4087 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1428 | XX | XX | XX |  | 24327706 | 5254389-25677 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1727 | XX | XX | XX |  | 24327728 | 5254027-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $103,954.05 is underdisclosed from calculated Finance Charge of $104,271.27 in the amount of $317.22. | Unable to determine under disclosure, due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1106 | XX | XX | XX |  | 24327729 | 5254620-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1106 | XX | XX | XX |  | 24327730 | 5254620-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1537 | XX | XX | XX |  | 24327735 | 5254459-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1676 | XX | XX | XX |  | 24327763 | 5254793-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1676 | XX | XX | XX |  | 24327764 | 5254793-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1342 | XX | XX | XX |  | 24327774 | 5254509-25688 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1342 | XX | XX | XX |  | 24327775 | 5254509-6419 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 3.87300% is underdisclosed from calculated APR of 4.24521% outside of 0.250% tolerance. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1342 | XX | XX | XX |  | 24327776 | 5254509-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $70,676.93 is underdisclosed from calculated Finance Charge of $79,314.65 in the amount of $8,637.72. | Rate lock agreement indicates the Index used was 1.369%. The closest Index available in our look-back period is 1.8138%. |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1447 | XX | XX | XX |  | 24327777 | 5255149-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1447 | XX | XX | XX |  | 24327778 | 5255149-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1657 | XX | XX | XX |  | 24327809 | 5254180-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 1657 | XX | XX | XX |  | 24327811 | 5254180-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 1657 | XX | XX | XX |  | 24327812 | 5254180-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 1657 | XX | XX | XX |  | 24327813 | 5254180-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 1657 | XX | XX | XX |  | 24327814 | 5254180-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 1657 | XX | XX | XX |  | 24327815 | 5254180-28193 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 1657 | XX | XX | XX |  | 24327816 | 5254180-2794 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 1657 | XX | XX | XX |  | 24327817 | 5254180-7087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 1657 | XX | XX | XX |  | 24327818 | 5254180-3063 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 1657 | XX | XX | XX |  | 24327819 | 5254180-2688 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 1657 | XX | XX | XX |  | 24327820 | 5254180-3353 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 1657 | XX | XX | XX |  | 24327821 | 5254180-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1657 | XX | XX | XX |  | 24327822 | 5254180-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 1308 | XX | XX | XX |  | 24327832 | 5255377-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1308 | XX | XX | XX |  | 24327833 | 5255377-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1308 | XX | XX | XX |  | 24327834 | 5255377-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $130,040.47 is underdisclosed from calculated Finance Charge of $130,662.07 in the amount of $621.60. | TIL Itemization only disclosed origination charges in the amount of $1115.64 and final HUD reflects $1737.40 |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1308 | XX | XX | XX |  | 24327835 | 5255377-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1704 | XX | XX | XX |  | 24327840 | 5255346-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 1704 | XX | XX | XX |  | 24327841 | 5255346-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 1704 | XX | XX | XX |  | 24327843 | 5255346-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 1704 | XX | XX | XX |  | 24327844 | 5255346-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 1704 | XX | XX | XX |  | 24327845 | 5255346-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 1704 | XX | XX | XX |  | 24327846 | 5255346-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 1704 | XX | XX | XX |  | 24327847 | 5255346-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1704 | XX | XX | XX |  | 24327848 | 5255346-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 1704 | XX | XX | XX |  | 24327849 | 5255346-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 1340 | XX | XX | XX |  | 24327855 | 5254474-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1089 | XX | XX | XX |  | 24327859 | 5254778-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1546 | XX | XX | XX |  | 24327872 | 5254969-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1546 | XX | XX | XX |  | 24327873 | 5254969-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1546 | XX | XX | XX |  | 24327874 | 5254969-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $198,665.53 is underdisclosed from calculated Finance Charge of $199,273.49 in the amount of $607.96. | TIL Itemization did not disclose $525.00 Attorney Fee, $38.00 Courier Fee, $15.00 Wire Fee & $30.00 NOS Fee as prepaid Finance Charges. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1082 | XX | XX | XX |  | 24327878 | 5254754-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1082 | XX | XX | XX |  | 24327879 | 5254754-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1082 | XX | XX | XX |  | 24327880 | 5254754-22137 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1524 | XX | XX | XX |  | 24327881 | 5254169-5434 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1524 | XX | XX | XX |  | 24327882 | 5254169-6509 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1580 | XX | XX | XX |  | 24327900 | 5254948-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 1580 | XX | XX | XX |  | 24327901 | 5254948-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 1735 | XX | XX | XX |  | 24327903 | 5254135-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1735 | XX | XX | XX |  | 24327904 | 5254135-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1148 | XX | XX | XX |  | 24327937 | 5254554-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | UTD - UTD | D |  |  | No |
| 1148 | XX | XX | XX |  | 24327940 | 5254554-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | UTD - UTD | D |  |  | No |
| 1148 | XX | XX | XX |  | 24327941 | 5254554-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | WV | Primary | UTD - UTD | D |  |  | No |
| 1148 | XX | XX | XX |  | 24327942 | 5254554-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | UTD - UTD | D |  |  | No |
| 1148 | XX | XX | XX |  | 24327943 | 5254554-3434 | 07/27/2021 | Compliance | Compliance | State Compliance | State Defect | West Virginia Residential Mortgage Lender, Broker, and Servicer Act - CLTV Greater than 100% | Unable to determine LTV/CLTV due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | UTD - UTD | D |  |  | No |
| 1148 | XX | XX | XX |  | 24327944 | 5254554-29403 | 07/27/2021 | Compliance | Compliance | State Compliance | State Defect | West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | West Virginia Residential Mortgage Lender, Broker and Servicer Act: No evidence in file to support that the borrower was charged the actual amounts for all third party fees. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | UTD - UTD | D |  |  | No |
| 1148 | XX | XX | XX |  | 24327945 | 5254554-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1148 | XX | XX | XX |  | 24327946 | 5254554-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | UTD - UTD | D |  |  | No |
| 1148 | XX | XX | XX |  | 24327947 | 5254554-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | UTD - UTD | D |  |  | No |
| 1759 | XX | XX | XX |  | 24327951 | 5254680-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1759 | XX | XX | XX |  | 24327952 | 5254680-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1386 | XX | XX | XX |  | 24327935 | 5255178-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1773 | XX | XX | XX |  | 24327971 | 5254891-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1773 | XX | XX | XX |  | 24327972 | 5254891-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1773 | XX | XX | XX |  | 24327973 | 5254891-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1773 | XX | XX | XX |  | 24327974 | 5254891-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1773 | XX | XX | XX |  | 24327975 | 5254891-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1773 | XX | XX | XX |  | 24327977 | 5254891-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1607 | XX | XX | XX |  | 24327984 | 5254628-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1607 | XX | XX | XX |  | 24327985 | 5254628-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1607 | XX | XX | XX |  | 24327986 | 5254628-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $294,522.70 is underdisclosed from calculated Finance Charge of $294,558.84 in the amount of $36.14. | TIL Itemization does not reflect verification fee of $16 and reflects courier fee of $50 and audit reflects courier fee of $25.00 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1508 | XX | XX | XX |  | 24328007 | 5254732-613 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1508 | XX | XX | XX |  | 24328008 | 5254732-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1508 | XX | XX | XX |  | 24328009 | 5254732-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $118,581.96 is underdisclosed from calculated Finance Charge of $118,666.77 in the amount of $84.81. | TIL itemization did not disclose a courier fee of $55 or a warehousing fee of $30 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1376 | XX | XX | XX |  | 24328018 | 5255103-2778 | 07/27/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1376 | XX | XX | XX |  | 24328019 | 5255103-26133 | 07/27/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (No Tangible Net Benefit) | South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1640 | XX | XX | XX |  | 24328011 | 5255169-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1640 | XX | XX | XX |  | 24328014 | 5255169-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1640 | XX | XX | XX |  | 24328015 | 5255169-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1640 | XX | XX | XX |  | 24328016 | 5255169-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1640 | XX | XX | XX |  | 24328017 | 5255169-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1592 | XX | XX | XX |  | 24328033 | 5254670-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1722 | XX | XX | XX |  | 24328045 | 5253846-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1722 | XX | XX | XX |  | 24328048 | 5253846-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1722 | XX | XX | XX |  | 24328049 | 5253846-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1722 | XX | XX | XX |  | 24328050 | 5253846-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1722 | XX | XX | XX |  | 24328051 | 5253846-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1360 | XX | XX | XX |  | 24328070 | 5255081-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1813 | XX | XX | XX |  | 24328083 | 5255314-6576 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | WA | Primary | Purchase | D |  |  | No |
| 1813 | XX | XX | XX |  | 24328084 | 5255314-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | D |  |  | No |
| 1813 | XX | XX | XX |  | 24328085 | 5255314-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | D |  |  | No |
| 1234 | XX | XX | XX |  | 24328096 | 5254507-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1234 | XX | XX | XX |  | 24328097 | 5254507-24490 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1234 | XX | XX | XX |  | 24328098 | 5254507-25686 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1234 | XX | XX | XX |  | 24328099 | 5254507-6302 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1234 | XX | XX | XX |  | 24328100 | 5254507-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1234 | XX | XX | XX |  | 24328101 | 5254507-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1119 | XX | XX | XX |  | 24328128 | 5254768-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1119 | XX | XX | XX |  | 24328129 | 5254768-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1119 | XX | XX | XX |  | 24328130 | 5254768-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1119 | XX | XX | XX |  | 24328131 | 5254768-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1522 | XX | XX | XX |  | 24328146 | 5255113-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1522 | XX | XX | XX |  | 24328147 | 5255113-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1522 | XX | XX | XX |  | 24328148 | 5255113-25688 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1522 | XX | XX | XX |  | 24328149 | 5255113-6306 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1132 | XX | XX | XX |  | 24328158 | 5255235-613 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1132 | XX | XX | XX |  | 24328159 | 5255235-22050 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1132 | XX | XX | XX |  | 24328160 | 5255235-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1132 | XX | XX | XX |  | 24328161 | 5255235-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1552 | XX | XX | XX |  | 24328163 | 5255332-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 1552 | XX | XX | XX |  | 24328164 | 5255332-28240 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 1552 | XX | XX | XX |  | 24328165 | 5255332-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 1156 | XX | XX | XX |  | 24328191 | 5254495-28240 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1156 | XX | XX | XX |  | 24328192 | 5254495-2659 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $256,704.40 is underdisclosed from calculated Finance Charge of $256,777.09 in the amount of $72.69. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1432 | XX | XX | XX |  | 24328195 | 5254449-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1432 | XX | XX | XX |  | 24328196 | 5254449-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1411 | XX | XX | XX |  | 24328203 | 5254574-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1411 | XX | XX | XX |  | 24328204 | 5254574-24490 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1411 | XX | XX | XX |  | 24328205 | 5254574-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1411 | XX | XX | XX |  | 24328206 | 5254574-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1157 | XX | XX | XX |  | 24328216 | 5255466-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1184 | XX | XX | XX |  | 24328223 | 5254735-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1484 | XX | XX | XX |  | 24328224 | 5254334-770 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1484 | XX | XX | XX |  | 24328225 | 5254334-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1484 | XX | XX | XX |  | 24328226 | 5254334-5428 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1484 | XX | XX | XX |  | 24328227 | 5254334-5430 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1484 | XX | XX | XX |  | 24328228 | 5254334-5432 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1484 | XX | XX | XX |  | 24328229 | 5254334-2692 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1484 | XX | XX | XX |  | 24328230 | 5254334-2696 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1484 | XX | XX | XX |  | 24328231 | 5254334-18362 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1484 | XX | XX | XX |  | 24328232 | 5254334-3078 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1484 | XX | XX | XX |  | 24328233 | 5254334-6514 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1484 | XX | XX | XX |  | 24328234 | 5254334-5437 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1484 | XX | XX | XX |  | 24328235 | 5254334-6509 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1586 | XX | XX | XX |  | 24328238 | 5254873-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1586 | XX | XX | XX |  | 24328239 | 5254873-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | AK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1586 | XX | XX | XX |  | 24328240 | 5254873-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1586 | XX | XX | XX |  | 24328241 | 5254873-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AK | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1586 | XX | XX | XX |  | 24328242 | 5254873-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1586 | XX | XX | XX |  | 24328243 | 5254873-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1586 | XX | XX | XX |  | 24328246 | 5254873-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1062 | XX | XX | XX |  | 24328249 | 5254528-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1062 | XX | XX | XX |  | 24328250 | 5254528-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $264,618.28 is underdisclosed from calculated Finance Charge of $264,777.52 in the amount of $159.24. | Unable to determine under disclosure, due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1400 | XX | XX | XX |  | 24328255 | 5254083-611 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1400 | XX | XX | XX |  | 24328256 | 5254083-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1400 | XX | XX | XX |  | 24328257 | 5254083-3928 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1400 | XX | XX | XX |  | 24328258 | 5254083-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1400 | XX | XX | XX |  | 24328259 | 5254083-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1268 | XX | XX | XX |  | 24328268 | 5254994-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $221,034.14 is underdisclosed from calculated Finance Charge of $221,091.36 in the amount of $57.22. | TIL itemization did not disclose a closing protection letter fee of $35 or a courier fee of $30 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1122 | XX | XX | XX |  | 24328275 | 5253848-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | D |  |  | No |
| 1122 | XX | XX | XX |  | 24328278 | 5253848-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | D |  |  | No |
| 1122 | XX | XX | XX |  | 24328279 | 5253848-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | VA | Primary | Purchase | D |  |  | No |
| 1122 | XX | XX | XX |  | 24328280 | 5253848-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | D |  |  | No |
| 1122 | XX | XX | XX |  | 24328281 | 5253848-5334 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | D |  |  | No |
| 1122 | XX | XX | XX |  | 24328282 | 5253848-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | D |  |  | No |
| 1214 | XX | XX | XX |  | 24328283 | 5255345-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1559 | XX | XX | XX |  | 24328287 | 5254447-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1559 | XX | XX | XX |  | 24328288 | 5254447-5010 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1559 | XX | XX | XX |  | 24328289 | 5254447-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1063 | XX | XX | XX |  | 24328290 | 5254575-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1065 | XX | XX | XX |  | 24328318 | 5254614-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1065 | XX | XX | XX |  | 24328319 | 5254614-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1065 | XX | XX | XX |  | 24328320 | 5254614-2211 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1065 | XX | XX | XX |  | 24328321 | 5254614-2212 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1065 | XX | XX | XX |  | 24328322 | 5254614-2214 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1423 | XX | XX | XX |  | 24328316 | 5254596-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1564 | XX | XX | XX |  | 24328327 | 5255460-611 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1564 | XX | XX | XX |  | 24328330 | 5255460-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1564 | XX | XX | XX |  | 24328331 | 5255460-22050 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1564 | XX | XX | XX |  | 24328332 | 5255460-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1595 | XX | XX | XX |  | 24328345 | 5254256-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | UTD - UTD | D |  |  | No |
| 1595 | XX | XX | XX |  | 24328347 | 5254256-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | UTD - UTD | D |  |  | No |
| 1595 | XX | XX | XX |  | 24328348 | 5254256-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | UTD - UTD | D |  |  | No |
| 1595 | XX | XX | XX |  | 24328349 | 5254256-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MI | Primary | UTD - UTD | D |  |  | No |
| 1595 | XX | XX | XX |  | 24328350 | 5254256-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | UTD - UTD | D |  |  | No |
| 1595 | XX | XX | XX |  | 24328351 | 5254256-1973 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | UTD - UTD | D |  |  | No |
| 1595 | XX | XX | XX |  | 24328352 | 5254256-1976 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | UTD - UTD | D |  |  | No |
| 1595 | XX | XX | XX |  | 24328353 | 5254256-6589 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | UTD - UTD | D |  |  | No |
| 1595 | XX | XX | XX |  | 24328354 | 5254256-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1595 | XX | XX | XX |  | 24328355 | 5254256-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | UTD - UTD | D |  |  | No |
| 1595 | XX | XX | XX |  | 24328356 | 5254256-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | UTD - UTD | D |  |  | No |
| 1550 | XX | XX | XX |  | 24328367 | 5255426-6302 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1610 | XX | XX | XX |  | 24328359 | 5254187-2694 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1610 | XX | XX | XX |  | 24328360 | 5254187-2696 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1610 | XX | XX | XX |  | 24328361 | 5254187-7087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1610 | XX | XX | XX |  | 24328362 | 5254187-7039 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1452 | XX | XX | XX |  | 24328363 | 5254921-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1452 | XX | XX | XX |  | 24328364 | 5254921-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1394 | XX | XX | XX |  | 24328357 | 5254548-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1394 | XX | XX | XX |  | 24328358 | 5254548-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1449 | XX | XX | XX |  | 24328393 | 5254900-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1333 | XX | XX | XX |  | 24328376 | 5254122-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1333 | XX | XX | XX |  | 24328377 | 5254122-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1554 | XX | XX | XX |  | 24328392 | 5255105-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1408 | XX | XX | XX |  | 24328406 | 5254228-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 1408 | XX | XX | XX |  | 24328407 | 5254228-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 1144 | XX | XX | XX |  | 24328408 | 5255055-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1144 | XX | XX | XX |  | 24328409 | 5255055-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1144 | XX | XX | XX |  | 24328410 | 5255055-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1144 | XX | XX | XX |  | 24328411 | 5255055-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1144 | XX | XX | XX |  | 24328412 | 5255055-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1144 | XX | XX | XX |  | 24328413 | 5255055-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1324 | XX | XX | XX |  | 24328423 | 5255325-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1094 | XX | XX | XX |  | 24328455 | 5255261-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1094 | XX | XX | XX |  | 24328456 | 5255261-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1094 | XX | XX | XX |  | 24328457 | 5255261-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1094 | XX | XX | XX |  | 24328458 | 5255261-1974 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1094 | XX | XX | XX |  | 24328459 | 5255261-1977 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1094 | XX | XX | XX |  | 24328460 | 5255261-6589 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1378 | XX | XX | XX |  | 24328462 | 5255424-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1378 | XX | XX | XX |  | 24328463 | 5255424-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1123 | XX | XX | XX |  | 24328487 | 5255022-22050 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1123 | XX | XX | XX |  | 24328488 | 5255022-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1835 | XX | XX | XX |  | 24328489 | 5254152-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1835 | XX | XX | XX |  | 24328490 | 5254152-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $60,709.28 is underdisclosed from calculated Finance Charge of $60,934.20 in the amount of $224.92. | TIL itemization did not disclose an application fee of $150 or a closing protection letter fee of $75 as prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1227 | XX | XX | XX |  | 24328481 | 5254836-611 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1227 | XX | XX | XX |  | 24328482 | 5254836-613 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1227 | XX | XX | XX |  | 24328484 | 5254836-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1227 | XX | XX | XX |  | 24328485 | 5254836-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1227 | XX | XX | XX |  | 24328486 | 5254836-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1558 | XX | XX | XX |  | 24328494 | 5255085-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1402 | XX | XX | XX |  | 24328499 | 5255510-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - Rate/Term | B |  |  | No |
| 1402 | XX | XX | XX |  | 24328501 | 5255510-18330 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - Rate/Term | B |  |  | No |
| 1402 | XX | XX | XX |  | 24328502 | 5255510-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - Rate/Term | B |  |  | No |
| 1402 | XX | XX | XX |  | 24328503 | 5255510-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - Rate/Term | B |  |  | No |
| 1402 | XX | XX | XX |  | 24328504 | 5255510-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - Rate/Term | B |  |  | No |
| 1402 | XX | XX | XX |  | 24328505 | 5255510-5681 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Tangible Net Benefit Test | Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - Rate/Term | B |  |  | No |
| 1402 | XX | XX | XX |  | 24328506 | 5255510-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1491 | XX | XX | XX |  | 24328536 | 5255393-5428 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1491 | XX | XX | XX |  | 24328537 | 5255393-2684 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1491 | XX | XX | XX |  | 24328538 | 5255393-7087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1770 | XX | XX | XX |  | 24328556 | 5255231-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 1690 | XX | XX | XX |  | 24328573 | 5253973-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 1690 | XX | XX | XX |  | 24328574 | 5253973-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $64,407.85 is underdisclosed from calculated Finance Charge of $64,782.99 in the amount of $375.14. | Unable to determine the under disclosure due to missing the itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1690 | XX | XX | XX |  | 24328575 | 5253973-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 1263 | XX | XX | XX |  | 24328583 | 5255347-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1263 | XX | XX | XX |  | 24328584 | 5255347-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1603 | XX | XX | XX |  | 24328620 | 5253994-25688 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 1603 | XX | XX | XX |  | 24328621 | 5253994-6306 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 1368 | XX | XX | XX |  | 24328622 | 5254993-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1368 | XX | XX | XX |  | 24328623 | 5254993-1973 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1368 | XX | XX | XX |  | 24328624 | 5254993-1976 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1368 | XX | XX | XX |  | 24328625 | 5254993-6589 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1368 | XX | XX | XX |  | 24328626 | 5254993-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1433 | XX | XX | XX |  | 24328654 | 5254690-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 1433 | XX | XX | XX |  | 24328655 | 5254690-6576 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Purchase | D |  |  | No |
| 1433 | XX | XX | XX |  | 24328656 | 5254690-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 1433 | XX | XX | XX |  | 24328657 | 5254690-25687 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure |  |  | No |
| 1433 | XX | XX | XX |  | 24328658 | 5254690-25688 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure |  |  | No |
| 1433 | XX | XX | XX |  | 24328659 | 5254690-6302 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure |  |  | No |
| 1433 | XX | XX | XX |  | 24328660 | 5254690-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or initialed by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 1433 | XX | XX | XX |  | 24328661 | 5254690-613 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 1351 | XX | XX | XX |  | 24328697 | 5254203-6514 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1351 | XX | XX | XX |  | 24328698 | 5254203-5437 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1351 | XX | XX | XX |  | 24328699 | 5254203-5438 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1351 | XX | XX | XX |  | 24328700 | 5254203-2684 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1351 | XX | XX | XX |  | 24328701 | 5254203-2773 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1351 | XX | XX | XX |  | 24328702 | 5254203-7087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1128 | XX | XX | XX |  | 24328704 | 5254657-613 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1128 | XX | XX | XX |  | 24328705 | 5254657-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1128 | XX | XX | XX |  | 24328706 | 5254657-22050 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1128 | XX | XX | XX |  | 24328707 | 5254657-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1446 | XX | XX | XX |  | 24328709 | 5254599-6576 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1446 | XX | XX | XX |  | 24328710 | 5254599-7042 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1724 | XX | XX | XX |  | 24328730 | 5254241-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1724 | XX | XX | XX |  | 24328731 | 5254241-28240 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1724 | XX | XX | XX |  | 24328732 | 5254241-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $331,184.66 is underdisclosed from calculated Finance Charge of $331,686.85 in the amount of $502.19. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1661 | XX | XX | XX |  | 24328746 | 5255035-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 1661 | XX | XX | XX |  | 24328747 | 5255035-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 1661 | XX | XX | XX |  | 24328748 | 5255035-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 1137 | XX | XX | XX |  | 24328755 | 5254024-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1137 | XX | XX | XX |  | 24328756 | 5254024-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1275 | XX | XX | XX |  | 24328758 | 5254697-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1275 | XX | XX | XX |  | 24328759 | 5254697-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1275 | XX | XX | XX |  | 24328760 | 5254697-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1275 | XX | XX | XX |  | 24328761 | 5254697-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1817 | XX | XX | XX |  | 24328774 | 5254679-5445 | 08/12/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1817 | XX | XX | XX |  | 24328775 | 5254679-4087 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1249 | XX | XX | XX |  | 24328771 | 5254595-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 1249 | XX | XX | XX |  | 24328772 | 5254595-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 1249 | XX | XX | XX |  | 24328773 | 5254595-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $95,463.87 is underdisclosed from calculated Finance Charge of $96,493.25 in the amount of $1,029.38. | Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. There is a Seller credit on page one of HUD for $3950 which is not itemized therefore excluded. |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1579 | XX | XX | XX |  | 24328815 | 5255040-1891 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1293 | XX | XX | XX |  | 24328833 | 5255480-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1293 | XX | XX | XX |  | 24328834 | 5255480-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1243 | XX | XX | XX |  | 24328866 | 5255065-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | B |  |  | No |
| 1243 | XX | XX | XX |  | 24328867 | 5255065-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | B |  |  | No |
| 1243 | XX | XX | XX |  | 24328868 | 5255065-6302 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | No Defined Cure B |  |  | No |
| 1243 | XX | XX | XX |  | 24328869 | 5255065-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | B |  |  | No |
| 1243 | XX | XX | XX |  | 24328870 | 5255065-611 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | B |  |  | No |
| 1179 | XX | XX | XX |  | 24328871 | 5254643-3934 | 08/12/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1179 | XX | XX | XX |  | 24328872 | 5254643-7027 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1179 | XX | XX | XX |  | 24328873 | 5254643-2210 | 08/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1179 | XX | XX | XX |  | 24328874 | 5254643-2214 | 08/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1179 | XX | XX | XX |  | 24328875 | 5254643-5660 | 08/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio CSPA Tangible Net Benefit Test | Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1466 | XX | XX | XX |  | 24328909 | 5254454-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Purchase | D |  |  | No |
| 1466 | XX | XX | XX |  | 24328910 | 5254454-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NY | UTD | Purchase | D |  |  | No |
| 1466 | XX | XX | XX |  | 24328911 | 5254454-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Purchase | D |  |  | No |
| 1466 | XX | XX | XX |  | 24328912 | 5254454-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Purchase | D |  |  | No |
| 1466 | XX | XX | XX |  | 24328913 | 5254454-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Purchase | D |  |  | No |
| 1466 | XX | XX | XX |  | 24328916 | 5254454-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Purchase | D |  |  | No |
| 1466 | XX | XX | XX |  | 24328917 | 5254454-18330 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Purchase | D |  |  | No |
| 1466 | XX | XX | XX |  | 24328918 | 5254454-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Purchase | D |  |  | No |
| 1393 | XX | XX | XX |  | 24328921 | 5255476-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - UTD | D |  |  | No |
| 1393 | XX | XX | XX |  | 24328923 | 5255476-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - UTD | D |  |  | No |
| 1393 | XX | XX | XX |  | 24328924 | 5255476-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - UTD | D |  |  | No |
| 1393 | XX | XX | XX |  | 24328925 | 5255476-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - UTD | D |  |  | No |
| 1393 | XX | XX | XX |  | 24328926 | 5255476-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | Primary | Refinance - UTD | D |  |  | No |
| 1393 | XX | XX | XX |  | 24328927 | 5255476-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - UTD | D |  |  | No |
| 1393 | XX | XX | XX |  | 24328928 | 5255476-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - UTD | D |  |  | No |
| 1393 | XX | XX | XX |  | 24328929 | 5255476-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1500 | XX | XX | XX |  | 24328934 | 5254724-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1500 | XX | XX | XX |  | 24328935 | 5254724-2666 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2001, prior to three (3) business days from transaction date of 08/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1700 | XX | XX | XX |  | 24328942 | 5254073-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Purchase | B |  |  | No |
| 1218 | XX | XX | XX |  | 24328999 | 5254506-3934 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 1218 | XX | XX | XX |  | 24329001 | 5254506-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 1218 | XX | XX | XX |  | 24329002 | 5254506-20780 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 09/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 1218 | XX | XX | XX |  | 24329003 | 5254506-6579 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | GA | Primary | Purchase | D |  |  | No |
| 1218 | XX | XX | XX |  | 24329004 | 5254506-7028 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 1218 | XX | XX | XX |  | 24329005 | 5254506-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 1568 | XX | XX | XX |  | 24329008 | 5254321-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | UTD - UTD | D |  |  | No |
| 1568 | XX | XX | XX |  | 24329011 | 5254321-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | UTD - UTD | D |  |  | No |
| 1568 | XX | XX | XX |  | 24329012 | 5254321-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | UTD - UTD | D |  |  | No |
| 1568 | XX | XX | XX |  | 24329013 | 5254321-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2012 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | UTD - UTD | D |  |  | No |
| 1568 | XX | XX | XX |  | 24329014 | 5254321-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | PA | Primary | UTD - UTD | D |  |  | No |
| 1568 | XX | XX | XX |  | 24329015 | 5254321-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | UTD - UTD | D |  |  | No |
| 1568 | XX | XX | XX |  | 24329016 | 5254321-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | UTD - UTD | D |  |  | No |
| 1568 | XX | XX | XX |  | 24329017 | 5254321-5334 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | UTD - UTD | D |  |  | No |
| 1568 | XX | XX | XX |  | 24329018 | 5254321-28193 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | UTD - UTD | D |  |  | No |
| 1568 | XX | XX | XX |  | 24329019 | 5254321-3063 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | UTD - UTD | D |  |  | No |
| 1568 | XX | XX | XX |  | 24329020 | 5254321-2688 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | UTD - UTD | D |  |  | No |
| 1568 | XX | XX | XX |  | 24329021 | 5254321-3353 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | UTD - UTD | D |  |  | No |
| 1568 | XX | XX | XX |  | 24329022 | 5254321-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1568 | XX | XX | XX |  | 24329023 | 5254321-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | UTD - UTD | D |  |  | No |
| 1267 | XX | XX | XX |  | 24329024 | 5254578-4087 | 08/02/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1201 | XX | XX | XX |  | 24329026 | 5254956-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1139 | XX | XX | XX |  | 24329030 | 5254477-4967 | 12/15/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1139 | XX | XX | XX |  | 24329032 | 5254477-3934 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1139 | XX | XX | XX |  | 24329033 | 5254477-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1139 | XX | XX | XX |  | 24329034 | 5254477-24490 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1139 | XX | XX | XX |  | 24329035 | 5254477-25686 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1139 | XX | XX | XX |  | 24329036 | 5254477-6302 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1139 | XX | XX | XX |  | 24329037 | 5254477-7037 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1139 | XX | XX | XX |  | 24329038 | 5254477-3494 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1668 | XX | XX | XX |  | 24329040 | 5254853-2658 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 9.55300% is underdisclosed from calculated APR of 9.99744% outside of 0.125% tolerance. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1668 | XX | XX | XX |  | 24329041 | 5254853-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $111,608.96 is underdisclosed from calculated Finance Charge of $113,124.40 in the amount of $1,515.44. | The Lender's TIL reflects MI dropping off after 117 months, however, the audited TIL indicates MI should drop off after 170 months. |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1777 | XX | XX | XX |  | 24329061 | 5253232-4967 | 08/03/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | UTD - UTD | D |  |  | No |
| 1777 | XX | XX | XX |  | 24329063 | 5253232-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | UTD - UTD | D |  |  | No |
| 1777 | XX | XX | XX |  | 24329064 | 5253232-18330 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | UTD - UTD | D |  |  | No |
| 1777 | XX | XX | XX |  | 24329065 | 5253232-20780 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | UTD - UTD | D |  |  | No |
| 1777 | XX | XX | XX |  | 24329066 | 5253232-6579 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | OK | UTD | UTD - UTD | D |  |  | No |
| 1777 | XX | XX | XX |  | 24329067 | 5253232-7028 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | UTD - UTD | D |  |  | No |
| 1777 | XX | XX | XX |  | 24329068 | 5253232-23038 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | UTD - UTD | D |  |  | No |
| 1777 | XX | XX | XX |  | 24329069 | 5253232-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1777 | XX | XX | XX |  | 24329070 | 5253232-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | UTD - UTD | D |  |  | No |
| 1840 | XX | XX | XX |  | 24329082 | 5253236-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1840 | XX | XX | XX |  | 24329083 | 5253236-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1840 | XX | XX | XX |  | 24329084 | 5253236-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1840 | XX | XX | XX |  | 24329086 | 5253236-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1873 | XX | XX | XX |  | 24329105 | 5253234-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1436 | XX | XX | XX |  | 24329107 | 5253239-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1436 | XX | XX | XX |  | 24329108 | 5253239-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1850 | XX | XX | XX |  | 24329139 | 5253247-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1850 | XX | XX | XX |  | 24329140 | 5253247-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1850 | XX | XX | XX |  | 24329141 | 5253247-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1850 | XX | XX | XX |  | 24329142 | 5253247-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1431 | XX | XX | XX |  | 24329166 | 5253589-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1723 | XX | XX | XX |  | 24329172 | 5253582-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1723 | XX | XX | XX |  | 24329173 | 5253582-22050 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1849 | XX | XX | XX |  | 24329175 | 5253591-2659 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $162,967.33 is underdisclosed from calculated Finance Charge of $163,024.11 in the amount of $56.78. | TIL itemization did not disclose a flood cert fee of $20 or a wire fee of $25 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1849 | XX | XX | XX |  | 24329176 | 5253591-7039 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1849 | XX | XX | XX |  | 24329177 | 5253591-5010 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1705 | XX | XX | XX |  | 24329185 | 5253244-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 1705 | XX | XX | XX |  | 24329186 | 5253244-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 1705 | XX | XX | XX |  | 24329187 | 5253244-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 1705 | XX | XX | XX |  | 24329188 | 5253244-5705 | 08/03/2021 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 3 C | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 1705 | XX | XX | XX |  | 24329189 | 5253244-2659 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $166,807.63 is underdisclosed from calculated Finance Charge of $166,867.50 in the amount of $59.87. | TIL Itemization did not disclose wire fees $20, ,email fees $30, as prepaid charges, however, final HUD reflects such |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | No |
| 1534 | XX | XX | XX |  | 24329231 | 5253260-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 1534 | XX | XX | XX |  | 24329232 | 5253260-5705 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 3 C | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 1740 | XX | XX | XX |  | 24329251 | 5253599-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Investment | Purchase | B |  |  | No |
| 1740 | XX | XX | XX |  | 24329252 | 5253599-28247 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). |  |  |  |  |  |  |  |  | 2 B | XX | MI | Investment | Purchase | B |  |  | No |
| 1517 | XX | XX | XX |  | 24329282 | 5253618-5791 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1517 | XX | XX | XX |  | 24329283 | 5253618-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1831 | XX | XX | XX |  | 24329288 | 5253617-24490 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1609 | XX | XX | XX |  | 24329299 | 5253220-5791 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | B |  |  | No |
| 1609 | XX | XX | XX |  | 24329300 | 5253220-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | B |  |  | No |
| 1747 | XX | XX | XX |  | 24329308 | 5253279-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1124 | XX | XX | XX |  | 24329310 | 5253624-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1883 | XX | XX | XX |  | 24329313 | 5253629-3934 | 08/10/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1883 | XX | XX | XX |  | 24329315 | 5253629-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1883 | XX | XX | XX |  | 24329316 | 5253629-24490 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1883 | XX | XX | XX |  | 24329317 | 5253629-1891 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1883 | XX | XX | XX |  | 24329318 | 5253629-7037 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1883 | XX | XX | XX |  | 24329319 | 5253629-3494 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1309 | XX | XX | XX |  | 24329328 | 5253179-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1309 | XX | XX | XX |  | 24329329 | 5253179-23495 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1749 | XX | XX | XX |  | 24329330 | 5253634-2659 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $107,053.38 is underdisclosed from calculated Finance Charge of $107,163.47 in the amount of $110.09. | Itemization did not disclose the courier fee of$22.22 and wire fee of $30 as prepaid finance charges. Remaining difference is due to PMI payments |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | No |
| 1749 | XX | XX | XX |  | 24329331 | 5253634-6576 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | WA | Primary | Purchase | D |  |  | No |
| 1487 | XX | XX | XX |  | 24329345 | 5253293-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Investment | Refinance - Rate/Term | B |  |  | No |
| 1397 | XX | XX | XX |  | 24329353 | 5253177-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1397 | XX | XX | XX |  | 24329354 | 5253177-25823 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1397 | XX | XX | XX |  | 24329355 | 5253177-25688 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1397 | XX | XX | XX |  | 24329356 | 5253177-6302 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1763 | XX | XX | XX |  | 24329381 | 5253207-6576 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1763 | XX | XX | XX |  | 24329382 | 5253207-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1317 | XX | XX | XX |  | 24329384 | 5253221-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 1129 | XX | XX | XX |  | 24329385 | 5253553-5445 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | B |  |  | No |
| 1349 | XX | XX | XX |  | 24329390 | 5253651-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1358 | XX | XX | XX |  | 24329399 | 5253646-1891 | 08/03/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1358 | XX | XX | XX |  | 24329400 | 5253646-7039 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1708 | XX | XX | XX |  | 24329416 | 5253655-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1708 | XX | XX | XX |  | 24329417 | 5253655-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1708 | XX | XX | XX |  | 24329418 | 5253655-22137 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1259 | XX | XX | XX |  | 24329419 | 5253318-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Investment | Purchase | B |  |  | No |
| 1538 | XX | XX | XX |  | 24329424 | 5253309-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1538 | XX | XX | XX |  | 24329425 | 5253309-28240 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1295 | XX | XX | XX |  | 24329426 | 5253204-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1295 | XX | XX | XX |  | 24329427 | 5253204-25686 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1295 | XX | XX | XX |  | 24329428 | 5253204-6306 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1217 | XX | XX | XX |  | 24329435 | 5253320-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1209 | XX | XX | XX |  | 24329436 | 5253648-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 1149 | XX | XX | XX |  | 24329431 | 5253322-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1149 | XX | XX | XX |  | 24329432 | 5253322-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1149 | XX | XX | XX |  | 24329433 | 5253322-20729 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1149 | XX | XX | XX |  | 24329434 | 5253322-2210 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1673 | XX | XX | XX |  | 24329437 | 5253558-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1673 | XX | XX | XX |  | 24329438 | 5253558-22137 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1305 | XX | XX | XX |  | 24329440 | 5253563-6576 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NJ | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1305 | XX | XX | XX |  | 24329441 | 5253563-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1305 | XX | XX | XX |  | 24329442 | 5253563-24983 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1492 | XX | XX | XX |  | 24329445 | 5253315-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Second Home | Purchase | B |  |  | No |
| 1492 | XX | XX | XX |  | 24329446 | 5253315-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Second Home | Purchase | B |  |  | No |
| 1492 | XX | XX | XX |  | 24329447 | 5253315-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Second Home | Purchase | B |  |  | No |
| 1314 | XX | XX | XX |  | 24329449 | 5253333-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1314 | XX | XX | XX |  | 24329450 | 5253333-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1247 | XX | XX | XX |  | 24329452 | 5253316-5791 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1247 | XX | XX | XX |  | 24329453 | 5253316-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1247 | XX | XX | XX |  | 24329454 | 5253316-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1503 | XX | XX | XX |  | 24329466 | 5253658-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 1237 | XX | XX | XX |  | 24329471 | 5253206-5791 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1237 | XX | XX | XX |  | 24329472 | 5253206-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1388 | XX | XX | XX |  | 24329476 | 5253660-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1549 | XX | XX | XX |  | 24329490 | 5253661-5791 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1549 | XX | XX | XX |  | 24329491 | 5253661-2659 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $172,404.87 is underdisclosed from calculated Finance Charge of $172,470.43 in the amount of $65.56. | TIL itemization did not disclose the subordination fee of $265 as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1680 | XX | XX | XX |  | 24329494 | 5253326-6223 | 08/03/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) | Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | B |  |  | No |
| 1726 | XX | XX | XX |  | 24329499 | 5253342-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1833 | XX | XX | XX |  | 24329504 | 5253348-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1498 | XX | XX | XX |  | 24329508 | 5253542-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1498 | XX | XX | XX |  | 24329509 | 5253542-25688 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1498 | XX | XX | XX |  | 24329510 | 5253542-6302 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1290 | XX | XX | XX |  | 24329506 | 5253561-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 1290 | XX | XX | XX |  | 24329507 | 5253561-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 1174 | XX | XX | XX |  | 24329516 | 5253321-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1174 | XX | XX | XX |  | 24329517 | 5253321-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1174 | XX | XX | XX |  | 24329518 | 5253321-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1232 | XX | XX | XX |  | 24329527 | 5253210-6576 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NV | Primary | Refinance - Rate/Term | D |  |  | No |
| 1232 | XX | XX | XX |  | 24329528 | 5253210-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | D |  |  | No |
| 1457 | XX | XX | XX |  | 24329536 | 5253329-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1457 | XX | XX | XX |  | 24329537 | 5253329-2666 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1078 | XX | XX | XX |  | 24329539 | 5253218-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 1200 | XX | XX | XX |  | 24329545 | 5253672-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1143 | XX | XX | XX |  | 24329550 | 5253683-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $302,603.96 is underdisclosed from calculated Finance Charge of $302,749.53 in the amount of $145.57. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1325 | XX | XX | XX |  | 24329558 | 5253346-5791 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1325 | XX | XX | XX |  | 24329559 | 5253346-1891 | 08/03/2021 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1325 | XX | XX | XX |  | 24329560 | 5253346-20804 | 08/03/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1390 | XX | XX | XX |  | 24329568 | 5253669-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1194 | XX | XX | XX |  | 24329570 | 5253343-3928 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1188 | XX | XX | XX |  | 24329572 | 5253671-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1188 | XX | XX | XX |  | 24329573 | 5253671-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1188 | XX | XX | XX |  | 24329574 | 5253671-7042 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1836 | XX | XX | XX |  | 24329575 | 5253341-3928 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1539 | XX | XX | XX |  | 24329595 | 5253679-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1539 | XX | XX | XX |  | 24329596 | 5253679-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1478 | XX | XX | XX |  | 24329610 | 5253359-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 1832 | XX | XX | XX |  | 24329614 | 5253363-3934 | 08/10/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1571 | XX | XX | XX |  | 24329624 | 5253556-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1571 | XX | XX | XX |  | 24329625 | 5253556-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1571 | XX | XX | XX |  | 24329626 | 5253556-25688 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1571 | XX | XX | XX |  | 24329627 | 5253556-6302 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1643 | XX | XX | XX |  | 24329630 | 5253362-5791 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1643 | XX | XX | XX |  | 24329631 | 5253362-20780 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2009 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1643 | XX | XX | XX |  | 24329632 | 5253362-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1320 | XX | XX | XX |  | 24329636 | 5253705-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1429 | XX | XX | XX |  | 24329637 | 5253368-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1486 | XX | XX | XX |  | 24329646 | 5253369-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1486 | XX | XX | XX |  | 24329647 | 5253369-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1486 | XX | XX | XX |  | 24329648 | 5253369-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1486 | XX | XX | XX |  | 24329649 | 5253369-7039 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1781 | XX | XX | XX |  | 24329658 | 5253360-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1822 | XX | XX | XX |  | 24329659 | 5253700-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1751 | XX | XX | XX |  | 24329664 | 5253367-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1751 | XX | XX | XX |  | 24329665 | 5253367-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1866 | XX | XX | XX |  | 24329676 | 5253388-3353 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1866 | XX | XX | XX |  | 24329677 | 5253388-3934 | 08/10/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1697 | XX | XX | XX |  | 24329678 | 5253400-2499 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) | Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | B |  |  | No |
| 1745 | XX | XX | XX |  | 24329690 | 348100-697-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 1713 | XX | XX | XX |  | 24329691 | 5253386-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1713 | XX | XX | XX |  | 24329692 | 5253386-7039 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1713 | XX | XX | XX |  | 24329694 | 5253386-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1357 | XX | XX | XX |  | 24329702 | 5253387-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1357 | XX | XX | XX |  | 24329703 | 5253387-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1357 | XX | XX | XX |  | 24329704 | 5253387-2778 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1357 | XX | XX | XX |  | 24329705 | 5253387-26133 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (No Tangible Net Benefit) | South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1858 | XX | XX | XX |  | 24329701 | 5253378-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1526 | XX | XX | XX |  | 24329719 | 5253520-6576 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Investment | Refinance - Cash-out - Home Improvement | D |  |  | No |
| 1653 | XX | XX | XX |  | 24329721 | 5253544-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1862 | XX | XX | XX |  | 24329725 | 5253394-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1807 | XX | XX | XX |  | 24329727 | 5253391-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1439 | XX | XX | XX |  | 24329734 | 5253403-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1631 | XX | XX | XX |  | 24329758 | 5253735-3141 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1631 | XX | XX | XX |  | 24329759 | 5253735-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1169 | XX | XX | XX |  | 24329772 | 5253411-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1169 | XX | XX | XX |  | 24329773 | 5253411-4180 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1169 | XX | XX | XX |  | 24329774 | 5253411-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1169 | XX | XX | XX |  | 24329775 | 5253411-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1169 | XX | XX | XX |  | 24329776 | 5253411-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1299 | XX | XX | XX |  | 24329800 | 5253406-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1299 | XX | XX | XX |  | 24329801 | 5253406-20780 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2010 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1299 | XX | XX | XX |  | 24329802 | 5253406-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1299 | XX | XX | XX |  | 24329803 | 5253406-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $124,687.74 is underdisclosed from calculated Finance Charge of $124,787.74 in the amount of $100.00. | TIL Itemization did not disclose $100.00 Subordination Recording Fee as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1299 | XX | XX | XX |  | 24329804 | 5253406-2666 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2010, prior to three (3) business days from transaction date of 02/XX/2010. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1241 | XX | XX | XX |  | 24329824 | 5253745-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1241 | XX | XX | XX |  | 24329825 | 5253745-2666 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2010, prior to three (3) business days from transaction date of 11/XX/2010. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1885 | XX | XX | XX |  | 24329861 | 5253738-2687 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1885 | XX | XX | XX |  | 24329862 | 5253738-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1885 | XX | XX | XX |  | 24329863 | 5253738-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1885 | XX | XX | XX |  | 24329864 | 5253738-3078 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1885 | XX | XX | XX |  | 24329865 | 5253738-2647 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1519 | XX | XX | XX |  | 24329875 | 5253546-7027 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1519 | XX | XX | XX |  | 24329876 | 5253546-2684 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1519 | XX | XX | XX |  | 24329877 | 5253546-2687 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1519 | XX | XX | XX |  | 24329878 | 5253546-18362 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1519 | XX | XX | XX |  | 24329879 | 5253546-3078 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1542 | XX | XX | XX |  | 24329932 | 5253433-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1542 | XX | XX | XX |  | 24329933 | 5253433-5430 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1542 | XX | XX | XX |  | 24329934 | 5253433-2684 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1542 | XX | XX | XX |  | 24329935 | 5253433-2694 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1542 | XX | XX | XX |  | 24329936 | 5253433-2696 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1542 | XX | XX | XX |  | 24329937 | 5253433-2499 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) | Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1830 | XX | XX | XX |  | 24329940 | 5253437-3085 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance With Cure | RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1338 | XX | XX | XX |  | 24329942 | 5253434-6443 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2009 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.76184% or Final Disclosure APR of 5.78900% is in excess of allowable threshold of APOR 4.26% + 1.5%, or 5.76000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1338 | XX | XX | XX |  | 24329943 | 5253434-7039 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1338 | XX | XX | XX |  | 24329944 | 5253434-2702 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1881 | XX | XX | XX |  | 24329949 | 5253438-5428 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1881 | XX | XX | XX |  | 24329950 | 5253438-2685 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1881 | XX | XX | XX |  | 24329951 | 5253438-2705 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1881 | XX | XX | XX |  | 24329952 | 5253438-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $81,534.77 is underdisclosed from calculated Finance Charge of $81,609.76 in the amount of $74.99. | TIL Itemization did not disclose an Appraisal Waiver Fee of $75 as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1332 | XX | XX | XX |  | 24329957 | 5253435-4180 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1332 | XX | XX | XX |  | 24329958 | 5253435-20744 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1805 | XX | XX | XX |  | 24329979 | 5253440-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | B |  |  | No |
| 1805 | XX | XX | XX |  | 24329980 | 5253440-2687 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | B |  |  | No |
| 1805 | XX | XX | XX |  | 24329981 | 5253440-3141 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | B |  |  | No |
| 1805 | XX | XX | XX |  | 24329982 | 5253440-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | B |  |  | No |
| 1805 | XX | XX | XX |  | 24329983 | 5253440-3078 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | B |  |  | No |
| 1805 | XX | XX | XX |  | 24329984 | 5253440-3079 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | B |  |  | No |
| 1805 | XX | XX | XX |  | 24329985 | 5253440-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $82,721.36 is underdisclosed from calculated Finance Charge of $83,033.97 in the amount of $312.61. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1857 | XX | XX | XX |  | 24330013 | 5253441-24490 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1857 | XX | XX | XX |  | 24330014 | 5253441-5428 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1857 | XX | XX | XX |  | 24330015 | 5253441-2684 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1857 | XX | XX | XX |  | 24330016 | 5253441-2694 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1857 | XX | XX | XX |  | 24330017 | 5253441-2696 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1857 | XX | XX | XX |  | 24330018 | 5253441-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1857 | XX | XX | XX |  | 24330019 | 5253441-20804 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1681 | XX | XX | XX |  | 24330022 | 5253761-2687 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1800 | XX | XX | XX |  | 24330023 | 5253767-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1800 | XX | XX | XX |  | 24330024 | 5253767-28193 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1800 | XX | XX | XX |  | 24330025 | 5253767-2687 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1800 | XX | XX | XX |  | 24330026 | 5253767-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1800 | XX | XX | XX |  | 24330027 | 5253767-3078 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1426 | XX | XX | XX |  | 24330028 | 5253762-5791 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1426 | XX | XX | XX |  | 24330029 | 5253762-2691 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1426 | XX | XX | XX |  | 24330030 | 5253762-2692 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1426 | XX | XX | XX |  | 24330031 | 5253762-2694 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1426 | XX | XX | XX |  | 24330032 | 5253762-2696 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1426 | XX | XX | XX |  | 24330033 | 5253762-2706 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1426 | XX | XX | XX |  | 24330034 | 5253762-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1426 | XX | XX | XX |  | 24330035 | 5253762-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1426 | XX | XX | XX |  | 24330036 | 5253762-3078 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1426 | XX | XX | XX |  | 24330037 | 5253762-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $234,180.00 is underdisclosed from calculated Finance Charge of $234,290.14 in the amount of $110.14. | TiL underdisclosure due to subordination recording fee in the amount of $110 not disclosed as prepaid items. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1779 | XX | XX | XX |  | 24330049 | 5253446-2684 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1779 | XX | XX | XX |  | 24330051 | 5253446-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1181 | XX | XX | XX |  | 24330059 | 5253450-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1181 | XX | XX | XX |  | 24330060 | 5253450-2684 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1181 | XX | XX | XX |  | 24330061 | 5253450-2685 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1181 | XX | XX | XX |  | 24330062 | 5253450-3085 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance With Cure | RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1181 | XX | XX | XX |  | 24330063 | 5253450-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1489 | XX | XX | XX |  | 24330064 | 5253756-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1489 | XX | XX | XX |  | 24330065 | 5253756-1859 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1489 | XX | XX | XX |  | 24330066 | 5253756-4180 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1489 | XX | XX | XX |  | 24330067 | 5253756-20745 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | Maryland Ability to Repay Not Verified | Maryland SB270: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1712 | XX | XX | XX |  | 24330113 | 5253757-2210 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1712 | XX | XX | XX |  | 24330114 | 5253757-2214 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1785 | XX | XX | XX |  | 24330150 | 5253766-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | B |  |  | No |
| 1785 | XX | XX | XX |  | 24330151 | 5253766-2700 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) With Cure | RESPA (2010): 0% tolerance violation for 802 fee with evidence of cure provided on Final HUD-1 |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | B |  |  | No |
| 1785 | XX | XX | XX |  | 24330152 | 5253766-1305 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) With Cure | RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1 |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | B |  |  | No |
| 1877 | XX | XX | XX |  | 24330166 | 5253459-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1877 | XX | XX | XX |  | 24330167 | 5253459-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $69,432.26 is underdisclosed from calculated Finance Charge of $69,503.71 in the amount of $71.45. | TIL Itemization disclosed settlement fee of $564 as a prepaid finance charge, but the settlement fee per the final HUD is $400. Prepaid interest pre TIL Itemization is $10.06 and per final HUD is a lender credit of $130.78. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1615 | XX | XX | XX |  | 24330172 | 5253466-3141 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 1615 | XX | XX | XX |  | 24330173 | 5253466-2778 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 1733 | XX | XX | XX |  | 24330175 | 5253464-3141 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | B |  |  | No |
| 1824 | XX | XX | XX |  | 24330174 | 5253550-3141 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1121 | XX | XX | XX |  | 24330176 | 5253467-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1121 | XX | XX | XX |  | 24330177 | 5253467-2687 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1121 | XX | XX | XX |  | 24330178 | 5253467-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1121 | XX | XX | XX |  | 24330179 | 5253467-18362 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1121 | XX | XX | XX |  | 24330180 | 5253467-3078 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1605 | XX | XX | XX |  | 24330189 | 5253551-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1605 | XX | XX | XX |  | 24330190 | 5253551-3141 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1669 | XX | XX | XX |  | 24330183 | 5253773-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1669 | XX | XX | XX |  | 24330184 | 5253773-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1669 | XX | XX | XX |  | 24330185 | 5253773-6514 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1669 | XX | XX | XX |  | 24330186 | 5253773-5437 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1669 | XX | XX | XX |  | 24330187 | 5253773-5438 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1669 | XX | XX | XX |  | 24330188 | 5253773-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $246,636.09 is underdisclosed from calculated Finance Charge of $247,015.86 in the amount of $379.77. | TIL itemization did not disclose the sub escrow fee of $250 as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1737 | XX | XX | XX |  | 24330204 | 5253463-5440 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | No |
| 1737 | XX | XX | XX |  | 24330205 | 5253463-5430 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1737 | XX | XX | XX |  | 24330206 | 5253463-5432 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1737 | XX | XX | XX |  | 24330207 | 5253463-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1737 | XX | XX | XX |  | 24330208 | 5253463-2647 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1737 | XX | XX | XX |  | 24330209 | 5253463-2691 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1737 | XX | XX | XX |  | 24330210 | 5253463-3071 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1737 | XX | XX | XX |  | 24330211 | 5253463-3074 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1636 | XX | XX | XX |  | 24330221 | 5253472-2685 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1636 | XX | XX | XX |  | 24330222 | 5253472-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1636 | XX | XX | XX |  | 24330223 | 5253472-20804 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1821 | XX | XX | XX |  | 24330226 | 5253471-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1821 | XX | XX | XX |  | 24330227 | 5253471-7115 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B |  |  | No |
| 1419 | XX | XX | XX |  | 24330241 | 5253474-4967 | 08/10/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1419 | XX | XX | XX |  | 24330243 | 5253474-25158 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1419 | XX | XX | XX |  | 24330245 | 5253474-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1352 | XX | XX | XX |  | 24330263 | 5253496-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1352 | XX | XX | XX |  | 24330264 | 5253496-5434 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1352 | XX | XX | XX |  | 24330265 | 5253496-6509 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1666 | XX | XX | XX |  | 24330323 | 5253481-2685 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1666 | XX | XX | XX |  | 24330324 | 5253481-2694 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1666 | XX | XX | XX |  | 24330325 | 5253481-2696 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1666 | XX | XX | XX |  | 24330326 | 5253481-2705 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1666 | XX | XX | XX |  | 24330327 | 5253481-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $164,053.91 is underdisclosed from calculated Finance Charge of $164,128.86 in the amount of $74.95. | TIL itemization did not disclose a subordination recording of $75.00 as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1666 | XX | XX | XX |  | 24330329 | 5253481-20804 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1638 | XX | XX | XX |  | 24330315 | 5253486-2659 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $208,457.11 is underdisclosed from calculated Finance Charge of $208,541.75 in the amount of $84.64. | TIL Itemization does not reflect tax fee of $84.71 as a prepaid finance charge |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1140 | XX | XX | XX |  | 24330338 | 5253785-2684 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1140 | XX | XX | XX |  | 24330339 | 5253785-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1778 | XX | XX | XX |  | 24330342 | 5253491-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1778 | XX | XX | XX |  | 24330343 | 5253491-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1778 | XX | XX | XX |  | 24330344 | 5253491-7037 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1810 | XX | XX | XX |  | 24330391 | 5253500-2691 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1810 | XX | XX | XX |  | 24330392 | 5253500-2705 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1810 | XX | XX | XX |  | 24330393 | 5253500-2706 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1803 | XX | XX | XX |  | 24330429 | 5253800-6514 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1803 | XX | XX | XX |  | 24330430 | 5253800-5437 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1632 | XX | XX | XX |  | 24330442 | 5253797-6514 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1632 | XX | XX | XX |  | 24330443 | 5253797-5437 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1632 | XX | XX | XX |  | 24330444 | 5253797-5438 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1528 | XX | XX | XX |  | 24330455 | 5253198-7027 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1528 | XX | XX | XX |  | 24330456 | 5253198-28193 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1528 | XX | XX | XX |  | 24330457 | 5253198-2687 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1528 | XX | XX | XX |  | 24330458 | 5253198-25677 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1528 | XX | XX | XX |  | 24330459 | 5253198-3063 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1528 | XX | XX | XX |  | 24330460 | 5253198-3078 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1528 | XX | XX | XX |  | 24330462 | 5253198-5428 | 08/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1879 | XX | XX | XX |  | 24330472 | 5253510-6514 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1879 | XX | XX | XX |  | 24330473 | 5253510-5437 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1828 | XX | XX | XX |  | 24330482 | 5253393-611 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1828 | XX | XX | XX |  | 24330483 | 5253393-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1828 | XX | XX | XX |  | 24330484 | 5253393-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1828 | XX | XX | XX |  | 24330485 | 5253393-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1828 | XX | XX | XX |  | 24330486 | 5253393-3078 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1828 | XX | XX | XX |  | 24330487 | 5253393-3079 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1828 | XX | XX | XX |  | 24330488 | 5253393-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1828 | XX | XX | XX |  | 24330489 | 5253393-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1828 | XX | XX | XX |  | 24330490 | 5253393-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1815 | XX | XX | XX |  | 24330498 | 5253514-5430 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1815 | XX | XX | XX |  | 24330499 | 5253514-5432 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 1815 | XX | XX | XX |  | 24330500 | 5253514-2694 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1815 | XX | XX | XX |  | 24330501 | 5253514-2696 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1815 | XX | XX | XX |  | 24330502 | 5253514-25677 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1815 | XX | XX | XX |  | 24330503 | 5253514-3063 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1173 | XX | XX | XX |  | 24330514 | 5253413-611 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1173 | XX | XX | XX |  | 24330515 | 5253413-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1173 | XX | XX | XX |  | 24330516 | 5253413-2778 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1173 | XX | XX | XX |  | 24330517 | 5253413-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1173 | XX | XX | XX |  | 24330518 | 5253413-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1413 | XX | XX | XX |  | 24330563 | 5253182-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1413 | XX | XX | XX |  | 24330564 | 5253182-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1413 | XX | XX | XX |  | 24330565 | 5253182-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1652 | XX | XX | XX |  | 24330619 | 5253275-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1652 | XX | XX | XX |  | 24330621 | 5253275-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1652 | XX | XX | XX |  | 24330622 | 5253275-23038 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1652 | XX | XX | XX |  | 24330623 | 5253275-3928 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1662 | XX | XX | XX |  | 24330644 | 5253421-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1662 | XX | XX | XX |  | 24330645 | 5253421-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1662 | XX | XX | XX |  | 24330646 | 5253421-24490 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1662 | XX | XX | XX |  | 24330648 | 5253421-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1662 | XX | XX | XX |  | 24330649 | 5253421-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1584 | XX | XX | XX |  | 24330650 | 5253635-5445 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1865 | XX | XX | XX |  | 24330655 | 5253268-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1865 | XX | XX | XX |  | 24330656 | 5253268-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1865 | XX | XX | XX |  | 24330657 | 5253268-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1865 | XX | XX | XX |  | 24330658 | 5253268-23081 | 08/03/2021 | Compliance | Compliance | Federal Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information) | Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1865 | XX | XX | XX |  | 24330659 | 5253268-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1865 | XX | XX | XX |  | 24330660 | 5253268-3928 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1715 | XX | XX | XX |  | 24330670 | 5253195-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1715 | XX | XX | XX |  | 24330671 | 5253195-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1715 | XX | XX | XX |  | 24330672 | 5253195-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1715 | XX | XX | XX |  | 24330673 | 5253195-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1574 | XX | XX | XX |  | 24330679 | 5253225-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1574 | XX | XX | XX |  | 24330682 | 5253225-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1574 | XX | XX | XX |  | 24330683 | 5253225-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1574 | XX | XX | XX |  | 24330684 | 5253225-25688 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1574 | XX | XX | XX |  | 24330685 | 5253225-6302 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1574 | XX | XX | XX |  | 24330686 | 5253225-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1574 | XX | XX | XX |  | 24330687 | 5253225-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1762 | XX | XX | XX |  | 24330694 | 5253289-613 | 08/03/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1762 | XX | XX | XX |  | 24330695 | 5253289-5445 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1762 | XX | XX | XX |  | 24330696 | 5253289-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1762 | XX | XX | XX |  | 24330697 | 5253289-3953 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1146 | XX | XX | XX |  | 24330716 | 5253310-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1146 | XX | XX | XX |  | 24330717 | 5253310-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1146 | XX | XX | XX |  | 24330718 | 5253310-3953 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1146 | XX | XX | XX |  | 24330719 | 5253310-3928 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1146 | XX | XX | XX |  | 24330720 | 5253310-613 | 08/03/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1269 | XX | XX | XX |  | 24330739 | 5253562-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1269 | XX | XX | XX |  | 24330740 | 5253562-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1269 | XX | XX | XX |  | 24330741 | 5253562-611 | 08/03/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1269 | XX | XX | XX |  | 24330742 | 5253562-3953 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1834 | XX | XX | XX |  | 24330752 | 5253271-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1834 | XX | XX | XX |  | 24330753 | 5253271-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1834 | XX | XX | XX |  | 24330754 | 5253271-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1272 | XX | XX | XX |  | 24330805 | 5253278-5445 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1404 | XX | XX | XX |  | 24330812 | 5253296-5445 | 08/03/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 1404 | XX | XX | XX |  | 24330813 | 5253296-4087 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 1404 | XX | XX | XX |  | 24330814 | 5253296-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 1614 | XX | XX | XX |  | 24330826 | 5253281-20780 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | UTD - UTD | D |  |  | No |
| 1614 | XX | XX | XX |  | 24330827 | 5253281-6579 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | OH | Primary | UTD - UTD | D |  |  | No |
| 1614 | XX | XX | XX |  | 24330828 | 5253281-7028 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | UTD - UTD | D |  |  | No |
| 1614 | XX | XX | XX |  | 24330829 | 5253281-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1614 | XX | XX | XX |  | 24330830 | 5253281-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | UTD - UTD | D |  |  | No |
| 1614 | XX | XX | XX |  | 24330831 | 5253281-4967 | 08/03/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | UTD - UTD | D |  |  | No |
| 1614 | XX | XX | XX |  | 24330834 | 5253281-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | UTD - UTD | D |  |  | No |
| 1841 | XX | XX | XX |  | 24330857 | 5253612-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1841 | XX | XX | XX |  | 24330858 | 5253612-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1841 | XX | XX | XX |  | 24330859 | 5253612-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1841 | XX | XX | XX |  | 24330860 | 5253612-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1814 | XX | XX | XX |  | 24330867 | 5253371-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1814 | XX | XX | XX |  | 24330868 | 5253371-4087 | 08/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1814 | XX | XX | XX |  | 24330869 | 5253371-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1814 | XX | XX | XX |  | 24330870 | 5253371-3494 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1848 | XX | XX | XX |  | 24330882 | 5253372-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | B |  |  | No |
| 1848 | XX | XX | XX |  | 24330883 | 5253372-23038 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | B |  |  | No |
| 1848 | XX | XX | XX |  | 24330884 | 5253372-3494 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | B |  |  | No |
| 1848 | XX | XX | XX |  | 24330885 | 5253372-4967 | 08/10/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | B |  |  | No |
| 1848 | XX | XX | XX |  | 24330887 | 5253372-18330 | 08/10/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | B |  |  | No |
| 1848 | XX | XX | XX |  | 24330888 | 5253372-3934 | 08/10/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | B |  |  | No |
| 1886 | XX | XX | XX |  | 24330980 | 5253264-4967 | 08/10/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1886 | XX | XX | XX |  | 24330982 | 5253264-3934 | 08/10/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1886 | XX | XX | XX |  | 24330983 | 5253264-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1886 | XX | XX | XX |  | 24330984 | 5253264-7037 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1886 | XX | XX | XX |  | 24330985 | 5253264-3494 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1741 | XX | XX | XX |  | 24331016 | 5253249-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1741 | XX | XX | XX |  | 24331017 | 5253249-25677 | 08/03/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1741 | XX | XX | XX |  | 24331018 | 5253249-7039 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1741 | XX | XX | XX |  | 24331019 | 5253249-2647 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1741 | XX | XX | XX |  | 24331020 | 5253249-3953 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1875 | XX | XX | XX |  | 24331112 | 5253571-4967 | 08/03/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OR | UTD | Refinance - UTD | D |  |  | No |
| 1875 | XX | XX | XX |  | 24331114 | 5253571-18330 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | OR | UTD | Refinance - UTD | D |  |  | No |
| 1875 | XX | XX | XX |  | 24331115 | 5253571-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OR | UTD | Refinance - UTD | D |  |  | No |
| 1875 | XX | XX | XX |  | 24331116 | 5253571-20780 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1998 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | OR | UTD | Refinance - UTD | D |  |  | No |
| 1875 | XX | XX | XX |  | 24331117 | 5253571-6579 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | OR | UTD | Refinance - UTD | D |  |  | No |
| 1875 | XX | XX | XX |  | 24331118 | 5253571-7028 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | OR | UTD | Refinance - UTD | D |  |  | No |
| 1875 | XX | XX | XX |  | 24331119 | 5253571-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OR | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1875 | XX | XX | XX |  | 24331120 | 5253571-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OR | UTD | Refinance - UTD | D |  |  | No |
| 1667 | XX | XX | XX |  | 24331147 | 5253185-4967 | 08/03/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1667 | XX | XX | XX |  | 24331149 | 5253185-7027 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1667 | XX | XX | XX |  | 24331150 | 5253185-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1667 | XX | XX | XX |  | 24331153 | 5253185-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1667 | XX | XX | XX |  | 24331154 | 5253185-23038 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1870 | XX | XX | XX |  | 24331169 | 5253173-4967 | 08/03/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 1870 | XX | XX | XX |  | 24331171 | 5253173-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 1870 | XX | XX | XX |  | 24331172 | 5253173-20780 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/1998 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 1870 | XX | XX | XX |  | 24331173 | 5253173-6579 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 1870 | XX | XX | XX |  | 24331174 | 5253173-7028 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 1870 | XX | XX | XX |  | 24331175 | 5253173-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1870 | XX | XX | XX |  | 24331176 | 5253173-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 1742 | XX | XX | XX |  | 24331182 | 5253364-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1706 | XX | XX | XX |  | 24331196 | 5253398-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1706 | XX | XX | XX |  | 24331197 | 5253398-2778 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1706 | XX | XX | XX |  | 24331198 | 5253398-7037 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1706 | XX | XX | XX |  | 24331200 | 5253398-613 | 08/10/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1706 | XX | XX | XX |  | 24331202 | 5253398-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1205 | XX | XX | XX |  | 24331258 | 5254602-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1205 | XX | XX | XX |  | 24331259 | 5254602-4087 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1205 | XX | XX | XX |  | 24331260 | 5254602-25677 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1577 | XX | XX | XX |  | 24331262 | 5253389-5445 | 08/10/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1577 | XX | XX | XX |  | 24331263 | 5253389-4180 | 08/10/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1577 | XX | XX | XX |  | 24331264 | 5253389-20745 | 08/10/2021 | Compliance | Compliance | State Compliance | State Defect | Maryland Ability to Repay Not Verified | Maryland SB270: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1577 | XX | XX | XX |  | 24331265 | 5253389-22050 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1577 | XX | XX | XX |  | 24331266 | 5253389-3953 | 08/10/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1252 | XX | XX | XX |  | 24331276 | 5254850-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | D |  |  | No |
| 1252 | XX | XX | XX |  | 24331278 | 5254850-20780 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1994 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | D |  |  | No |
| 1252 | XX | XX | XX |  | 24331279 | 5254850-6579 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NJ | Primary | Purchase | D |  |  | No |
| 1252 | XX | XX | XX |  | 24331280 | 5254850-7028 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1994 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | D |  |  | No |
| 1252 | XX | XX | XX |  | 24331281 | 5254850-3494 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | D |  |  | No |
| 1252 | XX | XX | XX |  | 24331283 | 5254850-4967 | 03/23/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | D |  |  | No |
| 1786 | XX | XX | XX |  | 24331295 | 5253172-3934 | 12/26/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1786 | XX | XX | XX |  | 24331296 | 5253172-7027 | 12/26/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/1997. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1786 | XX | XX | XX |  | 24331297 | 5253172-7037 | 12/26/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1786 | XX | XX | XX |  | 24331298 | 5253172-3494 | 12/26/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1843 | XX | XX | XX |  | 24331318 | 5253860-3934 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1843 | XX | XX | XX |  | 24331319 | 5253860-4967 | 12/22/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1843 | XX | XX | XX |  | 24331321 | 5253860-7027 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1843 | XX | XX | XX |  | 24331322 | 5253860-3494 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1725 | XX | XX | XX |  | 24331336 | 5254860-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1725 | XX | XX | XX |  | 24331338 | 5254860-3934 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1725 | XX | XX | XX |  | 24331339 | 5254860-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1725 | XX | XX | XX |  | 24331340 | 5254860-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1725 | XX | XX | XX |  | 24331341 | 5254860-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 1847 | XX | XX | XX |  | 24331325 | 5253865-20780 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/1998 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - UTD | D |  |  | No |
| 1847 | XX | XX | XX |  | 24331326 | 5253865-6579 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | VA | UTD | Refinance - UTD | D |  |  | No |
| 1847 | XX | XX | XX |  | 24331327 | 5253865-7028 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - UTD | D |  |  | No |
| 1847 | XX | XX | XX |  | 24331328 | 5253865-4967 | 12/22/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - UTD | D |  |  | No |
| 1847 | XX | XX | XX |  | 24331331 | 5253865-7037 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1847 | XX | XX | XX |  | 24331332 | 5253865-3494 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - UTD | D |  |  | No |
| 1847 | XX | XX | XX |  | 24331333 | 5253865-3934 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - UTD | D |  |  | No |
| 1847 | XX | XX | XX |  | 24331334 | 5253865-18330 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | UTD | Refinance - UTD | D |  |  | No |
| 1096 | XX | XX | XX |  | 24331352 | 5254861-3934 | 03/31/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1096 | XX | XX | XX |  | 24331353 | 5254861-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1187 | XX | XX | XX |  | 24331382 | 5254868-2659 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $203,060.27 is underdisclosed from calculated Finance Charge of $203,351.43 in the amount of $291.16. | TIL Itemization did not disclose the service charge fee of $100, the recording service fee of $26, the settlement fee of $150 and the courier fee of $15 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1187 | XX | XX | XX |  | 24331383 | 5254868-7042 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1844 | XX | XX | XX |  | 24331384 | 5254872-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Investment | Purchase | B |  |  | No |
| 1168 | XX | XX | XX |  | 24331387 | 5254871-3934 | 08/24/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1168 | XX | XX | XX |  | 24331388 | 5254871-7027 | 08/24/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1168 | XX | XX | XX |  | 24331389 | 5254871-3494 | 08/24/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1474 | XX | XX | XX |  | 24331393 | 5254444-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 1474 | XX | XX | XX |  | 24331394 | 5254444-18330 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 1474 | XX | XX | XX |  | 24331395 | 5254444-20780 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 1474 | XX | XX | XX |  | 24331396 | 5254444-6579 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | GA | UTD | Purchase | D |  |  | No |
| 1474 | XX | XX | XX |  | 24331397 | 5254444-7028 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 1474 | XX | XX | XX |  | 24331398 | 5254444-3494 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 1222 | XX | XX | XX |  | 24331404 | 5254908-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 1222 | XX | XX | XX |  | 24331406 | 5254908-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 1222 | XX | XX | XX |  | 24331407 | 5254908-3494 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 1222 | XX | XX | XX |  | 24331408 | 5254908-4967 | 03/16/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 1728 | XX | XX | XX |  | 24331409 | 5254885-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1728 | XX | XX | XX |  | 24331410 | 5254885-25677 | 12/30/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1421 | XX | XX | XX |  | 24331415 | 5254446-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1421 | XX | XX | XX |  | 24331416 | 5254446-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1421 | XX | XX | XX |  | 24331417 | 5254446-3494 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1421 | XX | XX | XX |  | 24331418 | 5254446-4967 | 03/23/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1254 | XX | XX | XX |  | 24331421 | 5254869-611 | 08/02/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1254 | XX | XX | XX |  | 24331422 | 5254869-22050 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1637 | XX | XX | XX |  | 24331430 | 5254884-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1637 | XX | XX | XX |  | 24331431 | 5254884-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1637 | XX | XX | XX |  | 24331432 | 5254884-3494 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1637 | XX | XX | XX |  | 24331433 | 5254884-4967 | 03/16/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1864 | XX | XX | XX |  | 24331438 | 5253940-4967 | 12/30/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1864 | XX | XX | XX |  | 24331440 | 5253940-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1864 | XX | XX | XX |  | 24331441 | 5253940-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1864 | XX | XX | XX |  | 24331442 | 5253940-7037 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1864 | XX | XX | XX |  | 24331443 | 5253940-3494 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1087 | XX | XX | XX |  | 24331447 | 5253942-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1087 | XX | XX | XX |  | 24331448 | 5253942-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1087 | XX | XX | XX |  | 24331449 | 5253942-25686 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1087 | XX | XX | XX |  | 24331450 | 5253942-6302 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1087 | XX | XX | XX |  | 24331451 | 5253942-22050 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1087 | XX | XX | XX |  | 24331452 | 5253942-7040 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1087 | XX | XX | XX |  | 24331453 | 5253942-3494 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 1842 | XX | XX | XX |  | 24331455 | 5254461-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1842 | XX | XX | XX |  | 24331456 | 5254461-7037 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1842 | XX | XX | XX |  | 24331457 | 5254461-3494 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1842 | XX | XX | XX |  | 24331458 | 5254461-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1867 | XX | XX | XX |  | 24331489 | 5253953-6576 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | FL | Primary | Purchase | D |  |  | No |
| 1867 | XX | XX | XX |  | 24331490 | 5253953-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 1867 | XX | XX | XX |  | 24331491 | 5253953-4087 | 12/30/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 1867 | XX | XX | XX |  | 24331492 | 5253953-25677 | 12/30/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 1415 | XX | XX | XX |  | 24331500 | 5254943-611 | 03/16/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1415 | XX | XX | XX |  | 24331501 | 5254943-613 | 03/16/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1819 | XX | XX | XX |  | 24331519 | 5254456-25686 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | No Defined Cure B |  |  | No |
| 1819 | XX | XX | XX |  | 24331520 | 5254456-6302 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | No Defined Cure B |  |  | No |
| 1882 | XX | XX | XX |  | 24331529 | 5254458-20780 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 1882 | XX | XX | XX |  | 24331530 | 5254458-2666 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2003, prior to three (3) business days from transaction date of 08/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1882 | XX | XX | XX |  | 24331531 | 5254458-6576 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 1851 | XX | XX | XX |  | 24331540 | 5253934-2659 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $128,115.93 is underdisclosed from calculated Finance Charge of $128,230.48 in the amount of $114.55. | Finance charges are under disclosed by $114.55 due to the title courier fee of $75 and the recording service fee of $40 not being included as prepaid finance charges per the itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1291 | XX | XX | XX |  | 24331532 | 5254490-6576 | 09/07/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | TN | Primary | Refinance - Rate/Term | D |  |  | No |
| 1291 | XX | XX | XX |  | 24331533 | 5254490-4087 | 09/07/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | D |  |  | No |
| 1291 | XX | XX | XX |  | 24331534 | 5254490-3934 | 09/07/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | D |  |  | No |
| 1291 | XX | XX | XX |  | 24331538 | 5254490-7027 | 09/07/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | D |  |  | No |
| 1291 | XX | XX | XX |  | 24331539 | 5254490-4088 | 09/07/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | D |  |  | No |
| 1496 | XX | XX | XX |  | 24331545 | 5253176-7027 | 11/30/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Rate/Term | B |  |  | No |
| 1496 | XX | XX | XX |  | 24331546 | 5253176-4088 | 11/30/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Rate/Term | B |  |  | No |
| 1158 | XX | XX | XX |  | 24331589 | 5254468-611 | 03/23/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1838 | XX | XX | XX |  | 24331576 | 5254508-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 1838 | XX | XX | XX |  | 24331577 | 5254508-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 1838 | XX | XX | XX |  | 24331578 | 5254508-3494 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 1382 | XX | XX | XX |  | 24331609 | 5254972-6576 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1382 | XX | XX | XX |  | 24331610 | 5254972-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1382 | XX | XX | XX |  | 24331611 | 5254972-25677 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1287 | XX | XX | XX |  | 24331601 | 5254965-3934 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1287 | XX | XX | XX |  | 24331602 | 5254965-7027 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1287 | XX | XX | XX |  | 24331603 | 5254965-7037 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1287 | XX | XX | XX |  | 24331604 | 5254965-3494 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1796 | XX | XX | XX |  | 24331596 | 5254478-25677 | 12/15/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Purchase | B |  |  | No |
| 1796 | XX | XX | XX |  | 24331597 | 5254478-23495 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Purchase | B |  |  | No |
| 1796 | XX | XX | XX |  | 24331598 | 5254478-6302 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Purchase | No Defined Cure B |  |  | No |
| 1796 | XX | XX | XX |  | 24331600 | 5254478-2659 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $202,897.07 is underdisclosed from calculated Finance Charge of $203,016.93 in the amount of $119.86. | The TIL itemization did not disclose a rundown fee of $85 or wire fee of $35 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1468 | XX | XX | XX |  | 24331606 | 5254988-25688 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1468 | XX | XX | XX |  | 24331607 | 5254988-6302 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1670 | XX | XX | XX |  | 24331620 | 5254984-25677 | 12/15/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | B |  |  | No |
| 1670 | XX | XX | XX |  | 24331622 | 5254984-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | B |  |  | No |
| 1670 | XX | XX | XX |  | 24331623 | 5254984-25688 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | No Defined Cure B |  |  | No |
| 1670 | XX | XX | XX |  | 24331624 | 5254984-6306 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | No Defined Cure B |  |  | No |
| 1645 | XX | XX | XX |  | 24331625 | 5254996-25686 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1645 | XX | XX | XX |  | 24331626 | 5254996-6302 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1323 | XX | XX | XX |  | 24331629 | 5254947-3934 | 08/02/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1323 | XX | XX | XX |  | 24331630 | 5254947-7027 | 08/02/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1226 | XX | XX | XX |  | 24331632 | 5254526-3934 | 09/07/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | D |  |  | No |
| 1226 | XX | XX | XX |  | 24331633 | 5254526-20780 | 09/07/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | D |  |  | No |
| 1226 | XX | XX | XX |  | 24331634 | 5254526-6579 | 09/07/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MN | Primary | Purchase | D |  |  | No |
| 1226 | XX | XX | XX |  | 24331635 | 5254526-7028 | 09/07/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | D |  |  | No |
| 1226 | XX | XX | XX |  | 24331636 | 5254526-3494 | 09/07/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | D |  |  | No |
| 1481 | XX | XX | XX |  | 24331643 | 5255008-2659 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $309,237.89 is underdisclosed from calculated Finance Charge of $315,425.73 in the amount of $6,187.84. | Closing instructions indicate the index used at origination was 2.480%. The closest index available within the look-back period is 2.610%. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1730 | XX | XX | XX |  | 24331649 | 5254497-2802 | 01/14/2021 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1730 | XX | XX | XX |  | 24331651 | 5254497-3934 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1730 | XX | XX | XX |  | 24331652 | 5254497-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1730 | XX | XX | XX |  | 24331653 | 5254497-23495 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1730 | XX | XX | XX |  | 24331654 | 5254497-23494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1277 | XX | XX | XX |  | 24331647 | 5254499-6576 | 08/02/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NJ | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1548 | XX | XX | XX |  | 24331660 | 5255031-7027 | 08/02/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 1548 | XX | XX | XX |  | 24331661 | 5255031-4088 | 08/02/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 1548 | XX | XX | XX |  | 24331662 | 5255031-23495 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 1548 | XX | XX | XX |  | 24331663 | 5255031-23494 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 1721 | XX | XX | XX |  | 24331673 | 5254502-22050 | 08/24/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission |  |  | No |
| 1721 | XX | XX | XX |  | 24331674 | 5254502-611 | 08/24/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1721 | XX | XX | XX |  | 24331675 | 5254502-6578 | 08/24/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1311 | XX | XX | XX |  | 24331669 | 5254503-6578 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 1311 | XX | XX | XX |  | 24331670 | 5254503-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $190,860.09 is underdisclosed from calculated Finance Charge of $193,839.95 in the amount of $2,979.86. | Final TIL isn't using the P&I from the note in the calculated figures. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | No |
| 1311 | XX | XX | XX |  | 24331671 | 5254503-2666 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1311 | XX | XX | XX |  | 24331672 | 5254503-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 1112 | XX | XX | XX |  | 24331678 | 5253285-7027 | 01/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1112 | XX | XX | XX |  | 24331679 | 5253285-4088 | 01/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1545 | XX | XX | XX |  | 24331702 | 5255039-5791 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1322 | XX | XX | XX |  | 24331721 | 5254045-5445 | 03/23/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 1322 | XX | XX | XX |  | 24331722 | 5254045-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 1322 | XX | XX | XX |  | 24331724 | 5254045-4967 | 03/23/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 1077 | XX | XX | XX |  | 24331745 | 5255058-7027 | 08/07/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1077 | XX | XX | XX |  | 24331746 | 5255058-6305 | 08/07/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1077 | XX | XX | XX |  | 24331747 | 5255058-6306 | 08/07/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1265 | XX | XX | XX |  | 24331755 | 5255104-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1265 | XX | XX | XX |  | 24331756 | 5255104-25677 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1350 | XX | XX | XX |  | 24331774 | 5255025-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Refinance - Cash-out - Other | B |  |  | No |
| 1710 | XX | XX | XX |  | 24331769 | 5254032-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 1710 | XX | XX | XX |  | 24331770 | 5254032-2659 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $84,124.75 is underdisclosed from calculated Finance Charge of $84,240.66 in the amount of $115.91. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1710 | XX | XX | XX |  | 24331771 | 5254032-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 1710 | XX | XX | XX |  | 24331772 | 5254032-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 1127 | XX | XX | XX |  | 24331789 | 5255092-6302 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1127 | XX | XX | XX |  | 24331790 | 5255092-2666 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1303 | XX | XX | XX |  | 24331785 | 5255094-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1387 | XX | XX | XX |  | 24331791 | 5255131-4967 | 08/31/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1387 | XX | XX | XX |  | 24331793 | 5255131-3934 | 08/31/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1387 | XX | XX | XX |  | 24331794 | 5255131-7027 | 08/31/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1387 | XX | XX | XX |  | 24331795 | 5255131-23038 | 08/31/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1387 | XX | XX | XX |  | 24331796 | 5255131-7037 | 08/31/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1387 | XX | XX | XX |  | 24331797 | 5255131-3494 | 08/31/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1387 | XX | XX | XX |  | 24331798 | 5255131-6301 | 08/31/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 1387 | XX | XX | XX |  | 24331799 | 5255131-6302 | 08/31/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 1236 | XX | XX | XX |  | 24331802 | 5254043-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 1236 | XX | XX | XX |  | 24331804 | 5254043-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 1551 | XX | XX | XX |  | 24331814 | 347539-697-6576 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NJ | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1811 | XX | XX | XX |  | 24331824 | 5254627-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1626 | XX | XX | XX |  | 24331825 | 5254112-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1626 | XX | XX | XX |  | 24331826 | 5254112-25895 | 12/03/2020 | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of 12.50000%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1626 | XX | XX | XX |  | 24331827 | 5254112-25686 | 12/03/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | No Defined Cure B |  |  | No |
| 1626 | XX | XX | XX |  | 24331829 | 5254112-25677 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1459 | XX | XX | XX |  | 24331830 | 5255138-7027 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1459 | XX | XX | XX |  | 24331831 | 5255138-4087 | 12/22/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1459 | XX | XX | XX |  | 24331832 | 5255138-25677 | 12/22/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 1459 | XX | XX | XX |  | 24331833 | 5255138-25686 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1459 | XX | XX | XX |  | 24331834 | 5255138-6302 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1418 | XX | XX | XX |  | 24331847 | 5254561-2802 | 08/17/2018 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1418 | XX | XX | XX |  | 24331848 | 5254561-5791 | 08/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1418 | XX | XX | XX |  | 24331849 | 5254561-7027 | 08/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1719 | XX | XX | XX |  | 24331852 | 5253302-7027 | 01/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1719 | XX | XX | XX |  | 24331853 | 5253302-5791 | 01/03/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1719 | XX | XX | XX |  | 24331854 | 5253302-3928 | 01/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1719 | XX | XX | XX |  | 24331855 | 5253302-4087 | 01/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1569 | XX | XX | XX |  | 24331860 | 5255057-25677 | 12/22/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Second Home | Purchase | B |  |  | No |
| 1427 | XX | XX | XX |  | 24331882 | 5255175-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 1178 | XX | XX | XX |  | 24331877 | 5254669-2659 | 08/31/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $259,268.69 is underdisclosed from calculated Finance Charge of $259,995.50 in the amount of $726.81. | Unable to determine under disclosure, due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1178 | XX | XX | XX |  | 24331878 | 5254669-22866 | 08/31/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1178 | XX | XX | XX |  | 24331879 | 5254669-24490 | 08/31/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1111 | XX | XX | XX |  | 24331889 | 5255511-28247 | 11/05/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 1617 | XX | XX | XX |  | 24331891 | 5254663-7027 | 08/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1347 | XX | XX | XX |  | 24331905 | 5254130-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1780 | XX | XX | XX |  | 24331907 | 5255100-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 1780 | XX | XX | XX |  | 24331908 | 5255100-3934 | 03/31/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 1780 | XX | XX | XX |  | 24331910 | 5255100-7027 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 1780 | XX | XX | XX |  | 24331911 | 5255100-23038 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 1780 | XX | XX | XX |  | 24331912 | 5255100-22064 | 03/31/2020 | Compliance | Compliance | State Compliance | State Late Charge | North Carolina First Lien Late Charge Percent Testing | North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 1780 | XX | XX | XX |  | 24331913 | 5255100-7037 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | No |
| 1780 | XX | XX | XX |  | 24331914 | 5255100-3494 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 1780 | XX | XX | XX |  | 24331916 | 5255100-5705 | 03/31/2020 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 3 C | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 1090 | XX | XX | XX |  | 24331918 | 5254594-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1438 | XX | XX | XX |  | 24331926 | 5255195-7027 | 11/17/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1438 | XX | XX | XX |  | 24331927 | 5255195-3934 | 11/17/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1281 | XX | XX | XX |  | 24331928 | 5255189-5445 | 03/23/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1281 | XX | XX | XX |  | 24331929 | 5255189-3928 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1281 | XX | XX | XX |  | 24331930 | 5255189-4087 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1790 | XX | XX | XX |  | 24331931 | 5255102-4087 | 11/17/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | B |  |  | No |
| 1215 | XX | XX | XX |  | 24331944 | 5255244-7027 | 11/06/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1215 | XX | XX | XX |  | 24331945 | 5255244-4087 | 11/06/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1215 | XX | XX | XX |  | 24331946 | 5255244-25677 | 11/06/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1547 | XX | XX | XX |  | 24331953 | 5254610-25677 | 11/06/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1547 | XX | XX | XX |  | 24331954 | 5254610-3934 | 11/06/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1467 | XX | XX | XX |  | 24331988 | 5255257-6576 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NV | Primary | Refinance - Rate/Term | D |  |  | No |
| 1467 | XX | XX | XX |  | 24331989 | 5255257-25677 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | D |  |  | No |
| 1467 | XX | XX | XX |  | 24331990 | 5255257-6302 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | No Defined Cure |  |  | No |
| 1073 | XX | XX | XX |  | 24331979 | 5255254-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 1073 | XX | XX | XX |  | 24331980 | 5255254-3928 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 1073 | XX | XX | XX |  | 24331981 | 5255254-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 1510 | XX | XX | XX |  | 24332009 | 5255241-2659 | 11/17/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $84,703.05 is underdisclosed from calculated Finance Charge of $84,887.22 in the amount of $184.17. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1561 | XX | XX | XX |  | 24332025 | 5254722-3934 | 12/08/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1561 | XX | XX | XX |  | 24332027 | 5254722-4967 | 12/08/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1561 | XX | XX | XX |  | 24332028 | 5254722-25158 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1561 | XX | XX | XX |  | 24332029 | 5254722-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1561 | XX | XX | XX |  | 24332030 | 5254722-3494 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1561 | XX | XX | XX |  | 24332032 | 5254722-5445 | 12/08/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1675 | XX | XX | XX |  | 24332033 | 5254210-2659 | 11/17/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $214,153.07 is underdisclosed from calculated Finance Charge of $214,260.80 in the amount of $107.73. | TIL Itemization did not disclose the tax service fee of $69, the flood cert. of $8.50 or the courier fee of $30 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1675 | XX | XX | XX |  | 24332034 | 5254210-2778 | 11/17/2020 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1229 | XX | XX | XX |  | 24332038 | 5254736-20780 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1229 | XX | XX | XX |  | 24332039 | 5254736-6579 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | IL | Primary | Purchase | D |  |  | No |
| 1229 | XX | XX | XX |  | 24332040 | 5254736-7028 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1229 | XX | XX | XX |  | 24332041 | 5254736-3494 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1229 | XX | XX | XX |  | 24332042 | 5254736-4967 | 12/15/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1229 | XX | XX | XX |  | 24332044 | 5254736-3934 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | D |  |  | No |
| 1195 | XX | XX | XX |  | 24332047 | 5253336-4088 | 12/11/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1195 | XX | XX | XX |  | 24332048 | 5253336-20779 | 12/11/2018 | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Ability to Repay not Verified) | Nevada Home Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1145 | XX | XX | XX |  | 24332053 | 5253332-4088 | 01/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1120 | XX | XX | XX |  | 24332059 | 5253209-2297 | 12/04/2018 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed. |  |  |  |  |  |  |  |  | 3 C | XX | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 1120 | XX | XX | XX |  | 24332060 | 5253209-3297 | 12/04/2018 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (High Cost Analysis Not In File) | Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. |  |  |  |  |  |  |  |  | 3 A | XX | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 1120 | XX | XX | XX |  | 24332061 | 5253209-2314 | 12/04/2018 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed. |  |  |  |  |  |  |  |  | 3 C | XX | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 1120 | XX | XX | XX |  | 24332062 | 5253209-4088 | 12/04/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 1120 | XX | XX | XX |  | 24332063 | 5253209-2298 | 12/04/2018 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided Timely) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided within three (3) days of application. | RI Application Disclosure provided 12/XX/07 and the initial application was provided 11/XX/07 |  |  |  |  |  |  |  | 3 C | XX | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 1120 | XX | XX | XX |  | 24332064 | 5253209-2315 | 12/04/2018 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided Timely) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided within three (3) business days of application. | RI Application Disclosure provided 12/XX/07 and the initial application was provided 11/XX/07 |  |  |  |  |  |  |  | 3 C | XX | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 1138 | XX | XX | XX |  | 24332065 | 5255152-4088 | 09/20/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1286 | XX | XX | XX |  | 24332069 | 5253340-5445 | 12/04/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1286 | XX | XX | XX |  | 24332070 | 5253340-4088 | 12/04/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1286 | XX | XX | XX |  | 24332071 | 5253340-6305 | 12/04/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1286 | XX | XX | XX |  | 24332072 | 5253340-6302 | 12/04/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1166 | XX | XX | XX |  | 24332067 | 5255157-25677 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1307 | XX | XX | XX |  | 24332082 | 5255310-5791 | 08/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1307 | XX | XX | XX |  | 24332084 | 5255310-7027 | 08/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1871 | XX | XX | XX |  | 24332077 | 5254278-3934 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1871 | XX | XX | XX |  | 24332078 | 5254278-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1871 | XX | XX | XX |  | 24332079 | 5254278-25805 | 12/15/2020 | Compliance | Compliance | State Compliance | State Defect | Maryland Prepayment Penalty Test | Maryland Prepayment Penalty: Loan prepay term of 60 months exceeds state maximum of 36 months. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1871 | XX | XX | XX |  | 24332080 | 5254278-23495 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1871 | XX | XX | XX |  | 24332081 | 5254278-6302 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 1242 | XX | XX | XX |  | 24332095 | 5254289-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1242 | XX | XX | XX |  | 24332097 | 5254289-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1242 | XX | XX | XX |  | 24332098 | 5254289-4967 | 03/16/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1619 | XX | XX | XX |  | 24332131 | 5254296-4087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1619 | XX | XX | XX |  | 24332132 | 5254296-25677 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1619 | XX | XX | XX |  | 24332133 | 5254296-2666 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1802 | XX | XX | XX |  | 24332140 | 5255378-3928 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | B |  |  | No |
| 1802 | XX | XX | XX |  | 24332141 | 5255378-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | B |  |  | No |
| 1363 | XX | XX | XX |  | 24332143 | 5253224-5445 | 01/03/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1363 | XX | XX | XX |  | 24332144 | 5253224-2778 | 01/03/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1363 | XX | XX | XX |  | 24332145 | 5253224-6301 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1363 | XX | XX | XX |  | 24332146 | 5253224-6302 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1363 | XX | XX | XX |  | 24332147 | 5253224-22050 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1363 | XX | XX | XX |  | 24332148 | 5253224-2666 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2009, prior to three (3) business days from transaction date of 02/XX/2009. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1363 | XX | XX | XX |  | 24332149 | 5253224-2647 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1363 | XX | XX | XX |  | 24332150 | 5253224-3953 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1363 | XX | XX | XX |  | 24332151 | 5253224-611 | 01/03/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 1754 | XX | XX | XX |  | 24332152 | 5255363-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1880 | XX | XX | XX |  | 24332156 | 5253373-3934 | 01/03/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1880 | XX | XX | XX |  | 24332158 | 5253373-7027 | 01/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2002. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1880 | XX | XX | XX |  | 24332159 | 5253373-7037 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1880 | XX | XX | XX |  | 24332160 | 5253373-3494 | 01/03/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1880 | XX | XX | XX |  | 24332161 | 5253373-4967 | 01/03/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1606 | XX | XX | XX |  | 24332170 | 5254784-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 1264 | XX | XX | XX |  | 24332187 | 5255373-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1264 | XX | XX | XX |  | 24332188 | 5255373-25677 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1329 | XX | XX | XX |  | 24332202 | 5255208-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1329 | XX | XX | XX |  | 24332203 | 5255208-5445 | 03/16/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1329 | XX | XX | XX |  | 24332204 | 5255208-25158 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1329 | XX | XX | XX |  | 24332205 | 5255208-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1329 | XX | XX | XX |  | 24332206 | 5255208-2713 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1329 | XX | XX | XX |  | 24332207 | 5255208-3141 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1329 | XX | XX | XX |  | 24332208 | 5255208-3063 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1329 | XX | XX | XX |  | 24332209 | 5255208-2688 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1329 | XX | XX | XX |  | 24332210 | 5255208-3353 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1125 | XX | XX | XX |  | 24332219 | 5254328-2692 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1125 | XX | XX | XX |  | 24332220 | 5254328-2694 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1125 | XX | XX | XX |  | 24332221 | 5254328-2696 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1125 | XX | XX | XX |  | 24332222 | 5254328-3070 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1768 | XX | XX | XX |  | 24332211 | 5254158-2691 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1768 | XX | XX | XX |  | 24332212 | 5254158-2694 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1768 | XX | XX | XX |  | 24332213 | 5254158-2696 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1768 | XX | XX | XX |  | 24332214 | 5254158-3141 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1671 | XX | XX | XX |  | 24332255 | 5255387-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1671 | XX | XX | XX |  | 24332256 | 5255387-5434 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1671 | XX | XX | XX |  | 24332257 | 5255387-6514 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1671 | XX | XX | XX |  | 24332258 | 5255387-5437 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1671 | XX | XX | XX |  | 24332259 | 5255387-6509 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1671 | XX | XX | XX |  | 24332260 | 5255387-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1671 | XX | XX | XX |  | 24332261 | 5255387-25677 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1671 | XX | XX | XX |  | 24332262 | 5255387-18362 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1279 | XX | XX | XX |  | 24332322 | 5255249-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1279 | XX | XX | XX |  | 24332323 | 5255249-5437 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1279 | XX | XX | XX |  | 24332324 | 5255249-25677 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1279 | XX | XX | XX |  | 24332325 | 5255249-2688 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1279 | XX | XX | XX |  | 24332326 | 5255249-3078 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1279 | XX | XX | XX |  | 24332327 | 5255249-3141 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1279 | XX | XX | XX |  | 24332328 | 5255249-7115 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B |  |  | No |
| 1279 | XX | XX | XX |  | 24332329 | 5255249-18362 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1279 | XX | XX | XX |  | 24332330 | 5255249-2212 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1279 | XX | XX | XX |  | 24332331 | 5255249-2214 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1279 | XX | XX | XX |  | 24332332 | 5255249-20776 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1279 | XX | XX | XX |  | 24332333 | 5255249-6514 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1279 | XX | XX | XX |  | 24332334 | 5255249-2211 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1502 | XX | XX | XX |  | 24332335 | 5254192-5438 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1502 | XX | XX | XX |  | 24332336 | 5254192-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1502 | XX | XX | XX |  | 24332337 | 5254192-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1502 | XX | XX | XX |  | 24332338 | 5254192-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1502 | XX | XX | XX |  | 24332339 | 5254192-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1502 | XX | XX | XX |  | 24332340 | 5254192-1973 | 01/14/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1502 | XX | XX | XX |  | 24332341 | 5254192-1976 | 01/14/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1502 | XX | XX | XX |  | 24332342 | 5254192-6589 | 01/14/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1502 | XX | XX | XX |  | 24332343 | 5254192-770 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 1070 | XX | XX | XX |  | 24332380 | 5254813-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 1070 | XX | XX | XX |  | 24332381 | 5254813-3494 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 1070 | XX | XX | XX |  | 24332382 | 5254813-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 1093 | XX | XX | XX |  | 24332399 | 5255286-7027 | 08/24/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1093 | XX | XX | XX |  | 24332400 | 5255286-4088 | 08/24/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1772 | XX | XX | XX |  | 24332445 | 5254383-611 | 03/31/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1772 | XX | XX | XX |  | 24332446 | 5254383-612 | 03/31/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL signed by all required parties is blank |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1772 | XX | XX | XX |  | 24332447 | 5254383-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1772 | XX | XX | XX |  | 24332449 | 5254383-3934 | 03/31/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1772 | XX | XX | XX |  | 24332451 | 5254383-7037 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1720 | XX | XX | XX |  | 24332453 | 5255434-7027 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1720 | XX | XX | XX |  | 24332454 | 5255434-7037 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1720 | XX | XX | XX |  | 24332455 | 5255434-3494 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1720 | XX | XX | XX |  | 24332456 | 5255434-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1160 | XX | XX | XX |  | 24332478 | 5255292-7027 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1160 | XX | XX | XX |  | 24332479 | 5255292-3928 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1578 | XX | XX | XX |  | 24332484 | 5254819-6302 | 09/07/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 1738 | XX | XX | XX |  | 24332495 | 5254381-22050 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1738 | XX | XX | XX |  | 24332496 | 5254381-7042 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1738 | XX | XX | XX |  | 24332497 | 5254381-3494 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 1256 | XX | XX | XX |  | 24332500 | 5255311-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1256 | XX | XX | XX |  | 24332502 | 5255311-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1256 | XX | XX | XX |  | 24332503 | 5255311-25677 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1256 | XX | XX | XX |  | 24332504 | 5255311-25688 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1256 | XX | XX | XX |  | 24332505 | 5255311-6306 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1256 | XX | XX | XX |  | 24332506 | 5255311-2659 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $220,557.95 is underdisclosed from calculated Finance Charge of $235,477.66 in the amount of $14,919.71. | Under disclosure is in the payments. Unable to determine the index used by lender; however the lowest index available for our look back period is 2.1938%. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1207 | XX | XX | XX |  | 24332508 | 5255444-3934 | 03/31/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1207 | XX | XX | XX |  | 24332510 | 5255444-3928 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1207 | XX | XX | XX |  | 24332511 | 5255444-22050 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1207 | XX | XX | XX |  | 24332512 | 5255444-7040 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1207 | XX | XX | XX |  | 24332513 | 5255444-613 | 03/31/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1130 | XX | XX | XX |  | 24332526 | 5255457-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1130 | XX | XX | XX |  | 24332527 | 5255457-25677 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1190 | XX | XX | XX |  | 24332533 | 5254739-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1190 | XX | XX | XX |  | 24332534 | 5254739-24490 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1699 | XX | XX | XX |  | 24332536 | 5254255-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1699 | XX | XX | XX |  | 24332537 | 5254255-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1699 | XX | XX | XX |  | 24332538 | 5254255-25677 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1257 | XX | XX | XX |  | 24332547 | 5255435-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1257 | XX | XX | XX |  | 24332548 | 5255435-6302 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1271 | XX | XX | XX |  | 24332554 | 5255308-25677 | 02/19/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1154 | XX | XX | XX |  | 24332558 | 5255315-4087 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1154 | XX | XX | XX |  | 24332559 | 5255315-6302 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | No Defined Cure B |  |  | No |
| 1154 | XX | XX | XX |  | 24332560 | 5255315-3953 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1135 | XX | XX | XX |  | 24332566 | 5254737-25677 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 1135 | XX | XX | XX |  | 24332567 | 5254737-25688 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | No Defined Cure B |  |  | No |
| 1135 | XX | XX | XX |  | 24332568 | 5254737-2659 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $241,703.87 is underdisclosed from calculated Finance Charge of $243,758.45 in the amount of $2,054.58. | Unable to determine under disclosure due to missing Lender Index. Lowest Index available in the look back period is 3.7025%. |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1135 | XX | XX | XX |  | 24332570 | 5254737-6306 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | No Defined Cure B |  |  | No |
| 1422 | XX | XX | XX |  | 24332575 | 5254745-4087 | 03/27/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 1162 | XX | XX | XX |  | 24332581 | 5254746-3928 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1162 | XX | XX | XX |  | 24332582 | 5254746-25686 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | No Defined Cure B |  |  | No |
| 1162 | XX | XX | XX |  | 24332583 | 5254746-6302 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | No Defined Cure B |  |  | No |
| 1162 | XX | XX | XX |  | 24332584 | 5254746-2659 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $139,372.56 is underdisclosed from calculated Finance Charge of $142,746.03 in the amount of $3,373.47. | The lowest Index available in our look-back period is 3.9588%. It appears a lower index was used at time of closing |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1133 | XX | XX | XX |  | 24332588 | 5254832-5445 | 12/15/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1133 | XX | XX | XX |  | 24332589 | 5254832-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1133 | XX | XX | XX |  | 24332590 | 5254832-2659 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $171,354.39 is underdisclosed from calculated Finance Charge of $171,444.24 in the amount of $89.85. | TIL Itemization did not disclose Courier Fee of $65.00 or Wire Fee of $25.00 as Prepaid Finance Charge. |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1116 | XX | XX | XX |  | 24332592 | 5255321-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1116 | XX | XX | XX |  | 24332593 | 5255321-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1116 | XX | XX | XX |  | 24332594 | 5255321-7037 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1116 | XX | XX | XX |  | 24332595 | 5255321-3494 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1359 | XX | XX | XX |  | 24332596 | 5255449-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1845 | XX | XX | XX |  | 24332603 | 5255452-20780 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MT | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1845 | XX | XX | XX |  | 24332604 | 5255452-6579 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MT | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1845 | XX | XX | XX |  | 24332605 | 5255452-7028 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MT | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1845 | XX | XX | XX |  | 24332606 | 5255452-7037 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1845 | XX | XX | XX |  | 24332607 | 5255452-3494 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MT | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1845 | XX | XX | XX |  | 24332608 | 5255452-4967 | 12/22/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MT | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1845 | XX | XX | XX |  | 24332610 | 5255452-3934 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MT | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1134 | XX | XX | XX |  | 24332614 | 5254741-611 | 03/30/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1134 | XX | XX | XX |  | 24332615 | 5254741-25686 | 03/30/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1134 | XX | XX | XX |  | 24332616 | 5254741-6302 | 03/30/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1292 | XX | XX | XX |  | 24332621 | 5254396-7027 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1292 | XX | XX | XX |  | 24332622 | 5254396-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1292 | XX | XX | XX |  | 24332623 | 5254396-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1292 | XX | XX | XX |  | 24332624 | 5254396-25677 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1292 | XX | XX | XX |  | 24332625 | 5254396-2647 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1625 | XX | XX | XX |  | 24332628 | 5254262-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1625 | XX | XX | XX |  | 24332629 | 5254262-4087 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1625 | XX | XX | XX |  | 24332630 | 5254262-25677 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1266 | XX | XX | XX |  | 24332632 | 5254744-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1189 | XX | XX | XX |  | 24332639 | 5254749-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1860 | XX | XX | XX |  | 24332641 | 5254398-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1313 | XX | XX | XX |  | 24332649 | 5254834-3928 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1313 | XX | XX | XX |  | 24332650 | 5254834-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1126 | XX | XX | XX |  | 24332656 | 5255488-5445 | 12/08/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1165 | XX | XX | XX |  | 24332654 | 5254758-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1398 | XX | XX | XX |  | 24332658 | 5255328-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Second Home | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1398 | XX | XX | XX |  | 24332659 | 5255328-25368 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home) |  |  |  |  |  |  |  |  | 2 B | XX | SC | Second Home | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1100 | XX | XX | XX |  | 24332665 | 5254833-7027 | 08/24/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1100 | XX | XX | XX |  | 24332666 | 5254833-4088 | 08/24/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1100 | XX | XX | XX |  | 24332667 | 5254833-5445 | 08/24/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1228 | XX | XX | XX |  | 24332669 | 5254763-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1228 | XX | XX | XX |  | 24332671 | 5254763-7042 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1197 | XX | XX | XX |  | 24332693 | 5254772-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1301 | XX | XX | XX |  | 24332701 | 5255479-4087 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 1414 | XX | XX | XX |  | 24332704 | 5253829-5445 | 12/03/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1414 | XX | XX | XX |  | 24332705 | 5253829-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1414 | XX | XX | XX |  | 24332706 | 5253829-25677 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1080 | XX | XX | XX |  | 24332712 | 5255355-4087 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1080 | XX | XX | XX |  | 24332713 | 5255355-25677 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1080 | XX | XX | XX |  | 24332714 | 5255355-22137 | 12/03/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1163 | XX | XX | XX |  | 24332717 | 5254292-3934 | 09/20/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 1163 | XX | XX | XX |  | 24332719 | 5254292-20780 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 1163 | XX | XX | XX |  | 24332720 | 5254292-6579 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 1163 | XX | XX | XX |  | 24332721 | 5254292-7028 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 1163 | XX | XX | XX |  | 24332722 | 5254292-7037 | 09/20/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1163 | XX | XX | XX |  | 24332723 | 5254292-3494 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 1163 | XX | XX | XX |  | 24332725 | 5254292-4967 | 09/20/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 1163 | XX | XX | XX |  | 24332726 | 5254292-5334 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 1223 | XX | XX | XX |  | 24332739 | 5255473-22866 | 03/24/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1223 | XX | XX | XX |  | 24332740 | 5255473-3928 | 03/24/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1435 | XX | XX | XX |  | 24332735 | 5255352-25677 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1337 | XX | XX | XX |  | 24332748 | 5253545-3934 | 01/03/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1337 | XX | XX | XX |  | 24332749 | 5253545-22050 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1337 | XX | XX | XX |  | 24332750 | 5253545-7040 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1337 | XX | XX | XX |  | 24332751 | 5253545-3953 | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1337 | XX | XX | XX |  | 24332752 | 5253545-613 | 01/03/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1220 | XX | XX | XX |  | 24332762 | 5255367-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1901 | XX | XX | XX |  | 27064044 | 1737162139-26039 | 06/17/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1901 | XX | XX | XX |  | 27064045 | 1737162139-2684 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1901 | XX | XX | XX |  | 27064046 | 1737162139-2687 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1901 | XX | XX | XX |  | 27064047 | 1737162139-1330 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1901 | XX | XX | XX |  | 27064048 | 1737162139-3353 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1901 | XX | XX | XX |  | 27064049 | 1737162139-18363 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2665 | XX | XX | XX |  | 27064070 | 1736845505-19966 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Copy of ECOA was provided - signed and dated 3/XX/2016 |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2665 | XX | XX | XX |  | 27064071 | 1736845505-25824 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. | LO was not licensed at time of closing (3/XX/2016). Per NMLS, originator was not licensed until 05/XX/2020 |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2665 | XX | XX | XX |  | 27064072 | 1736845505-1330 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Homeownership Counseling document not provided |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2665 | XX | XX | XX |  | 27064073 | 1736845505-3907 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XX/07/2016) | Loan originated 1/XX/16 per initial 1003. LE were not sent until 3/XX/16. LEs were not mailed within 3 business days of origination. |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2665 | XX | XX | XX |  | 27064075 | 1736845505-25818 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | Loan closed 3/XX/2016. Originator was not licensed until 5/XX/20 |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2150 | XX | XX | XX |  | 27064020 | 1734166640-1861 | 06/03/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Property Insurance (Property Insurance Exceeds Replacement Value) | Maryland HB649: Property insurance exceeds the replacement value of the property. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2458 | XX | XX | XX |  | 27063998 | 1733771435-2659 | 06/04/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $35,969.30 is underdisclosed from calculated Finance Charge of $36,575.76 in the amount of $606.46. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2252 | XX | XX | XX |  | 27063999 | 1733823137-3934 | 06/04/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  | GFE not in the loan file. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2252 | XX | XX | XX |  | 27064005 | 1733823137-1056 | 06/04/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2252 | XX | XX | XX |  | 27064006 | 1733823137-25158 | 06/04/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2252 | XX | XX | XX |  | 27064007 | 1733823137-24490 | 06/04/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2252 | XX | XX | XX |  | 27064008 | 1733823137-3063 | 06/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2252 | XX | XX | XX |  | 27064009 | 1733823137-1330 | 06/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2252 | XX | XX | XX |  | 27064010 | 1733823137-2688 | 06/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2252 | XX | XX | XX |  | 27064011 | 1733823137-3353 | 06/04/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2252 | XX | XX | XX |  | 27064012 | 1733823137-2666 | 06/04/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2014, prior to three (3) business days from transaction date of 04/XX/2014. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2252 | XX | XX | XX |  | 27064013 | 1733823137-2713 | 06/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2186 | XX | XX | XX |  | 27064089 | 1740557274-25158 | 12/19/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2825 | XX | XX | XX |  | 27064062 | 4013621427-6542 | 07/01/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,714.50 exceeds tolerance of $520.00. Insufficient or no cure was provided to the borrower. (7200) | Missing Valid COC and no evidence of cure provided |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2540 | XX | XX | XX |  | 27064059 | 1734554342-5445 | 12/21/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2834 | XX | XX | XX |  | 27064078 | 4013852533-6572 | 12/15/2020 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/07/2017) |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2834 | XX | XX | XX |  | 27064079 | 4013852533-7038 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/16/2017) | The file failed to contain evidence that a Closing Disclosure was provided to the Borrower a minimum of 3 business days prior to closing |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1906 | XX | XX | XX |  | 27064055 | 1734417049-20804 | 12/01/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Limited Cash-out GSE | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2342 | XX | XX | XX |  | 27064101 | 1735849664-2702 | 01/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 | The final GFE disclosed box 8 Transfer Taxes in the amount of $508.01, but Transfer Taxes disclosed on the final HUD1 equal $509.41 with a $1.40 cure disclosed. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2342 | XX | XX | XX |  | 27064102 | 1735849664-2659 | 01/12/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $87,892.71 is underdisclosed from calculated Finance Charge of $87,931.49 in the amount of $38.78. | The Finance Charge disclosed on the final TIL was underdisclosed in the amount of $38.60. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2062 | XX | XX | XX |  | 27064093 | 1735755328-5430 | 01/07/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | A final GFE provided to the Borrower with correct loan terms is missing. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2062 | XX | XX | XX |  | 27064094 | 1735755328-5432 | 01/07/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | A final GFE provided to the Borrower with correct loan terms is missing. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2062 | XX | XX | XX |  | 27064095 | 1735755328-2694 | 01/07/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | A final GFE provided to the Borrower with correct loan terms is missing. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2062 | XX | XX | XX |  | 27064096 | 1735755328-2696 | 01/07/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | A final GFE provided to the Borrower with correct loan terms is missing. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2495 | XX | XX | XX |  | 27064107 | 1735996464-2684 | 01/07/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | GFE dated 8/XX/15. This estimate for all other settlement charges available through 8/XX/2015. |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2495 | XX | XX | XX |  | 27064110 | 1735996464-3867 | 01/08/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Loan is missing Asset documents and waterfalling to ATR/QM documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | IN | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2134 | XX | XX | XX |  | 27064120 | 1735877459-2684 | 12/24/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2134 | XX | XX | XX |  | 27064121 | 1735877459-2687 | 12/24/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2134 | XX | XX | XX |  | 27064122 | 1735877459-2702 | 12/24/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2134 | XX | XX | XX |  | 27064123 | 1735877459-4180 | 12/24/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2134 | XX | XX | XX |  | 27064124 | 1735877459-4162 | 01/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely) | Maryland Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within ten (10) business days of application or three (3) business days prior to closing. | The Escrow disclosure in the loan file was not provided to the borrower within 10 days of the application date. The disclosure in file is dated 10/XX/2015. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2280 | XX | XX | XX |  | 27064116 | 1735753850-2684 | 12/24/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2280 | XX | XX | XX |  | 27064117 | 1735753850-2687 | 12/24/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2027 | XX | XX | XX |  | 27064165 | 4015540842-6572 | 08/11/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/31/2018) | Provide proof appraisal was delivered to borrower 3 business days prior to loan consummation. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2027 | XX | XX | XX |  | 27064166 | 4015540842-3882 | 08/11/2021 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Provide proof disclosure was received by borrower. Copy in file dated 5/XX/2018 has no signature. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2027 | XX | XX | XX |  | 27064168 | 4015540842-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,187.20 exceeds tolerance of $2,707.00. Insufficient or no cure was provided to the borrower. (7200) | Missing Valid COC for Loan Amount increase that will increase points. No evidence of cure provided. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2027 | XX | XX | XX |  | 27064169 | 4015540842-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,370.00 exceeds tolerance of $3,910.00. Insufficient or no cure was provided to the borrower. (8304) | Due to Seller CD paid Transfer Tax fee of $2,560.00. No evidence of cure provided |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2027 | XX | XX | XX |  | 27064170 | 4015540842-6542 | 08/11/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lenders Attorney Fee. Fee Amount of $950.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77108) | $950.00 fee was not disclosed on LE and only on final Closing Disclosure. Missing Valid COC and no evidence of cure provided |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2027 | XX | XX | XX |  | 27064173 | 4015540842-3867 | 08/16/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Due to Points and Fees |  |  |  |  |  |  |  | 3 C | XX | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2027 | XX | XX | XX |  | 27064175 | 4015540842-2683 | 08/16/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.55600% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $16,882.20 on a Federal Total Loan Amount of XX vs. an allowable total of $14,242.56 (an overage of $2,639.64 or .55600%). | Points and Fees on subject loan of 3.55600% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $16,882.20 on a Federal Total Loan Amount of $XX vs. an allowable total of $14,242.56 (an overage of $2,639.64 or .55600%). |  |  |  |  |  |  |  | 3 C | XX | NY | Primary | Purchase | If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:<br> 1)&nbsp;&nbsp;&nbsp;&nbsp; Refund is made within 210 days of consummation;<br> 2)&nbsp;&nbsp;&nbsp;&nbsp; The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> 3)&nbsp;&nbsp;&nbsp;&nbsp; The loan is not 60 days delinquent;<br> 4)&nbsp;&nbsp;&nbsp;&nbsp; The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and<br> 5)&nbsp;&nbsp;&nbsp;&nbsp; The loan was closed on or before January XX, 2021;<br>Documents Required to Cure<br> 1)&nbsp;&nbsp;&nbsp;&nbsp; Letter of Explanation<br> 2)&nbsp;&nbsp;&nbsp;&nbsp; Copy of Refund Check (in the amount of overage plus interest)<br> 3)&nbsp;&nbsp;&nbsp;&nbsp; Proof of Delivery<br> 4)&nbsp;&nbsp;&nbsp;&nbsp; Lender/Seller Attestation indicating:<br> &nbsp;&nbsp;&nbsp;&nbsp; a)&nbsp;&nbsp;&nbsp;&nbsp; The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> &nbsp;&nbsp;&nbsp;&nbsp; b)&nbsp;&nbsp;&nbsp;&nbsp; The loan is not 60 days delinquent; and<br> &nbsp;&nbsp;&nbsp;&nbsp; c)&nbsp;&nbsp;&nbsp;&nbsp; The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2431 | XX | XX | XX |  | 27064182 | 4010449900-2654 | 08/05/2021 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2431 | XX | XX | XX |  | 27064183 | 4010449900-5430 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2431 | XX | XX | XX |  | 27064184 | 4010449900-5431 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2431 | XX | XX | XX |  | 27064185 | 4010449900-5432 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2431 | XX | XX | XX |  | 27064186 | 4010449900-2692 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2431 | XX | XX | XX |  | 27064187 | 4010449900-2694 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2431 | XX | XX | XX |  | 27064188 | 4010449900-2696 | 08/05/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | Unable to determine if the Final GFE reflects the actual payment due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2431 | XX | XX | XX |  | 27064190 | 4010449900-768 | 08/05/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: Days before settlement not provided. | GFE Date: 08/XX/2014 | GFE';s Final is Illegible.<br> Gfe's dated 8/19 and 9/17 have been redacted and are illegible. \*\*\* |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2431 | XX | XX | XX |  | 27064191 | 4010449900-774 | 08/05/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: Original principal, interest, & MI payment is blank. | GFE Date: 08/XX/2014 | GFE';s Final is Illegible.<br> Gfe's dated 8/19 and 9/17 have been redacted and are illegible. \*\*\* |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2840 | XX | XX | XX |  | 27064198 | 1733920647-25818 | 07/21/2021 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2840 | XX | XX | XX |  | 27064199 | 1733920647-2659 | 07/21/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $367,082.43 is underdisclosed from calculated Finance Charge of $367,324.27 in the amount of $241.84. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2871 | XX | XX | XX |  | 27064206 | 1739651646-1330 | 08/04/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2229 | XX | XX | XX |  | 27064211 | 4012238947-25158 | 08/09/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2229 | XX | XX | XX |  | 27064212 | 4012238947-1330 | 08/09/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2229 | XX | XX | XX |  | 27064213 | 4012238947-3880 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $2,282.03 may be required. | Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $2,282.03 may be required. |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2229 | XX | XX | XX |  | 27064214 | 4012238947-19965 | 08/09/2021 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | Good faith redisclosure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1913 | XX | XX | XX |  | 27064280 | 1737351757-6542 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $44.59 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Point Fee of $44.59 was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | XX | ME | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2476 | XX | XX | XX |  | 27064310 | 1734061000-5791 | 07/22/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2476 | XX | XX | XX |  | 27064311 | 1734061000-2684 | 07/22/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | Unable to test GFE Estimate Available Through Date due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2476 | XX | XX | XX |  | 27064312 | 1734061000-1330 | 07/22/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2476 | XX | XX | XX |  | 27064313 | 1734061000-3867 | 07/22/2021 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Due Diligence Loan Designation of Safe Harbor QM due to calculated investor qualifying total debt ratio of 41.26363% exceeds AUS total debt ratio of 28.99000%. |  |  |  |  |  |  |  | 3 C | XX | IN | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2850 | XX | XX | XX |  | 27064345 | 4011230640-25158 | 01/11/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2850 | XX | XX | XX |  | 27064346 | 4011230640-2684 | 01/11/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1989 | XX | XX | XX |  | 27064351 | 4013902673-6542 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $616.10 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | The initial Loan Disclosure did not disclose a Loan Discount Points. Fee of $616.10. No cure or valid COC provided. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1930 | XX | XX | XX |  | 27064353 | 4010163241-26039 | 05/28/2021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Investment | Purchase | B | N/A | N/A | No |
| 2851 | XX | XX | XX |  | 27064361 | 4016317042-6572 | 07/14/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/16/2018) |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2851 | XX | XX | XX |  | 27064362 | 4016317042-6542 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,136.19 exceeds tolerance of $1,463.00. Insufficient or no cure was provided to the borrower. (7200) | Discount Fee was last disclosed as $1,463 on LE but disclosed as $5,136.19 on Final Closing Disclosure. File does not contain a valid COC for this fee. No cure is reflected on CD |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2882 | XX | XX | XX |  | 27064366 | 4017408566-26039 | 07/05/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Initial Loan Application not provided for review. |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No |
| 2882 | XX | XX | XX |  | 27064367 | 4017408566-7027 | 07/05/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2019 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Initial application was not provided for review. |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No |
| 2882 | XX | XX | XX |  | 27064369 | 4017408566-6572 | 07/05/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/17/2019) | Documentation of when the valuation was provided not in the file. |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No |
| 2882 | XX | XX | XX |  | 27064370 | 4017408566-2802 | 07/05/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No |
| 2830 | XX | XX | XX |  | 27064372 | 4017767878-2802 | 06/14/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2830 | XX | XX | XX |  | 27064377 | 4017767878-24137 | 06/14/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XX) | The loan is failing Temp SHQM and is testing to SHQM, which requires 2 year verification of employment history. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2830 | XX | XX | XX |  | 27064378 | 4017767878-25158 | 06/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2830 | XX | XX | XX |  | 27064379 | 4017767878-7027 | 06/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2019 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2830 | XX | XX | XX |  | 27064380 | 4017767878-25821 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | The file is missing the initial 1003. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2830 | XX | XX | XX |  | 27064381 | 4017767878-3867 | 06/14/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | File is missing final AUS; final 1008 showing AUS approved was used for review. Loan is water falling to SHQM which requires verification of two year employment history. |  |  |  |  |  |  |  | 3 C | XX | CA | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2830 | XX | XX | XX |  | 27064382 | 4017767878-3136 | 06/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | The file is missing the initial 1003. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2830 | XX | XX | XX |  | 27064383 | 4017767878-7038 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/06/2019) | There is not evidence in the file that the borrower received the Closing Disclosure at least three (3) business days prior to closing. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | No Defined Cure | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2830 | XX | XX | XX |  | 27064384 | 4017767878-6331 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-421.00. (9300) | Lender credit decreased without a valid COC, no cure provided. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2830 | XX | XX | XX |  | 27064386 | 4017767878-6543 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,480.00 exceeds tolerance of $2,233.00 plus 10% or $2,456.30. Insufficient or no cure was provided to the borrower. (0) | Fees added or increased without a valid COC, no cure provided. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2830 | XX | XX | XX |  | 27064387 | 4017767878-6542 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $845.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Fees added or increased without a valid COC, no cure provided. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2830 | XX | XX | XX |  | 27064388 | 4017767878-6542 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77185) | Fees added or increased without a valid COC, no cure provided. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2830 | XX | XX | XX |  | 27064389 | 4017767878-6542 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $95.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190) | Fees added or increased without a valid COC, no cure provided. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2830 | XX | XX | XX |  | 27064390 | 4017767878-6542 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Archive Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77219) | Fees added or increased without a valid COC, no cure provided. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2068 | XX | XX | XX |  | 27064394 | 4018017257-6572 | 07/05/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/22/2019) |  |  |  |  |  |  |  |  | 2 B | XX | PA | Investment | Refinance - Cash-out - Other | B | N/A | N/A | No |
| 2068 | XX | XX | XX |  | 27064395 | 4018017257-2802 | 07/05/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Investment | Refinance - Cash-out - Other | B | N/A | N/A | No |
| 2068 | XX | XX | XX |  | 27064398 | 4018017257-26039 | 07/05/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Investment | Refinance - Cash-out - Other | B | N/A | N/A | No |
| 2068 | XX | XX | XX |  | 27064399 | 4018017257-7027 | 07/05/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2019 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Investment | Refinance - Cash-out - Other | B | N/A | N/A | No |
| 2068 | XX | XX | XX |  | 27064400 | 4018017257-5445 | 07/05/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Investment | Refinance - Cash-out - Other | B | N/A | N/A | No |
| 2729 | XX | XX | XX |  | 27064414 | 4017069217-7038 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/31/2019) | Missing initial CD. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2087 | XX | XX | XX |  | 27064417 | 4016953435-2802 | 07/06/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2087 | XX | XX | XX |  | 27064422 | 4016953435-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/25/2019) | The appraisal was not provided within 3 days of closing. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2087 | XX | XX | XX |  | 27064423 | 4016953435-25158 | 07/06/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2087 | XX | XX | XX |  | 27064424 | 4016953435-1330 | 07/06/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2087 | XX | XX | XX |  | 27064425 | 4016953435-5791 | 07/06/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2087 | XX | XX | XX |  | 27064426 | 4016953435-7038 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/23/2019) | Missing initial CD. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | No Defined Cure | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2087 | XX | XX | XX |  | 27064430 | 4016953435-7027 | 07/06/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2019 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2087 | XX | XX | XX |  | 27064431 | 4016953435-25821 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2087 | XX | XX | XX |  | 27064432 | 4016953435-3867 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Loan is failing Temp SHQM due to unsourced EMD. Loan is waterfalling to SHQM requirements. |  |  |  |  |  |  |  | 3 C | XX | PA | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2087 | XX | XX | XX |  | 27064433 | 4016953435-1257 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is failing Temp SHQM due to unsourced EMD. Loan is waterfalling to SHQM which allows max dti of 43%. |  |  |  |  |  |  |  | 3 C | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2839 | XX | XX | XX |  | 27064446 | 4016223100-1329 | 07/06/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations was older than 30 days when provided to borrower. | Homeownership Counseling Organization List was provided on 11/XX/2018 however the list is from 10/2014. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2901 | XX | XX | XX |  | 27064466 | 4016520057-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/18/2019) |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2709 | XX | XX | XX |  | 27064470 | 4016590849-6542 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $200.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7588) | No valid change circumstance or evidence of cure was found in the file. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2499 | XX | XX | XX |  | 27064478 | 4015788040-1330 | 07/06/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrow |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2499 | XX | XX | XX |  | 27064479 | 4015788040-5789 | 07/06/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Michigan CMPA Home Loan Toolkit is missing or not provided to borrower |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2499 | XX | XX | XX |  | 27064480 | 4015788040-7038 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/19/2018) | Closing Disclosure not provided to Borrower(s) at least three business days prior to closing. |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2499 | XX | XX | XX |  | 27064482 | 4015788040-6542 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,262.75 exceeds tolerance of $445.00. Insufficient or no cure was provided to the borrower. (7200) | Tolerance exceeded for Loan Discount Points. Fee Amount of $1,262.75 exceeds tolerance of $445.00, No |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2528 | XX | XX | XX |  | 27064494 | 4015659351-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/15/2018) |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2528 | XX | XX | XX |  | 27064495 | 4015659351-3867 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Points and fees exceed the 3% max. |  |  |  |  |  |  |  | 3 C | XX | MI | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2528 | XX | XX | XX |  | 27064496 | 4015659351-2683 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.79135% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $4,665.00 on a Federal Total Loan Amount of $XX vs. an allowable total of $3,691.29 (an overage of $973.71 or .79135%). | Fees exceed the 3% max. |  |  |  |  |  |  |  | 3 C | XX | MI | Primary | Purchase | If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:<br> 1)&nbsp;&nbsp;&nbsp;&nbsp; Refund is made within 210 days of consummation;<br> 2)&nbsp;&nbsp;&nbsp;&nbsp; The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> 3)&nbsp;&nbsp;&nbsp;&nbsp; The loan is not 60 days delinquent;<br> 4)&nbsp;&nbsp;&nbsp;&nbsp; The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and<br> 5)&nbsp;&nbsp;&nbsp;&nbsp; The loan was closed on or before January XX, 2021;<br>Documents Required to Cure<br> 1)&nbsp;&nbsp;&nbsp;&nbsp; Letter of Explanation<br> 2)&nbsp;&nbsp;&nbsp;&nbsp; Copy of Refund Check (in the amount of overage plus interest)<br> 3)&nbsp;&nbsp;&nbsp;&nbsp; Proof of Delivery<br> 4)&nbsp;&nbsp;&nbsp;&nbsp; Lender/Seller Attestation indicating:<br> &nbsp;&nbsp;&nbsp;&nbsp; a)&nbsp;&nbsp;&nbsp;&nbsp; The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> &nbsp;&nbsp;&nbsp;&nbsp; b)&nbsp;&nbsp;&nbsp;&nbsp; The loan is not 60 days delinquent; and<br> &nbsp;&nbsp;&nbsp;&nbsp; c)&nbsp;&nbsp;&nbsp;&nbsp; The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2841 | XX | XX | XX |  | 27064490 | 4015678086-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/28/2018) | Borrower did not receive a copy of each valuation three business days prior to consummation |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2841 | XX | XX | XX |  | 27064491 | 4015678086-7115 | 07/06/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial Escrow Deposit Disclosure disclosed initial escrow deposit as $10,770.99. Final CD reflects initial escrow deposit of $5579.65 Lender to provide corrected initial escrow deposit disclosure. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2819 | XX | XX | XX |  | 27064521 | 4015501454-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/03/2018) | Evidence the borrowers received a copy of the appraisal at least 3 business days prior to closing, or a waiver is not provided. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2838 | XX | XX | XX |  | 27064557 | 4015619463-28247 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No |
| 2771 | XX | XX | XX |  | 27064572 | 4015330633-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/26/2018) | Evidence of when the borrower received a copy of the appraisal report is missing from the file. |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2771 | XX | XX | XX |  | 27064573 | 4015330633-7115 | 07/06/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The initial escrow disclosure reports the starting balance to be $1,094.17. The final CD reports the estimated escrows over 1 year to be $3,282.36 with a monthly payment of $273.53 |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2771 | XX | XX | XX |  | 27064574 | 4015330633-7038 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/05/2018) | Closing disclosure not provided at least 3 days before closing. |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | No Defined Cure | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2771 | XX | XX | XX |  | 27064575 | 4015330633-26033 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 03/XX/2018 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/30/2018) | Loan estimate not delivered to borrower within 3 days of application. Initial LE was electronically singed on 04/XX/2018 however the eSign agreement is dated 05/XX/2018. |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2771 | XX | XX | XX |  | 27064576 | 4015330633-6331 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,039.87 is less than amount of binding Lender Credit previously disclosed in the amount of $-2,529.00. (9300) | Missing a valid CIC and No cure provided to the borrower. |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2771 | XX | XX | XX |  | 27064577 | 4015330633-6543 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,314.00 exceeds tolerance of $536.00 plus 10% or $589.60. Insufficient or no cure was provided to the borrower. (0) | Missing a valid CIC and no cure provided to the borrower. |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2771 | XX | XX | XX |  | 27064583 | 4015330633-6677 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XX) | File is missing the required AUS with all pages; loan is defaulting to standard ATR/QM documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | CO | Primary | Refinance - Cash-out - Other | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2771 | XX | XX | XX |  | 27064584 | 4015330633-3867 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | File is missing the required AUS with all pages; loan is defaulting to standard ATR/QM documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2771 | XX | XX | XX |  | 27064586 | 4015330633-24490 | 07/06/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Mortgage payoff not provided in file. |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2691 | XX | XX | XX |  | 27064589 | 4015272483-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/05/2018) |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2691 | XX | XX | XX |  | 27064591 | 4015272483-3867 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Missing asset documentation; loan is waterfalling to standard QM/ATR documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | OK | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2691 | XX | XX | XX |  | 27064592 | 4015272483-2683 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.15574% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $5,571.50 on a Federal Total Loan Amount of $XX vs. an allowable total of $5,296.54 (an overage of $274.96 or .15574%). | The QM point and fees exceeds the allowable threshold. |  |  |  |  |  |  |  | 3 C | XX | OK | Primary | Purchase | If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions:<br> 1)&nbsp;&nbsp;&nbsp;&nbsp; Refund is made within 210 days of consummation;<br> 2)&nbsp;&nbsp;&nbsp;&nbsp; The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> 3)&nbsp;&nbsp;&nbsp;&nbsp; The loan is not 60 days delinquent;<br> 4)&nbsp;&nbsp;&nbsp;&nbsp; The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and<br> 5)&nbsp;&nbsp;&nbsp;&nbsp; The loan was closed on or before January XX, 2021;<br>Documents Required to Cure<br> 1)&nbsp;&nbsp;&nbsp;&nbsp; Letter of Explanation<br> 2)&nbsp;&nbsp;&nbsp;&nbsp; Copy of Refund Check (in the amount of overage plus interest)<br> 3)&nbsp;&nbsp;&nbsp;&nbsp; Proof of Delivery<br> 4)&nbsp;&nbsp;&nbsp;&nbsp; Lender/Seller Attestation indicating:<br> &nbsp;&nbsp;&nbsp;&nbsp; a)&nbsp;&nbsp;&nbsp;&nbsp; The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;<br> &nbsp;&nbsp;&nbsp;&nbsp; b)&nbsp;&nbsp;&nbsp;&nbsp; The loan is not 60 days delinquent; and<br> &nbsp;&nbsp;&nbsp;&nbsp; c)&nbsp;&nbsp;&nbsp;&nbsp; The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2892 | XX | XX | XX |  | 27064601 | 4015242223-6572 | 07/06/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/09/2018) |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2433 | XX | XX | XX |  | 27064602 | 4015301632-6572 | 06/14/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/30/2018) |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2496 | XX | XX | XX |  | 27064606 | 4015003584-7038 | 07/06/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/16/2018) | Per documentation in the file, the initial CD was issued and delivered 5/XX/2018. This CD was missing from the file. |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Limited Cash-out GSE | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2334 | XX | XX | XX |  | 27064622 | 4014973194-1330 | 06/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2334 | XX | XX | XX |  | 27064623 | 4014973194-26033 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 03/XX/2018 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/26/2018) | Initial LE electronically received 03/XX/2018. Earliest e-consent located in the file was accepted 04/XX/2018. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2334 | XX | XX | XX |  | 27064625 | 4014973194-3867 | 06/14/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | File is not eligible for purchase due to missing final AUS and insufficient assets. |  |  |  |  |  |  |  | 3 C | XX | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2334 | XX | XX | XX |  | 27064626 | 4014973194-7038 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/20/2018) | Initial CD issued 04/XX/2018 was not signed or dated so unable to determine date received. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2854 | XX | XX | XX |  | 27064649 | 4014605863-2802 | 07/07/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2854 | XX | XX | XX |  | 27064653 | 4014605863-32344 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 5,884.89 on Final Closing Disclosure provided on 02/XX/2018 not accurate. (Final/XX/19/2018) |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2854 | XX | XX | XX |  | 27064654 | 4014605863-6331 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4.50 is less than amount of binding Lender Credit previously disclosed in the amount of $-435.00. (9300) | The lender credit decreased without a valid COC. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2854 | XX | XX | XX |  | 27064655 | 4014605863-6542 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,189.66 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Loan discount points Fee of $1,189.66 exceeds tolerance of $0.00 and no COC or cure was provided. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2854 | XX | XX | XX |  | 27064656 | 4014605863-7027 | 07/07/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2018 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2854 | XX | XX | XX |  | 27064657 | 4014605863-25821 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2854 | XX | XX | XX |  | 27064658 | 4014605863-3136 | 07/07/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing initial application date. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2768 | XX | XX | XX |  | 27064668 | 4014431693-6677 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XX) | Loan waterfalls to QM testing due to missing Appraisal Report that was required by the AUS. |  |  |  |  |  |  |  | 3 C | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2768 | XX | XX | XX |  | 27064669 | 4014431693-3867 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Waterfalls to QM testing due to missing the Appraisal Report |  |  |  |  |  |  |  | 3 C | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2768 | XX | XX | XX |  | 27064670 | 4014431693-1257 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Waterfalls to QM testing due to missing the Appraisal Report. |  |  |  |  |  |  |  | 3 C | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2768 | XX | XX | XX |  | 27064671 | 4014431693-7038 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/11/2018) | The calculated date of delivery is 01/XX/2018. Missing evidence of the date the Initial Disclosure was received by the borrower. |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2900 | XX | XX | XX |  | 27064676 | 4014206851-19966 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2900 | XX | XX | XX |  | 27064677 | 4014206851-25158 | 07/07/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2900 | XX | XX | XX |  | 27064678 | 4014206851-3136 | 07/07/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2900 | XX | XX | XX |  | 27064679 | 4014206851-7038 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/29/2017) | Evidence of earlier borrower receipt was not found in file. |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Purchase | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2900 | XX | XX | XX |  | 27064680 | 4014206851-3907 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XX/31/2017) | Evidence of earlier borrower receipt was not found in file. |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Purchase | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2106 | XX | XX | XX |  | 27064683 | 4014472327-25677 | 06/23/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2106 | XX | XX | XX |  | 27064684 | 4014472327-3136 | 06/23/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The document is not provided within the required timeframe. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2264 | XX | XX | XX |  | 27064686 | 4014172665-6572 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/25/2017) |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2264 | XX | XX | XX |  | 27064687 | 4014172665-1330 | 07/07/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2264 | XX | XX | XX |  | 27064688 | 4014172665-26033 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 10/XX/2017 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/10/2017) |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2474 | XX | XX | XX |  | 27064692 | 4014178782-1330 | 07/07/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2474 | XX | XX | XX |  | 27064693 | 4014178782-26033 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XX/14/2017) | Evidence of earlier borrower receipt was not found in file. |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2474 | XX | XX | XX |  | 27064694 | 4014178782-7038 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/07/2017) | Evidence of earlier borrower receipt was not found in file. |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2474 | XX | XX | XX |  | 27064695 | 4014178782-6542 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,410.50 exceeds tolerance of $661.00. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points was last disclosed as $661.00 on LE but disclosed as $1,410.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2474 | XX | XX | XX |  | 27064696 | 4014178782-6542 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7563) | Title - Document Preparation Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2474 | XX | XX | XX |  | 27064697 | 4014178782-6542 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $15.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) | Transfer Tax was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2474 | XX | XX | XX |  | 27064698 | 4014178782-2802 | 07/07/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2474 | XX | XX | XX |  | 27064699 | 4014178782-7027 | 07/07/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2017 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2474 | XX | XX | XX |  | 27064700 | 4014178782-25821 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2474 | XX | XX | XX |  | 27064701 | 4014178782-19966 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Right to received appraisal within 3 days was issued, signed by the consumer on 11/XX/2017 |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2360 | XX | XX | XX |  | 27064705 | 4013571109-6542 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Appraisal Final Inspection Fee was not initially disclosed to the borrower and the final CD shows a fee of $175. No COC or cure provided. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2360 | XX | XX | XX |  | 27064706 | 4013571109-7038 | 06/14/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/21/2017) | Initial CD is dated 8/XX/2017 however is not signed by the borrower. Unable to determine if the borrower received the initial CD at least 3 days prior to close. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1894 | XX | XX | XX |  | 27064707 | 4013903177-2802 | 07/07/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 is not signed by either the Borrower or LO. |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 1894 | XX | XX | XX |  | 27064711 | 4013903177-3867 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Loan file is missing the Appraisal therefore All conditions are not met and loan would not be Agency Saleable. |  |  |  |  |  |  |  | 3 C | XX | MA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2700 | XX | XX | XX |  | 27064732 | 4013457785-4087 | 07/07/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | ABA signed at closing is the Title Company ABA and not the Lender's ABA. Lender ABA is required to be signed by the borrower. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1902 | XX | XX | XX |  | 27064735 | 4014453292-25158 | 07/07/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1902 | XX | XX | XX |  | 27064736 | 4014453292-22274 | 07/07/2022 | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Late Charge Percent Testing | Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1902 | XX | XX | XX |  | 27064737 | 4014453292-32344 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 6,864.01 on Final Closing Disclosure provided on 10/XX/2017 not accurate. (Final/XX/23/2017) | Annual homeowners walls in protection premium of $253.00 and monthly HOA condo fee $572.00 not included in monthly escrow. Total estimated non escrow monthly expense should be $7,116.96 |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1902 | XX | XX | XX |  | 27064738 | 4014453292-23895 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/XX/18/2017) | Missing proof of timely receipt of the final revised loan estimate dated 10/XX/2017 |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1902 | XX | XX | XX |  | 27064739 | 4014453292-22522 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 10/XX/2017). (Final/XX/23/2017) | Final closing disclosure reflects a total of payments in the loan calculation section of $772,285.63, audit calculated TOP is $774,24.32 |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1902 | XX | XX | XX |  | 27064740 | 4014453292-4436 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/25/2017) |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2145 | XX | XX | XX |  | 27064748 | 4012901339-6572 | 07/07/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/21/2017) | Documentation of when the appraisal was received was not provided for review. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2145 | XX | XX | XX |  | 27064749 | 4012901339-4180 | 07/07/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2145 | XX | XX | XX |  | 27064750 | 4012901339-6542 | 07/07/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $7,124.68 exceeds tolerance of $1,785.00. Insufficient or no cure was provided to the borrower. (8304) | Transfer Tax Amount of $7,124.68 exceeds tolerance of $1,785.00. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2145 | XX | XX | XX |  | 27064751 | 4012901339-25158 | 07/07/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock not provided for review. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2842 | XX | XX | XX |  | 27064756 | 1740851463-6572 | 07/08/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/18/2017) | Missing verification of borrower's receipt of appraisal. |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Purchase | B | N/A | N/A | No |
| 2843 | XX | XX | XX |  | 27064799 | 1740285198-1330 | 07/08/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Home Improvement | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2702 | XX | XX | XX |  | 27064816 | 1738785112-25158 | 07/08/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2702 | XX | XX | XX |  | 27064817 | 1738785112-25818 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. | Search on NMLS.com did not return a license for the Loan Originator with the Origination Company. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2702 | XX | XX | XX |  | 27064819 | 1738785112-4436 | 07/08/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/20/2016) |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2702 | XX | XX | XX |  | 27064820 | 1738785112-2654 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | Search on NMLS.com did not return a license for the Loan Originator with the Origination Company. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2737 | XX | XX | XX |  | 27064824 | 1738907833-7038 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/01/2016) | File contains the Final CD dated 7.XX16 signed at closing on 7XX16. No earlier CD was provided in the loan file. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Other | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2845 | XX | XX | XX |  | 27064826 | 1739224691-32367 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,740.60 on Final Closing Disclosure provided on 06/XX/2016 not accurate. (Final/XX/30/2016) | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $1,740.60 on page 4, however the HOA dues are $1,740 per year. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2263 | XX | XX | XX |  | 27064830 | 4011836547-6542 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $190.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77163) | File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2263 | XX | XX | XX |  | 27064832 | 4011836547-7038 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/25/2016) | Evidence of earlier borrower receipt was not provided. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1940 | XX | XX | XX |  | 27064853 | 1737157413-6415 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 04/XX/2016 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/XX/20/2016) | Final CD missing Lender NMLS ID |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1940 | XX | XX | XX |  | 27064854 | 1737157413-6542 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,880.00 exceeds tolerance of $2,304.00. Insufficient or no cure was provided to the borrower. (7200) | No COC or cure was provided to the Borrower for tolerance overages. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1940 | XX | XX | XX |  | 27064855 | 1737157413-6542 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | No COC or cure was provided to the Borrower for tolerance overages. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1940 | XX | XX | XX |  | 27064856 | 1737157413-6542 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $11.82 exceeds tolerance of $10.00. Insufficient or no cure was provided to the borrower. (7520) | No COC or cure was provided to the Borrower for tolerance overages. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1940 | XX | XX | XX |  | 27064859 | 1737157413-6307 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 04/XX/2016). (Final/XX/20/2016) | Total of Payments disclosed is $413,871.31. Calculated Total of Payments is $414,007.43. Variance of $136.12. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2129 | XX | XX | XX |  | 27064865 | 1737163114-24729 | 07/08/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Investment | Refinance - Rate/Term | B | N/A | N/A | No |
| 2129 | XX | XX | XX |  | 27064866 | 1737163114-4180 | 07/08/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Investment | Refinance - Rate/Term | B | N/A | N/A | No |
| 2109 | XX | XX | XX |  | 27064879 | 1736845905-6346 | 06/23/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2016 incorrectly disclosed whether property taxes are included in escrow. (Final/XX/08/2016) | Informational only - final CD shows the escrowed taxes in the Other category rather than the tax category. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2109 | XX | XX | XX |  | 27064880 | 1736845905-2802 | 06/23/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2109 | XX | XX | XX |  | 27064881 | 1736845905-7027 | 06/23/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2016 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2109 | XX | XX | XX |  | 27064882 | 1736845905-25821 | 06/23/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2109 | XX | XX | XX |  | 27064883 | 1736845905-26033 | 06/23/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 02/XX/2016 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/01/2016) |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2109 | XX | XX | XX |  | 27064884 | 1736845905-3136 | 06/23/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | The file is missing a signed/dated initial 1003 to provide the application date. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2301 | XX | XX | XX |  | 27064892 | 1736851357-32342 | 07/08/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Escrowed Property Costs over Year 1 - Pre October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 2,414.06 on Final Closing Disclosure provided on 02/XX/2016 not accurate. (Final/XX/23/2016) | Monthly escrow of $219.46 X 12 months = $2,633.52 costs for 1 year but, CD has inaccurate amount of $2,414.06 as 1 year escrowed costs |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1992 | XX | XX | XX |  | 27064928 | 4011482325-25824 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. | Per NMLS consumer access the loan originator license status 9/XX/2015 was not active at time of application 09/XX/2015 |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1992 | XX | XX | XX |  | 27064929 | 4011482325-25677 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Evidence the Affiliated Business Arrangement was provided to applicant within three days was missing from the loan file. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1992 | XX | XX | XX |  | 27064930 | 4011482325-2647 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Notice of right to cancel was not provided prior to expected date as guideline requirements. Date of transaction is 12/XX/2015 and ROR reflects 12/XX/2015 |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2603 | XX | XX | XX |  | 27064936 | 1735993580-2684 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2033 | XX | XX | XX |  | 27064941 | 1736067701-21706 | 07/11/2022 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2033 | XX | XX | XX |  | 27064942 | 1736067701-23895 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/XX/10/2015) |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2033 | XX | XX | XX |  | 27064943 | 1736067701-4376 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2015 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2015). (Final/XX/15/2015) | Disclosed Finance Charges are $264,785.07. Due Diligence Finance Charges are $265,053.16. There is a variance of $149.96. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2033 | XX | XX | XX |  | 27064944 | 1736067701-7038 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/10/2015) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2033 | XX | XX | XX |  | 27064945 | 1736067701-3988 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 12/XX/2015 not received by borrower at least four (4) business days prior to closing. (Interim/XX/10/2015) | Revised Loan Estimate provided on 12/XX/2015 not received by borrower at least four (4) business days prior to closing. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2033 | XX | XX | XX |  | 27064946 | 1736067701-6307 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2015 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 12/XX/2015). (Final/XX/15/2015) | Disclosure reflects TOP of $607,812.02 but calculated TOP of $608,063.87. Variance = $251.85. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2033 | XX | XX | XX |  | 27064947 | 1736067701-6542 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $225.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7772) | Valid COC or cure is not provided for Good Standing Cert/Filing Fee on final CD that was not previously disclosed. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2875 | XX | XX | XX |  | 27064948 | 1735786098-2684 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | Initial GFE is dated 10/XX/2015 with an Estimated Settlement Charges through date of 9/XX/2015 |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2875 | XX | XX | XX |  | 27064949 | 1735786098-2687 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | Application was taken on 8/XX/2015 but, earliest GFE provided is 10/XX/2015 |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2321 | XX | XX | XX |  | 27064960 | 1735785266-2684 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2321 | XX | XX | XX |  | 27064961 | 1735785266-2687 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2321 | XX | XX | XX |  | 27064962 | 1735785266-3078 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2321 | XX | XX | XX |  | 27064963 | 1735785266-3079 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2321 | XX | XX | XX |  | 27064964 | 1735785266-2702 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2820 | XX | XX | XX |  | 27064990 | 1735676081-3074 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | Initial escrow disclosure amount of $501..86 does not match 08/XX/15 TIL of $507.20 |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2820 | XX | XX | XX |  | 27064991 | 1735676081-3071 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | Initial escrow disclosure amount of $501..83 does not match 08/XX/15 TIL escrow amount of $507.20 |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2023 | XX | XX | XX |  | 27064997 | 1735609259-21706 | 07/11/2022 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%. | Per the Note on file, the late charge is 5.000%, which exceeds the state maximum of 2%. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2580 | XX | XX | XX |  | 27065001 | 1735437301-2802 | 07/11/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | The initial 1003 was missing from the file. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2580 | XX | XX | XX |  | 27065003 | 1735437301-26039 | 07/11/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2580 | XX | XX | XX |  | 27065004 | 1735437301-7027 | 07/11/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2015 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2580 | XX | XX | XX |  | 27065005 | 1735437301-25821 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2580 | XX | XX | XX |  | 27065006 | 1735437301-2687 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2580 | XX | XX | XX |  | 27065007 | 1735437301-3078 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2580 | XX | XX | XX |  | 27065008 | 1735437301-18363 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | The Initial Loan Application missing from the file. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2580 | XX | XX | XX |  | 27065009 | 1735437301-3136 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | The Initial Loan Application missing from the file. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1905 | XX | XX | XX |  | 27065032 | 1735216163-2802 | 07/11/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1905 | XX | XX | XX |  | 27065036 | 1735216163-26039 | 07/11/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1905 | XX | XX | XX |  | 27065037 | 1735216163-5445 | 07/11/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1905 | XX | XX | XX |  | 27065038 | 1735216163-1330 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1905 | XX | XX | XX |  | 27065039 | 1735216163-2688 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1905 | XX | XX | XX |  | 27065040 | 1735216163-3353 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 1905 | XX | XX | XX |  | 27065041 | 1735216163-18363 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | RESPA Servicing Disclosure is dated 4/XX/2015 and it is not within 3 days of application. |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2889 | XX | XX | XX |  | 27065051 | 1735166750-2802 | 07/11/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No |
| 2889 | XX | XX | XX |  | 27065058 | 1735166750-26039 | 07/11/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No |
| 2889 | XX | XX | XX |  | 27065059 | 1735166750-7027 | 07/11/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2015 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Rate/Term | B | N/A | N/A | No |
| 2852 | XX | XX | XX |  | 27065063 | 1735119491-2684 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | GFE was issued on 04/XX/2015, less than 10 business days from closing date 04/XX/2015. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2852 | XX | XX | XX |  | 27065064 | 1735119491-2687 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | GFE was issued on 04/XX/2015, more than 3 business days from Application date 03/XX/2015. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Limited Cash-out GSE | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2714 | XX | XX | XX |  | 27065078 | 1734926295-2684 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2714 | XX | XX | XX |  | 27065079 | 1734926295-3071 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | There is a $0.03 monthly difference due to rounding of the HOI. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2714 | XX | XX | XX |  | 27065080 | 1734926295-3074 | 07/11/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | There is a $0.03 monthly difference due to rounding of the HOI. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2579 | XX | XX | XX |  | 27065102 | 1735111968-5430 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | GFE reflects a credit of $437.88 in Block 2 and the HUD reflects discount points of $162.36. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2579 | XX | XX | XX |  | 27065103 | 1735111968-5432 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. | GFE reflects a credit of $437.88 in Block A and the HUD reflects a charge of $162.36. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2579 | XX | XX | XX |  | 27065104 | 1735111968-2694 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. | GFE loan amount is $XX and Note loan amount is $XX |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2579 | XX | XX | XX |  | 27065105 | 1735111968-2696 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. | GFE initial payment is $1,049.87 and the actual payment is $1,061.34. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2579 | XX | XX | XX |  | 27065106 | 1735111968-2685 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. | The GFE column on page 3 of the final HUD-1 reflects points of $162.36 and the GFE reflects a credit of $437.88. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2579 | XX | XX | XX |  | 27065107 | 1735111968-2802 | 07/11/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Missing initial 1003 signed by the Borrower and/or Loan Originator. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2046 | XX | XX | XX |  | 27065112 | 1734988107-7087 | 07/11/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2663 | XX | XX | XX |  | 27065119 | 4010625842-25158 | 07/12/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2663 | XX | XX | XX |  | 27065120 | 4010625842-2684 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2663 | XX | XX | XX |  | 27065121 | 4010625842-2696 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2663 | XX | XX | XX |  | 27065122 | 4010625842-3141 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2663 | XX | XX | XX |  | 27065124 | 4010625842-3867 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Missing asset documentation; loan is waterfalling to standard QM/ATR documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | LA | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2178 | XX | XX | XX |  | 27065130 | 1734638356-3934 | 07/12/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2178 | XX | XX | XX |  | 27065131 | 1734638356-25158 | 07/12/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2178 | XX | XX | XX |  | 27065132 | 1734638356-1330 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2178 | XX | XX | XX |  | 27065133 | 1734638356-2688 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2178 | XX | XX | XX |  | 27065134 | 1734638356-3353 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2178 | XX | XX | XX |  | 27065136 | 1734638356-26039 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2178 | XX | XX | XX |  | 27065137 | 1734638356-25030 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Missing AUS; loan is waterfalling to standard QM/ATR documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2178 | XX | XX | XX |  | 27065138 | 1734638356-3867 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Missing AUS; loan is waterfalling to standard QM/ATR documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | VA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2178 | XX | XX | XX |  | 27065139 | 1734638356-1257 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Missing AUS; loan is waterfalling to standard QM/ATR documentation requirements. |  |  |  |  |  |  |  | 3 C | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2178 | XX | XX | XX |  | 27065140 | 1734638356-18363 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | Disclosure not provided within 3 business days of application date. |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2753 | XX | XX | XX |  | 27065144 | 1734481108-26039 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2753 | XX | XX | XX |  | 27065145 | 1734481108-1330 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2753 | XX | XX | XX |  | 27065146 | 1734481108-3071 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2753 | XX | XX | XX |  | 27065147 | 1734481108-3074 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2907 | XX | XX | XX |  | 27065149 | 1734417327-5431 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2907 | XX | XX | XX |  | 27065150 | 1734417327-1330 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2058 | XX | XX | XX |  | 27065179 | 4010458956-26039 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2058 | XX | XX | XX |  | 27065180 | 4010458956-3867 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Due Diligence Loan Designation of Safe Harbor QM due to missing asset documentation |  |  |  |  |  |  |  | 3 C | XX | PA | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2058 | XX | XX | XX |  | 27065181 | 4010458956-18363 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | The RESPA Servicing Disclosure was provided to and signed by the borrower at closing on 09/XX/2014. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2828 | XX | XX | XX |  | 27065195 | 4010545232-2684 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2828 | XX | XX | XX |  | 27065201 | 4010545232-6677 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XX) | Missing verification of two year employment history. |  |  |  |  |  |  |  | 3 C | XX | CA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2828 | XX | XX | XX |  | 27065202 | 4010545232-3867 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | The loan is failing Temp SHQM due to insufficient income and asset documentation. |  |  |  |  |  |  |  | 3 C | XX | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2828 | XX | XX | XX |  | 27065203 | 4010545232-1257 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is failing Temp SHQM and is waterfalling to ATR/QM which allows max dti of 43%. |  |  |  |  |  |  |  | 3 C | XX | CA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 2328 | XX | XX | XX |  | 27065190 | 4010346130-2794 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. | The P&I payment disclosed on the HUD1 is $1,859.45 vs. the actual payment of $1,858.59. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2328 | XX | XX | XX |  | 27065191 | 4010346130-3353 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2740 | XX | XX | XX |  | 27065213 | 4010388786-26039 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2740 | XX | XX | XX |  | 27065214 | 4010388786-7027 | 07/12/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2014 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2740 | XX | XX | XX |  | 27065215 | 4010388786-25821 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2740 | XX | XX | XX |  | 27065216 | 4010388786-2684 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2740 | XX | XX | XX |  | 27065217 | 4010388786-2687 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2740 | XX | XX | XX |  | 27065218 | 4010388786-25677 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2740 | XX | XX | XX |  | 27065219 | 4010388786-3078 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2740 | XX | XX | XX |  | 27065220 | 4010388786-3136 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | The Initial Loan Application Date is missing, the Homeownership Counseling List is dated 6/XX/2014. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2740 | XX | XX | XX |  | 27065221 | 4010388786-2802 | 07/12/2022 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Missing initial 1003 signed and dated by LO with accurate date determining application date. Borrower's LOX attached with initial 1003 stated year signed was meant to be 11/XX/2013, not 2014. However, LO signed 11/XX/2014. Thus, captured as is. Since signed date is after note date of 7/XX/14, marking initial 1003 missing for this reason. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2740 | XX | XX | XX |  | 27065223 | 4010388786-18363 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to determine initial application date since signed date was incorrect noted from LOX. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2740 | XX | XX | XX |  | 27065224 | 4010388786-3867 | 07/12/2022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Loan is not agency saleable due to the source of the gift funds not provided in the loan file |  |  |  |  |  |  |  | 3 C | XX | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM | No |
| 2111 | XX | XX | XX |  | 27065249 | 1734066570-25818 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | The license dates provided on the NMLS data base for the originator does not reflect an active license at the time of origination. |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2111 | XX | XX | XX |  | 27065250 | 1734066570-25824 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. | The license dates provided on the NMLS data base for the originator does not reflect an active license at the time of origination. |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2111 | XX | XX | XX |  | 27065251 | 1734066570-2666 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2014, prior to three (3) business days from transaction date of 05/XX/2014. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2111 | XX | XX | XX |  | 27065252 | 1734066570-2647 | 07/12/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2457 | XX | XX | XX |  | 27065255 | 4010195708-2773 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | The Settlement Service Provider List was not dated, the date the borrower signed the list was used which is the day after the date of the Good Faith Estimate. |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2026 | XX | XX | XX |  | 27065262 | 1734161896-7087 | 07/12/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2035 | XX | XX | XX |  | 27065302 | 1700704263-7027 | 08/02/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1898 | XX | XX | XX |  | 27065315 | 1705574223-7027 | 11/17/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1898 | XX | XX | XX |  | 27065316 | 1705574223-23495 | 11/17/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1898 | XX | XX | XX |  | 27065317 | 1705574223-23494 | 11/17/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 2325 | XX | XX | XX |  | 27065318 | 1706767084-4967 | 11/13/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2325 | XX | XX | XX |  | 27065321 | 1706767084-7027 | 11/13/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2325 | XX | XX | XX |  | 27065322 | 1706767084-4087 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2325 | XX | XX | XX |  | 27065323 | 1706767084-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2325 | XX | XX | XX |  | 27065325 | 1706767084-2659 | 11/13/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $378,228.77 is underdisclosed from calculated Finance Charge of $378,329.81 in the amount of $101.04. | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1993 | XX | XX | XX |  | 27065327 | 1703137613-7027 | 08/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2271 | XX | XX | XX |  | 27065336 | 4005710290-25677 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2271 | XX | XX | XX |  | 27065337 | 4005710290-2666 | 12/03/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2271 | XX | XX | XX |  | 27065338 | 4005710290-2647 | 12/03/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2138 | XX | XX | XX |  | 27065334 | 4005700332-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2152 | XX | XX | XX |  | 27065341 | 4005839238-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2152 | XX | XX | XX |  | 27065342 | 4005839238-25677 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2165 | XX | XX | XX |  | 27065347 | 4005659186-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2888 | XX | XX | XX |  | 27065343 | 1703258814-6576 | 09/14/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Purchase | D |  |  | No |
| 2888 | XX | XX | XX |  | 27065344 | 1703258814-7027 | 09/14/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 2888 | XX | XX | XX |  | 27065345 | 1703258814-4088 | 09/14/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 2426 | XX | XX | XX |  | 27065349 | 1704920910-7027 | 11/13/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 2426 | XX | XX | XX |  | 27065350 | 1704920910-7037 | 11/13/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2894 | XX | XX | XX |  | 27065357 | 350776-733-25677 | 11/05/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2270 | XX | XX | XX |  | 27065359 | 4005415418-3934 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 2270 | XX | XX | XX |  | 27065360 | 4005415418-4967 | 12/15/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 2270 | XX | XX | XX |  | 27065361 | 4005415418-20780 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 2270 | XX | XX | XX |  | 27065362 | 4005415418-6579 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | GA | Primary | Purchase | D |  |  | No |
| 2270 | XX | XX | XX |  | 27065363 | 4005415418-7028 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 2270 | XX | XX | XX |  | 27065364 | 4005415418-3494 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 2497 | XX | XX | XX |  | 27065366 | 1702926350-7027 | 11/09/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2497 | XX | XX | XX |  | 27065367 | 1702926350-1974 | 11/09/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2497 | XX | XX | XX |  | 27065368 | 1702926350-1977 | 11/09/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2497 | XX | XX | XX |  | 27065369 | 1702926350-6589 | 11/09/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2497 | XX | XX | XX |  | 27065370 | 1702926350-2659 | 11/09/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $299,230.45 is underdisclosed from calculated Finance Charge of $299,844.99 in the amount of $614.54. | The under disclosure is due to the following fees included in Finance Charges not included on the Itemization of Amount Financed: Commitment Fee $375 and Funding Fee $20, totals $395. |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2778 | XX | XX | XX |  | 27065371 | 1704056272-25677 | 11/17/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2372 | XX | XX | XX |  | 27065376 | 4005227981-25677 | 12/15/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 2758 | XX | XX | XX |  | 27065374 | 1704072188-5445 | 11/17/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2758 | XX | XX | XX |  | 27065375 | 1704072188-7027 | 11/17/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2681 | XX | XX | XX |  | 27065384 | 4004984057-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Refinance - Rate/Term | B |  |  | No |
| 2681 | XX | XX | XX |  | 27065385 | 4004984057-25677 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Refinance - Rate/Term | B |  |  | No |
| 2163 | XX | XX | XX |  | 27065387 | 4004831648-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2479 | XX | XX | XX |  | 27065390 | 1700194938-5445 | 12/15/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | D |  |  | No |
| 2479 | XX | XX | XX |  | 27065391 | 1700194938-6576 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | IN | Primary | Purchase | D |  |  | No |
| 2479 | XX | XX | XX |  | 27065393 | 1700194938-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | D |  |  | No |
| 2160 | XX | XX | XX |  | 27065394 | 4004560331-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2160 | XX | XX | XX |  | 27065395 | 4004560331-2489 | 01/14/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2160 | XX | XX | XX |  | 27065396 | 4004560331-25688 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2160 | XX | XX | XX |  | 27065397 | 4004560331-6302 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2160 | XX | XX | XX |  | 27065398 | 4004560331-6419 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 6.44600% is underdisclosed from calculated APR of 6.88935% outside of 0.250% tolerance. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2160 | XX | XX | XX |  | 27065399 | 4004560331-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $382,126.94 is underdisclosed from calculated Finance Charge of $422,958.49 in the amount of $40,831.55. | It appears the Lender utilized a lower index at origination than the 3.59% available during the look-back period. |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2407 | XX | XX | XX |  | 27065403 | 1698936480-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2407 | XX | XX | XX |  | 27065404 | 1698936480-2659 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $36,612.98 is underdisclosed from calculated Finance Charge of $36,660.71 in the amount of $47.73. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2236 | XX | XX | XX |  | 27065418 | 1694196856-7037 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2245 | XX | XX | XX |  | 27065406 | 4003410085-3934 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | UTD - UTD | D |  |  | No |
| 2245 | XX | XX | XX |  | 27065407 | 4003410085-18330 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | UTD - UTD | D |  |  | No |
| 2245 | XX | XX | XX |  | 27065409 | 4003410085-20780 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | UTD - UTD | D |  |  | No |
| 2245 | XX | XX | XX |  | 27065410 | 4003410085-6579 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | GA | UTD | UTD - UTD | D |  |  | No |
| 2245 | XX | XX | XX |  | 27065411 | 4003410085-7028 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | UTD - UTD | D |  |  | No |
| 2245 | XX | XX | XX |  | 27065412 | 4003410085-22137 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | UTD - UTD | D |  |  | No |
| 2245 | XX | XX | XX |  | 27065413 | 4003410085-7037 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2245 | XX | XX | XX |  | 27065414 | 4003410085-3494 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | UTD - UTD | D |  |  | No |
| 2245 | XX | XX | XX |  | 27065415 | 4003410085-4967 | 12/22/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | UTD - UTD | D |  |  | No |
| 1926 | XX | XX | XX |  | 27065425 | 1693409488-7039 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2678 | XX | XX | XX | XX | 27065431 | 1698050744-5445 | 12/15/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Purchase | B |  |  | No |
| 2107 | XX | XX | XX |  | 27065432 | 4003511973-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2107 | XX | XX | XX |  | 27065433 | 4003511973-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2633 | XX | XX | XX |  | 27065435 | 4003355725-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 2367 | XX | XX | XX |  | 27065445 | 4003304321-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 2584 | XX | XX | XX |  | 27065446 | 4003342920-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $184,434.22 is underdisclosed from calculated Finance Charge of $184,744.01 in the amount of $309.79. | The TIL itemization did not disclose a settlement fee of $365, but did include a credit report fee of $55 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2243 | XX | XX | XX |  | 27065447 | 4003298838-3494 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2265 | XX | XX | XX |  | 27065448 | 4003342985-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2265 | XX | XX | XX |  | 27065449 | 4003342985-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2368 | XX | XX | XX |  | 27065458 | 4003220140-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 2368 | XX | XX | XX |  | 27065460 | 4003220140-3934 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 2368 | XX | XX | XX |  | 27065461 | 4003220140-20780 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 2368 | XX | XX | XX |  | 27065462 | 4003220140-6579 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | AL | Primary | Purchase | D |  |  | No |
| 2368 | XX | XX | XX |  | 27065463 | 4003220140-7028 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 2368 | XX | XX | XX |  | 27065464 | 4003220140-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 2128 | XX | XX | XX |  | 27065466 | 4003292100-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2128 | XX | XX | XX |  | 27065467 | 4003292100-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2595 | XX | XX | XX |  | 27065468 | 4003197104-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $247,723.01 is underdisclosed from calculated Finance Charge of $247,867.90 in the amount of $144.89. | TIL Itemization did not disclose $275.00 Settlement Fee as a Prepaid Finance Charge. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2361 | XX | XX | XX |  | 27065469 | 4003158859-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2369 | XX | XX | XX |  | 27065480 | 4003061658-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 2411 | XX | XX | XX |  | 27065481 | 4003032865-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2256 | XX | XX | XX |  | 27065483 | 4003062097-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2450 | XX | XX | XX |  | 27065486 | 4003062011-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2450 | XX | XX | XX |  | 27065487 | 4003062011-3934 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2696 | XX | XX | XX |  | 27065484 | 4003087552-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2306 | XX | XX | XX |  | 27065499 | 4002930900-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2703 | XX | XX | XX |  | 27065504 | 4002764541-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2703 | XX | XX | XX |  | 27065505 | 4002764541-25677 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2413 | XX | XX | XX |  | 27065507 | 4002593654-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $88,825.33 is underdisclosed from calculated Finance Charge of $89,065.45 in the amount of $240.12. | Unable to determine reason for under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2413 | XX | XX | XX |  | 27065508 | 4002593654-3928 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2067 | XX | XX | XX |  | 27065521 | 1731698899-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2067 | XX | XX | XX |  | 27065522 | 1731698899-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2067 | XX | XX | XX |  | 27065523 | 1731698899-28193 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2067 | XX | XX | XX |  | 27065524 | 1731698899-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2067 | XX | XX | XX |  | 27065525 | 1731698899-2687 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2067 | XX | XX | XX |  | 27065526 | 1731698899-2691 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2067 | XX | XX | XX |  | 27065527 | 1731698899-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2067 | XX | XX | XX |  | 27065528 | 1731698899-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2067 | XX | XX | XX |  | 27065529 | 1731698899-2706 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2067 | XX | XX | XX |  | 27065530 | 1731698899-25677 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2067 | XX | XX | XX |  | 27065531 | 1731698899-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2067 | XX | XX | XX |  | 27065532 | 1731698899-18362 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2067 | XX | XX | XX |  | 27065533 | 1731698899-3078 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2775 | XX | XX | XX |  | 27065544 | 1730400122-770 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | B |  |  | No |
| 2775 | XX | XX | XX |  | 27065545 | 1730400122-5445 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | B |  |  | No |
| 2775 | XX | XX | XX |  | 27065546 | 1730400122-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | B |  |  | No |
| 2775 | XX | XX | XX |  | 27065547 | 1730400122-5430 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2775 | XX | XX | XX |  | 27065548 | 1730400122-5432 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2775 | XX | XX | XX |  | 27065549 | 1730400122-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | B |  |  | No |
| 2775 | XX | XX | XX |  | 27065550 | 1730400122-2692 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | B |  |  | No |
| 2775 | XX | XX | XX |  | 27065551 | 1730400122-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | B |  |  | No |
| 2775 | XX | XX | XX |  | 27065552 | 1730400122-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | B |  |  | No |
| 2775 | XX | XX | XX |  | 27065553 | 1730400122-4087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | B |  |  | No |
| 2775 | XX | XX | XX |  | 27065554 | 1730400122-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | B |  |  | No |
| 2775 | XX | XX | XX |  | 27065555 | 1730400122-3063 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | B |  |  | No |
| 2775 | XX | XX | XX |  | 27065556 | 1730400122-6223 | 01/14/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) | Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | B |  |  | No |
| 2775 | XX | XX | XX |  | 27065557 | 1730400122-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1974 | XX | XX | XX |  | 27065577 | 1709251426-4087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2162 | XX | XX | XX |  | 27065581 | 4005849093-25686 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2162 | XX | XX | XX |  | 27065582 | 4005849093-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $305,799.47 is underdisclosed from calculated Finance Charge of $334,676.02 in the amount of $28,876.55. | Under disclosure is payment stream related due to index and Low Down Payment Rider; minimum index available within the lookback period used for testing purposes. |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2162 | XX | XX | XX |  | 27065583 | 4005849093-611 | 01/14/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2162 | XX | XX | XX |  | 27065584 | 4005849093-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2162 | XX | XX | XX |  | 27065585 | 4005849093-6306 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2848 | XX | XX | XX |  | 27065586 | 1705962477-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2794 | XX | XX | XX |  | 27065595 | 1733392408-2713 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2471 | XX | XX | XX |  | 27065587 | 1733392411-2687 | 06/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2471 | XX | XX | XX |  | 27065588 | 1733392411-2696 | 06/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2471 | XX | XX | XX |  | 27065589 | 1733392411-4087 | 06/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2471 | XX | XX | XX |  | 27065590 | 1733392411-25677 | 06/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2471 | XX | XX | XX |  | 27065591 | 1733392411-3070 | 06/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2471 | XX | XX | XX |  | 27065592 | 1733392411-3140 | 06/10/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application. | Application date on 1003 is 7/XX/13. |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2471 | XX | XX | XX |  | 27065593 | 1733392411-3071 | 06/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2471 | XX | XX | XX |  | 27065594 | 1733392411-3074 | 06/10/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2620 | XX | XX | XX |  | 27065598 | 1714823099-4967 | 05/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | UTD | UTD - UTD | D |  |  | No |
| 2620 | XX | XX | XX |  | 27065600 | 1714823099-3934 | 05/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | UTD | UTD - UTD | D |  |  | No |
| 2620 | XX | XX | XX |  | 27065601 | 1714823099-18330 | 05/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | UTD | UTD - UTD | D |  |  | No |
| 2620 | XX | XX | XX |  | 27065603 | 1714823099-25158 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | UTD | UTD - UTD | D |  |  | No |
| 2620 | XX | XX | XX |  | 27065604 | 1714823099-20780 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2011 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | UTD | UTD - UTD | D |  |  | No |
| 2620 | XX | XX | XX |  | 27065605 | 1714823099-6579 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | IL | UTD | UTD - UTD | D |  |  | No |
| 2620 | XX | XX | XX |  | 27065606 | 1714823099-7028 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | UTD | UTD - UTD | D |  |  | No |
| 2620 | XX | XX | XX |  | 27065607 | 1714823099-5334 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  |  | 2 B | XX | IL | UTD | UTD - UTD | D |  |  | No |
| 2620 | XX | XX | XX |  | 27065608 | 1714823099-28193 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | UTD | UTD - UTD | D |  |  | No |
| 2620 | XX | XX | XX |  | 27065609 | 1714823099-3063 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | IL | UTD | UTD - UTD | D |  |  | No |
| 2620 | XX | XX | XX |  | 27065610 | 1714823099-2688 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | IL | UTD | UTD - UTD | D |  |  | No |
| 2620 | XX | XX | XX |  | 27065611 | 1714823099-3353 | 05/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | UTD | UTD - UTD | D |  |  | No |
| 2620 | XX | XX | XX |  | 27065612 | 1714823099-7037 | 05/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | IL | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2620 | XX | XX | XX |  | 27065613 | 1714823099-3494 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IL | UTD | UTD - UTD | D |  |  | No |
| 2697 | XX | XX | XX |  | 27065625 | 1716615190-3071 | 05/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2697 | XX | XX | XX |  | 27065626 | 1716615190-3074 | 05/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2444 | XX | XX | XX |  | 27065627 | 1714492866-2684 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2425 | XX | XX | XX |  | 27065629 | 4007627193-4967 | 08/03/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | UTD - UTD | D |  |  | No |
| 2425 | XX | XX | XX |  | 27065631 | 4007627193-3934 | 08/03/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | UTD - UTD | D |  |  | No |
| 2425 | XX | XX | XX |  | 27065633 | 4007627193-6579 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MS | Primary | UTD - UTD | D |  |  | No |
| 2425 | XX | XX | XX |  | 27065634 | 4007627193-7028 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | UTD - UTD | D |  |  | No |
| 2425 | XX | XX | XX |  | 27065635 | 4007627193-7037 | 08/03/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. Unable to determine if the loan is subject to rescission due to missing information (unable to determine construction refinance type). |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2425 | XX | XX | XX |  | 27065636 | 4007627193-3494 | 08/03/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | UTD - UTD | D |  |  | No |
| 2543 | XX | XX | XX |  | 27065637 | 1712045690-25158 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 2543 | XX | XX | XX |  | 27065638 | 1712045690-2692 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 2543 | XX | XX | XX |  | 27065639 | 1712045690-2696 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 2543 | XX | XX | XX |  | 27065640 | 1712045690-2773 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 2543 | XX | XX | XX |  | 27065641 | 1712045690-3067 | 05/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA Pre-Disclosure Activity - Fees collected prior to TIL disclosure | Truth in Lending Act (Early TIL Disclosure): Fees, other than for a credit report, charged before early TIL disclosure received by borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 2543 | XX | XX | XX |  | 27065642 | 1712045690-3141 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 2083 | XX | XX | XX |  | 27065643 | 1707435759-611 | 05/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2261 | XX | XX | XX |  | 27065652 | 1705792461-4967 | 05/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 2261 | XX | XX | XX |  | 27065654 | 1705792461-3934 | 05/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 2261 | XX | XX | XX |  | 27065656 | 1705792461-6579 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | GA | Primary | Purchase | D |  |  | No |
| 2261 | XX | XX | XX |  | 27065657 | 1705792461-7028 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 2261 | XX | XX | XX |  | 27065658 | 1705792461-3494 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 2172 | XX | XX | XX |  | 27065659 | 1704989969-7027 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2241 | XX | XX | XX |  | 27065660 | 1704660379-7027 | 05/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2241 | XX | XX | XX |  | 27065661 | 1704660379-25677 | 05/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2262 | XX | XX | XX |  | 27065664 | 4005520404-3928 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2262 | XX | XX | XX |  | 27065665 | 4005520404-4087 | 06/17/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2262 | XX | XX | XX |  | 27065667 | 4005520404-4967 | 06/17/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2262 | XX | XX | XX |  | 27065668 | 4005520404-23038 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2401 | XX | XX | XX |  | 27065695 | 1703012796-3934 | 06/17/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2401 | XX | XX | XX |  | 27065697 | 1703012796-5445 | 06/17/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2401 | XX | XX | XX |  | 27065698 | 1703012796-7027 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2401 | XX | XX | XX |  | 27065699 | 1703012796-3494 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2401 | XX | XX | XX |  | 27065700 | 1703012796-23038 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2401 | XX | XX | XX |  | 27065701 | 1703012796-4967 | 06/17/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2448 | XX | XX | XX |  | 27065703 | 4005262985-20729 | 07/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2448 | XX | XX | XX |  | 27065704 | 4005262985-2210 | 07/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2448 | XX | XX | XX |  | 27065705 | 4005262985-2214 | 07/12/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1973 | XX | XX | XX |  | 27065709 | 1701920858-611 | 06/17/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 2105 | XX | XX | XX |  | 27065711 | 4004962374-5791 | 06/24/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Investment | Purchase | B |  |  | No |
| 1891 | XX | XX | XX |  | 27065713 | 1701622795-5445 | 06/17/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1891 | XX | XX | XX |  | 27065714 | 1701622795-7027 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1891 | XX | XX | XX |  | 27065715 | 1701622795-7037 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1891 | XX | XX | XX |  | 27065716 | 1701622795-3494 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1891 | XX | XX | XX |  | 27065717 | 1701622795-4967 | 06/17/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1891 | XX | XX | XX |  | 27065719 | 1701622795-3934 | 06/17/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2564 | XX | XX | XX |  | 27065758 | 1699316873-7027 | 06/17/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2564 | XX | XX | XX |  | 27065759 | 1699316873-7037 | 06/17/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2564 | XX | XX | XX |  | 27065761 | 1699316873-3934 | 06/17/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2357 | XX | XX | XX |  | 27065767 | 4004362292-4967 | 06/24/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2357 | XX | XX | XX |  | 27065769 | 4004362292-18330 | 06/24/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2357 | XX | XX | XX |  | 27065771 | 4004362292-3934 | 06/24/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2357 | XX | XX | XX |  | 27065772 | 4004362292-20780 | 06/24/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2357 | XX | XX | XX |  | 27065773 | 4004362292-6579 | 06/24/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | UTD | Purchase | D |  |  | No |
| 2357 | XX | XX | XX |  | 27065774 | 4004362292-7028 | 06/24/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2357 | XX | XX | XX |  | 27065775 | 4004362292-23038 | 06/24/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2357 | XX | XX | XX |  | 27065776 | 4004362292-3494 | 06/24/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2783 | XX | XX | XX |  | 27065779 | 4004321108-4967 | 06/24/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Purchase | B |  |  | No |
| 1942 | XX | XX | XX |  | 27065805 | 1703709012-25677 | 06/30/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1971 | XX | XX | XX |  | 27065813 | 4003909070-4087 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1971 | XX | XX | XX |  | 27065814 | 4003909070-28241 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1991 | XX | XX | XX |  | 27065817 | 4003934457-25677 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1991 | XX | XX | XX |  | 27065818 | 4003934457-6302 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1991 | XX | XX | XX |  | 27065819 | 4003934457-2659 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $253,812.46 is underdisclosed from calculated Finance Charge of $254,090.71 in the amount of $278.25. | Unable to determine under disclosure due to missing amortization schedule. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1991 | XX | XX | XX |  | 27065821 | 4003934457-25688 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1968 | XX | XX | XX |  | 27065822 | 4003903786-4967 | 07/12/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1968 | XX | XX | XX |  | 27065825 | 4003903786-25677 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1968 | XX | XX | XX |  | 27065826 | 4003903786-25686 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1968 | XX | XX | XX |  | 27065827 | 4003903786-6302 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1982 | XX | XX | XX |  | 27065828 | 1694863659-24490 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1967 | XX | XX | XX |  | 27065832 | 4003790985-4087 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1967 | XX | XX | XX |  | 27065833 | 4003790985-25677 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1967 | XX | XX | XX |  | 27065834 | 4003790985-28241 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1967 | XX | XX | XX |  | 27065835 | 4003790985-2647 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2466 | XX | XX | XX |  | 27065836 | 4003206522-4967 | 06/30/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2466 | XX | XX | XX |  | 27065838 | 4003206522-3934 | 06/30/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2466 | XX | XX | XX |  | 27065840 | 4003206522-611 | 06/30/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2466 | XX | XX | XX |  | 27065841 | 4003206522-613 | 06/30/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2509 | XX | XX | XX |  | 27065842 | 1689891014-7027 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2509 | XX | XX | XX |  | 27065843 | 1689891014-1973 | 06/30/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2509 | XX | XX | XX |  | 27065844 | 1689891014-1976 | 06/30/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2509 | XX | XX | XX |  | 27065845 | 1689891014-6589 | 06/30/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2509 | XX | XX | XX |  | 27065846 | 1689891014-22050 | 06/30/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2509 | XX | XX | XX |  | 27065847 | 1689891014-3494 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2509 | XX | XX | XX |  | 27065848 | 1689891014-3934 | 06/30/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2206 | XX | XX | XX |  | 27065849 | 4003643128-3928 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 2206 | XX | XX | XX |  | 27065850 | 4003643128-4087 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1988 | XX | XX | XX |  | 27065851 | 4003608068-6576 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NJ | Primary | Purchase | D |  |  | No |
| 1978 | XX | XX | XX |  | 27065864 | 1688214860-3934 | 07/12/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1978 | XX | XX | XX |  | 27065865 | 1688214860-4087 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1978 | XX | XX | XX |  | 27065866 | 1688214860-25677 | 07/12/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1936 | XX | XX | XX |  | 27065879 | 4002946460-4967 | 06/30/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1936 | XX | XX | XX |  | 27065881 | 4002946460-3934 | 06/30/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1936 | XX | XX | XX |  | 27065882 | 4002946460-7027 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1936 | XX | XX | XX |  | 27065883 | 4002946460-25686 | 06/30/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1936 | XX | XX | XX |  | 27065884 | 4002946460-6302 | 06/30/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1936 | XX | XX | XX |  | 27065885 | 4002946460-28241 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1936 | XX | XX | XX |  | 27065886 | 4002946460-22050 | 06/30/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1936 | XX | XX | XX |  | 27065887 | 4002946460-3494 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1934 | XX | XX | XX |  | 27065904 | 4002001396-18330 | 07/12/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | Purchase | D |  |  | No |
| 1934 | XX | XX | XX |  | 27065905 | 4002001396-3934 | 07/12/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | Purchase | D |  |  | No |
| 1934 | XX | XX | XX |  | 27065906 | 4002001396-20780 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | Purchase | D |  |  | No |
| 1934 | XX | XX | XX |  | 27065907 | 4002001396-3494 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | Purchase | D |  |  | No |
| 1934 | XX | XX | XX |  | 27065908 | 4002001396-6579 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NJ | UTD | Purchase | D |  |  | No |
| 1934 | XX | XX | XX |  | 27065909 | 4002001396-7028 | 07/12/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | Purchase | D |  |  | No |
| 1934 | XX | XX | XX |  | 27065910 | 4002001396-25686 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | Purchase | No Defined Cure |  |  | No |
| 1934 | XX | XX | XX |  | 27065911 | 4002001396-6302 | 07/12/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | Purchase | No Defined Cure |  |  | No |
| 1934 | XX | XX | XX |  | 27065912 | 4002001396-4967 | 07/12/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | UTD | Purchase | D |  |  | No |
| 2209 | XX | XX | XX |  | 27065922 | 1676045476-4967 | 07/28/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - UTD | D |  |  | No |
| 2209 | XX | XX | XX |  | 27065924 | 1676045476-3934 | 07/28/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - UTD | D |  |  | No |
| 2209 | XX | XX | XX |  | 27065925 | 1676045476-20780 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2000 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - UTD | D |  |  | No |
| 2209 | XX | XX | XX |  | 27065926 | 1676045476-6579 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NC | Primary | Refinance - UTD | D |  |  | No |
| 2209 | XX | XX | XX |  | 27065927 | 1676045476-7028 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - UTD | D |  |  | No |
| 2209 | XX | XX | XX |  | 27065928 | 1676045476-7037 | 07/28/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2209 | XX | XX | XX |  | 27065929 | 1676045476-3494 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - UTD | D |  |  | No |
| 2800 | XX | XX | XX |  | 27065931 | 1677717617-4967 | 07/28/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | D |  |  | No |
| 2800 | XX | XX | XX |  | 27065933 | 1677717617-3934 | 07/28/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | D |  |  | No |
| 2800 | XX | XX | XX |  | 27065934 | 1677717617-18330 | 07/28/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | D |  |  | No |
| 2800 | XX | XX | XX |  | 27065935 | 1677717617-20780 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | D |  |  | No |
| 2800 | XX | XX | XX |  | 27065936 | 1677717617-6579 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | AZ | UTD | Purchase | D |  |  | No |
| 2800 | XX | XX | XX |  | 27065937 | 1677717617-7028 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | D |  |  | No |
| 2800 | XX | XX | XX |  | 27065938 | 1677717617-23038 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | D |  |  | No |
| 2800 | XX | XX | XX |  | 27065939 | 1677717617-3494 | 07/28/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | D |  |  | No |
| 2104 | XX | XX | XX |  | 27065941 | 1666542714-4967 | 06/30/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2104 | XX | XX | XX |  | 27065944 | 1666542714-3934 | 06/30/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2104 | XX | XX | XX |  | 27065945 | 1666542714-7027 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2104 | XX | XX | XX |  | 27065946 | 1666542714-23038 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2104 | XX | XX | XX |  | 27065947 | 1666542714-3494 | 06/30/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2545 | XX | XX | XX |  | 27065985 | 1695075791-4087 | 01/29/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 2545 | XX | XX | XX |  | 27065986 | 1695075791-25677 | 01/29/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 2514 | XX | XX | XX |  | 27065993 | 4005056464-4087 | 01/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2514 | XX | XX | XX |  | 27065994 | 4005056464-4967 | 02/03/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2065 | XX | XX | XX |  | 27065999 | 1700257938-3928 | 01/29/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2065 | XX | XX | XX |  | 27066000 | 1700257938-4087 | 01/29/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2374 | XX | XX | XX |  | 27066018 | 1676113699-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Second Home | Purchase | B |  |  | No |
| 2374 | XX | XX | XX |  | 27066019 | 1676113699-20780 | 12/17/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Second Home | Purchase | B |  |  | No |
| 2547 | XX | XX | XX |  | 27066037 | 1706649459-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2547 | XX | XX | XX |  | 27066038 | 1706649459-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2504 | XX | XX | XX |  | 27066054 | 1731184636-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2504 | XX | XX | XX |  | 27066055 | 1731184636-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2504 | XX | XX | XX |  | 27066056 | 1731184636-5440 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | No |
| 2504 | XX | XX | XX |  | 27066057 | 1731184636-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2504 | XX | XX | XX |  | 27066058 | 1731184636-2692 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2504 | XX | XX | XX |  | 27066059 | 1731184636-3063 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2504 | XX | XX | XX |  | 27066060 | 1731184636-1973 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2504 | XX | XX | XX |  | 27066061 | 1731184636-1976 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2504 | XX | XX | XX |  | 27066062 | 1731184636-6589 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2504 | XX | XX | XX |  | 27066063 | 1731184636-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $88,541.40 is underdisclosed from calculated Finance Charge of $88,777.77 in the amount of $236.37. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2504 | XX | XX | XX |  | 27066064 | 1731184636-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2781 | XX | XX | XX |  | 27066046 | 1681821110-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - UTD | D |  |  | No |
| 2781 | XX | XX | XX |  | 27066047 | 1681821110-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | UT | Primary | Refinance - UTD | D |  |  | No |
| 2781 | XX | XX | XX |  | 27066048 | 1681821110-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - UTD | D |  |  | No |
| 2781 | XX | XX | XX |  | 27066049 | 1681821110-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2781 | XX | XX | XX |  | 27066050 | 1681821110-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - UTD | D |  |  | No |
| 2781 | XX | XX | XX |  | 27066051 | 1681821110-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - UTD | D |  |  | No |
| 2544 | XX | XX | XX |  | 27066072 | 1705095103-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 2400 | XX | XX | XX |  | 27066084 | 1704657862-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2400 | XX | XX | XX |  | 27066086 | 1704657862-7040 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1917 | XX | XX | XX |  | 27066090 | 1705392459-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 2570 | XX | XX | XX |  | 27066117 | 1716390225-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | D |  |  | No |
| 2570 | XX | XX | XX |  | 27066119 | 1716390225-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | D |  |  | No |
| 2570 | XX | XX | XX |  | 27066120 | 1716390225-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2012 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | D |  |  | No |
| 2570 | XX | XX | XX |  | 27066121 | 1716390225-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MN | Primary | Refinance - Rate/Term | D |  |  | No |
| 2570 | XX | XX | XX |  | 27066122 | 1716390225-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | D |  |  | No |
| 2570 | XX | XX | XX |  | 27066123 | 1716390225-28193 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | D |  |  | No |
| 2570 | XX | XX | XX |  | 27066124 | 1716390225-18362 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | D |  |  | No |
| 2570 | XX | XX | XX |  | 27066125 | 1716390225-2688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | D |  |  | No |
| 2570 | XX | XX | XX |  | 27066126 | 1716390225-20735 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | D |  |  | No |
| 2570 | XX | XX | XX |  | 27066127 | 1716390225-1992 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | D |  |  | No |
| 2570 | XX | XX | XX |  | 27066128 | 1716390225-3353 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | D |  |  | No |
| 2570 | XX | XX | XX |  | 27066129 | 1716390225-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2570 | XX | XX | XX |  | 27066130 | 1716390225-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | D |  |  | No |
| 2524 | XX | XX | XX |  | 27066138 | 4005929760-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2524 | XX | XX | XX |  | 27066139 | 4005929760-1974 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2524 | XX | XX | XX |  | 27066140 | 4005929760-1977 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2524 | XX | XX | XX |  | 27066141 | 4005929760-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $200,236.71 is underdisclosed from calculated Finance Charge of $200,613.79 in the amount of $377.08. | TIL itemization disclosed prepaid interest of $110.28, however the HUD-1 shows the actual prepaid interest charged was $27.57. |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2287 | XX | XX | XX |  | 27066147 | 4005772825-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2287 | XX | XX | XX |  | 27066148 | 4005772825-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $406,466.00 is underdisclosed from calculated Finance Charge of $406,998.61 in the amount of $532.61. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2625 | XX | XX | XX |  | 27066150 | 1701896808-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2625 | XX | XX | XX |  | 27066151 | 1701896808-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2625 | XX | XX | XX |  | 27066152 | 1701896808-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2625 | XX | XX | XX |  | 27066153 | 1701896808-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2161 | XX | XX | XX |  | 27066164 | 1716875899-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2161 | XX | XX | XX |  | 27066165 | 1716875899-5437 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2161 | XX | XX | XX |  | 27066166 | 1716875899-5429 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 801) Without Cure | RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2161 | XX | XX | XX |  | 27066167 | 1716875899-5432 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2161 | XX | XX | XX |  | 27066168 | 1716875899-2687 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2161 | XX | XX | XX |  | 27066169 | 1716875899-2692 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2161 | XX | XX | XX |  | 27066170 | 1716875899-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2161 | XX | XX | XX |  | 27066171 | 1716875899-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2161 | XX | XX | XX |  | 27066172 | 1716875899-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2161 | XX | XX | XX |  | 27066173 | 1716875899-18362 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2161 | XX | XX | XX |  | 27066174 | 1716875899-3078 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2161 | XX | XX | XX |  | 27066175 | 1716875899-3140 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application. | Unable to determine due to missing initial application |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2589 | XX | XX | XX |  | 27066188 | 1733266960-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2589 | XX | XX | XX |  | 27066189 | 1733266960-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2482 | XX | XX | XX |  | 27066191 | 1703756292-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2482 | XX | XX | XX |  | 27066192 | 1703756292-2666 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2365 | XX | XX | XX |  | 27066195 | 1706109046-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | D |  |  | No |
| 2365 | XX | XX | XX |  | 27066196 | 1706109046-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | D |  |  | No |
| 2365 | XX | XX | XX |  | 27066198 | 1706109046-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | D |  |  | No |
| 2365 | XX | XX | XX |  | 27066199 | 1706109046-25686 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | No Defined Cure |  |  | No |
| 2365 | XX | XX | XX |  | 27066200 | 1706109046-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | No Defined Cure |  |  | No |
| 2365 | XX | XX | XX |  | 27066201 | 1706109046-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2365 | XX | XX | XX |  | 27066202 | 1706109046-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | D |  |  | No |
| 2365 | XX | XX | XX |  | 27066203 | 1706109046-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | D |  |  | No |
| 2365 | XX | XX | XX |  | 27066204 | 1706109046-31485 | 07/18/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | AL | Primary | Refinance - Rate/Term | D |  |  | No |
| 2893 | XX | XX | XX |  | 27066214 | 1698497207-2666 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2893 | XX | XX | XX |  | 27066215 | 1698497207-6576 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2638 | XX | XX | XX |  | 27066217 | 1705765456-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 2638 | XX | XX | XX |  | 27066218 | 1705765456-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 2680 | XX | XX | XX |  | 27066226 | 1694163159-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Purchase | No Defined Cure B |  |  | No |
| 2680 | XX | XX | XX |  | 27066227 | 1694163159-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Purchase | No Defined Cure B |  |  | No |
| 2121 | XX | XX | XX |  | 27066229 | 1730961532-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2121 | XX | XX | XX |  | 27066230 | 1730961532-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2121 | XX | XX | XX |  | 27066231 | 1730961532-5431 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2121 | XX | XX | XX |  | 27066232 | 1730961532-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2121 | XX | XX | XX |  | 27066233 | 1730961532-2685 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2121 | XX | XX | XX |  | 27066234 | 1730961532-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2121 | XX | XX | XX |  | 27066235 | 1730961532-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2121 | XX | XX | XX |  | 27066236 | 1730961532-3063 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2121 | XX | XX | XX |  | 27066237 | 1730961532-1859 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2121 | XX | XX | XX |  | 27066238 | 1730961532-4180 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2121 | XX | XX | XX |  | 27066239 | 1730961532-20744 | 07/20/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2121 | XX | XX | XX |  | 27066240 | 1730961532-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2685 | XX | XX | XX |  | 27066245 | 1716877767-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 2685 | XX | XX | XX |  | 27066247 | 1716877767-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 2685 | XX | XX | XX |  | 27066249 | 1716877767-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 2685 | XX | XX | XX |  | 27066250 | 1716877767-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2012 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 2685 | XX | XX | XX |  | 27066251 | 1716877767-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 2685 | XX | XX | XX |  | 27066252 | 1716877767-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 2685 | XX | XX | XX |  | 27066253 | 1716877767-5334 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 2685 | XX | XX | XX |  | 27066254 | 1716877767-28193 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 2685 | XX | XX | XX |  | 27066255 | 1716877767-3063 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 2685 | XX | XX | XX |  | 27066256 | 1716877767-2688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 2685 | XX | XX | XX |  | 27066257 | 1716877767-3353 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 2685 | XX | XX | XX |  | 27066258 | 1716877767-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2685 | XX | XX | XX |  | 27066259 | 1716877767-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 2685 | XX | XX | XX |  | 27066260 | 1716877767-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - UTD | D |  |  | No |
| 2571 | XX | XX | XX |  | 27066264 | 4005227800-4087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | B |  |  | No |
| 2571 | XX | XX | XX |  | 27066266 | 4005227800-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | B |  |  | No |
| 2571 | XX | XX | XX |  | 27066267 | 4005227800-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | B |  |  | No |
| 2025 | XX | XX | XX |  | 27066273 | 1700858532-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2010 | XX | XX | XX |  | 27066305 | 4005804595-25158 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2010 | XX | XX | XX |  | 27066306 | 4005804595-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2640 | XX | XX | XX |  | 27066308 | 1697432034-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2640 | XX | XX | XX |  | 27066309 | 1697432034-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2640 | XX | XX | XX |  | 27066310 | 1697432034-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2640 | XX | XX | XX |  | 27066311 | 1697432034-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2867 | XX | XX | XX |  | 27066312 | 1704058194-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2867 | XX | XX | XX |  | 27066313 | 1704058194-6576 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2523 | XX | XX | XX |  | 27066336 | 1683891313-4967 | 07/20/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | Refinance - UTD | D |  |  | No |
| 2523 | XX | XX | XX |  | 27066338 | 1683891313-18330 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | Refinance - UTD | D |  |  | No |
| 2523 | XX | XX | XX |  | 27066339 | 1683891313-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | Refinance - UTD | D |  |  | No |
| 2523 | XX | XX | XX |  | 27066340 | 1683891313-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | Refinance - UTD | D |  |  | No |
| 2523 | XX | XX | XX |  | 27066341 | 1683891313-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MI | UTD | Refinance - UTD | D |  |  | No |
| 2523 | XX | XX | XX |  | 27066342 | 1683891313-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | Refinance - UTD | D |  |  | No |
| 2523 | XX | XX | XX |  | 27066343 | 1683891313-23038 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | Refinance - UTD | D |  |  | No |
| 2523 | XX | XX | XX |  | 27066344 | 1683891313-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2523 | XX | XX | XX |  | 27066345 | 1683891313-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | Refinance - UTD | D |  |  | No |
| 2020 | XX | XX | XX |  | 27066351 | 1704287224-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2833 | XX | XX | XX |  | 27066355 | 1703423283-6576 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2833 | XX | XX | XX |  | 27066356 | 1703423283-25688 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 2833 | XX | XX | XX |  | 27066357 | 1703423283-6302 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 2679 | XX | XX | XX |  | 27066369 | 1694025566-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AR | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2679 | XX | XX | XX |  | 27066370 | 1694025566-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2679 | XX | XX | XX |  | 27066371 | 1694025566-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2045 | XX | XX | XX |  | 27066397 | 1707753121-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2045 | XX | XX | XX |  | 27066398 | 1707753121-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2373 | XX | XX | XX |  | 27066401 | 1701626275-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 2798 | XX | XX | XX |  | 27066402 | 1731199797-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2798 | XX | XX | XX |  | 27066403 | 1731199797-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2798 | XX | XX | XX |  | 27066404 | 1731199797-6514 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2798 | XX | XX | XX |  | 27066405 | 1731199797-5430 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2798 | XX | XX | XX |  | 27066406 | 1731199797-5432 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2798 | XX | XX | XX |  | 27066407 | 1731199797-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2798 | XX | XX | XX |  | 27066408 | 1731199797-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2798 | XX | XX | XX |  | 27066409 | 1731199797-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2798 | XX | XX | XX |  | 27066410 | 1731199797-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2798 | XX | XX | XX |  | 27066411 | 1731199797-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2798 | XX | XX | XX |  | 27066412 | 1731199797-3071 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2798 | XX | XX | XX |  | 27066413 | 1731199797-3074 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2798 | XX | XX | XX |  | 27066414 | 1731199797-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2259 | XX | XX | XX |  | 27066428 | 1701097077-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2259 | XX | XX | XX |  | 27066429 | 1701097077-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2278 | XX | XX | XX |  | 27066434 | 1731364159-5440 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | No |
| 2278 | XX | XX | XX |  | 27066435 | 1731364159-5430 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2278 | XX | XX | XX |  | 27066436 | 1731364159-5432 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2278 | XX | XX | XX |  | 27066437 | 1731364159-2687 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2278 | XX | XX | XX |  | 27066438 | 1731364159-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2278 | XX | XX | XX |  | 27066439 | 1731364159-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2278 | XX | XX | XX |  | 27066440 | 1731364159-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2278 | XX | XX | XX |  | 27066441 | 1731364159-18362 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2278 | XX | XX | XX |  | 27066442 | 1731364159-3078 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2278 | XX | XX | XX |  | 27066443 | 1731364159-22137 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2278 | XX | XX | XX |  | 27066444 | 1731364159-7039 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2635 | XX | XX | XX |  | 27066448 | 1697112477-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2637 | XX | XX | XX |  | 27066459 | 1703147829-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 2637 | XX | XX | XX |  | 27066460 | 1703147829-25677 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 2088 | XX | XX | XX |  | 27066461 | 1694072882-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2088 | XX | XX | XX |  | 27066462 | 1694072882-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2182 | XX | XX | XX |  | 27066469 | 1731548940-2684 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2182 | XX | XX | XX |  | 27066470 | 1731548940-3070 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2182 | XX | XX | XX |  | 27066471 | 1731548940-7087 | 07/20/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2112 | XX | XX | XX |  | 27066497 | 1701242499-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | B |  |  | No |
| 2112 | XX | XX | XX |  | 27066498 | 1701242499-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | B |  |  | No |
| 2652 | XX | XX | XX |  | 27066504 | 1687498078-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - UTD | D |  |  | No |
| 2652 | XX | XX | XX |  | 27066505 | 1687498078-20780 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - UTD | D |  |  | No |
| 2652 | XX | XX | XX |  | 27066506 | 1687498078-6579 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | KS | Primary | Refinance - UTD | D |  |  | No |
| 2652 | XX | XX | XX |  | 27066507 | 1687498078-7028 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - UTD | D |  |  | No |
| 2652 | XX | XX | XX |  | 27066508 | 1687498078-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2652 | XX | XX | XX |  | 27066509 | 1687498078-3494 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - UTD | D |  |  | No |
| 2799 | XX | XX | XX |  | 27066517 | 1703632159-3934 | 07/20/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2799 | XX | XX | XX |  | 27066518 | 1703632159-5445 | 07/20/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2799 | XX | XX | XX |  | 27066519 | 1703632159-7027 | 07/20/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2799 | XX | XX | XX |  | 27066520 | 1703632159-2659 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $154,920.80 is underdisclosed from calculated Finance Charge of $155,452.61 in the amount of $531.81. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2799 | XX | XX | XX |  | 27066521 | 1703632159-7037 | 07/20/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2014 | XX | XX | XX |  | 27066522 | 1700898547-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2014 | XX | XX | XX |  | 27066523 | 1700898547-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2014 | XX | XX | XX |  | 27066524 | 1700898547-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2014 | XX | XX | XX |  | 27066525 | 1700898547-2647 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2823 | XX | XX | XX |  | 27066536 | 1704899643-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2849 | XX | XX | XX |  | 27066533 | 1703533477-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2849 | XX | XX | XX |  | 27066534 | 1703533477-25688 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2849 | XX | XX | XX |  | 27066535 | 1703533477-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2885 | XX | XX | XX |  | 27066539 | 4005675351-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2885 | XX | XX | XX |  | 27066540 | 4005675351-2647 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2885 | XX | XX | XX |  | 27066541 | 4005675351-6576 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2395 | XX | XX | XX |  | 27066543 | 1668610039-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1998 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2395 | XX | XX | XX |  | 27066544 | 1668610039-25902 | 07/26/2021 | Compliance | Compliance | State Compliance | State Defect | Tennessee Prepayment Penalty Test | Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2395 | XX | XX | XX |  | 27066545 | 1668610039-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $153,088.24 is underdisclosed from calculated Finance Charge of $153,237.72 in the amount of $149.48. | Under-disclosure is due to fees. Itemization did not include the settlement/closing/escrow fee of $150.00. |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2395 | XX | XX | XX |  | 27066546 | 1668610039-5010 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2395 | XX | XX | XX |  | 27066547 | 1668610039-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2042 | XX | XX | XX |  | 27066558 | 4003538342-5780 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2042 | XX | XX | XX |  | 27066559 | 4003538342-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2042 | XX | XX | XX |  | 27066560 | 4003538342-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2643 | XX | XX | XX |  | 27066562 | 1682261103-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - UTD | D |  |  | No |
| 2643 | XX | XX | XX |  | 27066564 | 1682261103-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - UTD | D |  |  | No |
| 2643 | XX | XX | XX |  | 27066565 | 1682261103-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - UTD | D |  |  | No |
| 2643 | XX | XX | XX |  | 27066566 | 1682261103-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MO | Primary | Refinance - UTD | D |  |  | No |
| 2643 | XX | XX | XX |  | 27066567 | 1682261103-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - UTD | D |  |  | No |
| 2643 | XX | XX | XX |  | 27066568 | 1682261103-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - UTD | D |  |  | No |
| 2643 | XX | XX | XX |  | 27066569 | 1682261103-25686 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - UTD | No Defined Cure |  |  | No |
| 2643 | XX | XX | XX |  | 27066570 | 1682261103-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - UTD | No Defined Cure |  |  | No |
| 2643 | XX | XX | XX |  | 27066571 | 1682261103-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2643 | XX | XX | XX |  | 27066572 | 1682261103-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - UTD | D |  |  | No |
| 2440 | XX | XX | XX |  | 27066594 | 1688029212-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2440 | XX | XX | XX |  | 27066595 | 1688029212-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2440 | XX | XX | XX |  | 27066596 | 1688029212-6419 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 6.74900% is underdisclosed from calculated APR of 7.29344% outside of 0.250% tolerance. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2440 | XX | XX | XX |  | 27066597 | 1688029212-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $112,536.46 is underdisclosed from calculated Finance Charge of $119,422.50 in the amount of $6,886.04. | Under disclosure is due to the final TIL not including the monthly MI payment in the total payments. |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2440 | XX | XX | XX |  | 27066600 | 1688029212-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 1909 | XX | XX | XX |  | 27066607 | 1696395639-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Second Home | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2439 | XX | XX | XX |  | 27066616 | 1730819996-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2439 | XX | XX | XX |  | 27066617 | 1730819996-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2439 | XX | XX | XX |  | 27066618 | 1730819996-5430 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2439 | XX | XX | XX |  | 27066619 | 1730819996-5432 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2439 | XX | XX | XX |  | 27066620 | 1730819996-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2439 | XX | XX | XX |  | 27066621 | 1730819996-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2439 | XX | XX | XX |  | 27066622 | 1730819996-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2439 | XX | XX | XX |  | 27066623 | 1730819996-2713 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2439 | XX | XX | XX |  | 27066624 | 1730819996-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2439 | XX | XX | XX |  | 27066625 | 1730819996-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2439 | XX | XX | XX |  | 27066626 | 1730819996-20729 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2439 | XX | XX | XX |  | 27066627 | 1730819996-2210 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2439 | XX | XX | XX |  | 27066628 | 1730819996-2214 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2439 | XX | XX | XX |  | 27066629 | 1730819996-5660 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio CSPA Tangible Net Benefit Test | Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2439 | XX | XX | XX |  | 27066630 | 1730819996-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2238 | XX | XX | XX |  | 27066638 | 4003158822-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2238 | XX | XX | XX |  | 27066640 | 4003158822-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2238 | XX | XX | XX |  | 27066641 | 4003158822-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2238 | XX | XX | XX |  | 27066642 | 4003158822-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2238 | XX | XX | XX |  | 27066643 | 4003158822-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | GA | UTD | Purchase | D |  |  | No |
| 2238 | XX | XX | XX |  | 27066644 | 4003158822-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2238 | XX | XX | XX |  | 27066645 | 4003158822-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2238 | XX | XX | XX |  | 27066646 | 4003158822-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066648 | 4008856303-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066650 | 4008856303-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066652 | 4008856303-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066654 | 4008856303-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066655 | 4008856303-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2012 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066656 | 4008856303-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066657 | 4008856303-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066658 | 4008856303-5334 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066659 | 4008856303-28193 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066660 | 4008856303-2713 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066661 | 4008856303-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066662 | 4008856303-2688 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066663 | 4008856303-3353 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2884 | XX | XX | XX |  | 27066664 | 4008856303-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2884 | XX | XX | XX |  | 27066665 | 4008856303-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2618 | XX | XX | XX |  | 27066668 | 1704818807-6576 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | IL | Primary | Refinance - Rate/Term | D |  |  | No |
| 2618 | XX | XX | XX |  | 27066669 | 1704818807-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | D |  |  | No |
| 2618 | XX | XX | XX |  | 27066670 | 1704818807-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | D |  |  | No |
| 2616 | XX | XX | XX |  | 27066680 | 4003971958-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 2063 | XX | XX | XX |  | 27066686 | 1698384132-613 | 07/26/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | D |  |  | No |
| 2063 | XX | XX | XX |  | 27066687 | 1698384132-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | D |  |  | No |
| 2063 | XX | XX | XX |  | 27066688 | 1698384132-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | PA | Primary | Purchase | D |  |  | No |
| 2063 | XX | XX | XX |  | 27066689 | 1698384132-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | D |  |  | No |
| 2063 | XX | XX | XX |  | 27066690 | 1698384132-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | D |  |  | No |
| 2063 | XX | XX | XX |  | 27066691 | 1698384132-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | D |  |  | No |
| 2063 | XX | XX | XX |  | 27066692 | 1698384132-3953 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | D |  |  | No |
| 2418 | XX | XX | XX |  | 27066693 | 1703821182-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2418 | XX | XX | XX |  | 27066694 | 1703821182-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2418 | XX | XX | XX |  | 27066695 | 1703821182-5010 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2596 | XX | XX | XX |  | 27066706 | 1699470627-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2596 | XX | XX | XX |  | 27066707 | 1699470627-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1957 | XX | XX | XX |  | 27066725 | 1717085531-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1957 | XX | XX | XX |  | 27066726 | 1717085531-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1957 | XX | XX | XX |  | 27066727 | 1717085531-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2511 | XX | XX | XX |  | 27066734 | 1685020922-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2382 | XX | XX | XX |  | 27066735 | 1704217232-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 2382 | XX | XX | XX |  | 27066736 | 1704217232-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 2382 | XX | XX | XX |  | 27066737 | 1704217232-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 2902 | XX | XX | XX |  | 27066751 | 1679153642-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - UTD | D |  |  | No |
| 2902 | XX | XX | XX |  | 27066754 | 1679153642-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - UTD | D |  |  | No |
| 2902 | XX | XX | XX |  | 27066755 | 1679153642-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - UTD | D |  |  | No |
| 2902 | XX | XX | XX |  | 27066756 | 1679153642-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | OR | Primary | Refinance - UTD | D |  |  | No |
| 2902 | XX | XX | XX |  | 27066757 | 1679153642-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - UTD | D |  |  | No |
| 2902 | XX | XX | XX |  | 27066758 | 1679153642-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2902 | XX | XX | XX |  | 27066759 | 1679153642-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - UTD | D |  |  | No |
| 2210 | XX | XX | XX |  | 27066776 | 1703471191-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2210 | XX | XX | XX |  | 27066777 | 1703471191-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2210 | XX | XX | XX |  | 27066778 | 1703471191-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2210 | XX | XX | XX |  | 27066779 | 1703471191-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2210 | XX | XX | XX |  | 27066780 | 1703471191-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2210 | XX | XX | XX |  | 27066781 | 1703471191-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2210 | XX | XX | XX |  | 27066784 | 1703471191-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2210 | XX | XX | XX |  | 27066785 | 1703471191-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2210 | XX | XX | XX |  | 27066786 | 1703471191-18330 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 1981 | XX | XX | XX |  | 27066788 | 1701914686-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1955 | XX | XX | XX |  | 27066794 | 4006720797-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1955 | XX | XX | XX |  | 27066795 | 4006720797-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2525 | XX | XX | XX |  | 27066791 | 1701419398-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2525 | XX | XX | XX |  | 27066792 | 1701419398-1974 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2525 | XX | XX | XX |  | 27066793 | 1701419398-1977 | 07/26/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2483 | XX | XX | XX |  | 27066801 | 1699102179-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2483 | XX | XX | XX |  | 27066802 | 1699102179-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2639 | XX | XX | XX |  | 27066803 | 1700251160-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 2639 | XX | XX | XX |  | 27066804 | 1700251160-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 2730 | XX | XX | XX |  | 27066805 | 1708073618-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2730 | XX | XX | XX |  | 27066806 | 1708073618-2666 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2008, prior to three (3) business days from transaction date of 11/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2113 | XX | XX | XX |  | 27066839 | 1697011850-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2113 | XX | XX | XX |  | 27066841 | 1697011850-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2113 | XX | XX | XX |  | 27066842 | 1697011850-23495 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2113 | XX | XX | XX |  | 27066843 | 1697011850-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 1952 | XX | XX | XX |  | 27066853 | 4005234024-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1952 | XX | XX | XX |  | 27066854 | 4005234024-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1952 | XX | XX | XX |  | 27066855 | 4005234024-23495 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1952 | XX | XX | XX |  | 27066856 | 4005234024-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1952 | XX | XX | XX |  | 27066857 | 4005234024-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2436 | XX | XX | XX |  | 27066849 | 1701146660-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Purchase | B |  |  | No |
| 2436 | XX | XX | XX |  | 27066850 | 1701146660-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $121,531.61 is underdisclosed from calculated Finance Charge of $121,841.85 in the amount of $310.24. | Under disclosure is in the payment stream due to MI. Unable to determine under disclosure due to missing MI cert. |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2436 | XX | XX | XX |  | 27066851 | 1701146660-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Purchase | B |  |  | No |
| 2761 | XX | XX | XX |  | 27066859 | 1705517380-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2723 | XX | XX | XX |  | 27066881 | 1700369603-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2723 | XX | XX | XX |  | 27066883 | 1700369603-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2723 | XX | XX | XX |  | 27066884 | 1700369603-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2723 | XX | XX | XX |  | 27066885 | 1700369603-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2251 | XX | XX | XX |  | 27066904 | 4004284175-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2251 | XX | XX | XX |  | 27066905 | 4004284175-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2726 | XX | XX | XX |  | 27066907 | 4005651546-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2787 | XX | XX | XX |  | 27066924 | 1730342058-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2787 | XX | XX | XX |  | 27066925 | 1730342058-2684 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2787 | XX | XX | XX |  | 27066926 | 1730342058-2685 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2787 | XX | XX | XX |  | 27066927 | 1730342058-2694 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2787 | XX | XX | XX |  | 27066928 | 1730342058-2696 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2787 | XX | XX | XX |  | 27066929 | 1730342058-2705 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2787 | XX | XX | XX |  | 27066930 | 1730342058-7087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2787 | XX | XX | XX |  | 27066931 | 1730342058-3063 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2787 | XX | XX | XX |  | 27066932 | 1730342058-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2787 | XX | XX | XX |  | 27066933 | 1730342058-770 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2787 | XX | XX | XX |  | 27066934 | 1730342058-6514 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2787 | XX | XX | XX |  | 27066935 | 1730342058-5438 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2762 | XX | XX | XX |  | 27066918 | 4002304868-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2762 | XX | XX | XX |  | 27066920 | 4002304868-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2762 | XX | XX | XX |  | 27066921 | 4002304868-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2762 | XX | XX | XX |  | 27066922 | 4002304868-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2762 | XX | XX | XX |  | 27066923 | 4002304868-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2507 | XX | XX | XX |  | 27066936 | 1698538277-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2507 | XX | XX | XX |  | 27066937 | 1698538277-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2507 | XX | XX | XX |  | 27066938 | 1698538277-25686 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | No Defined Cure B |  |  | No |
| 2507 | XX | XX | XX |  | 27066939 | 1698538277-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | No Defined Cure B |  |  | No |
| 2507 | XX | XX | XX |  | 27066940 | 1698538277-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2198 | XX | XX | XX |  | 27066970 | 1684571989-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2198 | XX | XX | XX |  | 27066971 | 1684571989-7039 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2158 | XX | XX | XX |  | 27066973 | 4005796111-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2632 | XX | XX | XX |  | 27066994 | 1698290137-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2632 | XX | XX | XX |  | 27066995 | 1698290137-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2632 | XX | XX | XX |  | 27066996 | 1698290137-25686 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2632 | XX | XX | XX |  | 27066997 | 1698290137-6302 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2632 | XX | XX | XX |  | 27066998 | 1698290137-28240 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2632 | XX | XX | XX |  | 27066999 | 1698290137-22050 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2632 | XX | XX | XX |  | 27067000 | 1698290137-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2073 | XX | XX | XX |  | 27067002 | 1701146378-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2073 | XX | XX | XX |  | 27067004 | 1701146378-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2073 | XX | XX | XX |  | 27067005 | 1701146378-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2073 | XX | XX | XX |  | 27067006 | 1701146378-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2750 | XX | XX | XX |  | 27067016 | 1681781060-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2750 | XX | XX | XX |  | 27067017 | 1681781060-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2653 | XX | XX | XX |  | 27067034 | 1703608155-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 2876 | XX | XX | XX |  | 27067043 | 1702918617-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1997 | XX | XX | XX |  | 27067045 | 1702840083-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1997 | XX | XX | XX |  | 27067046 | 1702840083-3928 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1997 | XX | XX | XX |  | 27067047 | 1702840083-4087 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2641 | XX | XX | XX |  | 27067048 | 4005448426-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 2043 | XX | XX | XX |  | 27067070 | 1706559903-25158 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2043 | XX | XX | XX |  | 27067071 | 1706559903-2666 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2562 | XX | XX | XX |  | 27067072 | 1701799806-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2562 | XX | XX | XX |  | 27067073 | 1701799806-25677 | 07/26/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1939 | XX | XX | XX |  | 27067087 | 1704636062-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1939 | XX | XX | XX |  | 27067088 | 1704636062-5791 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2204 | XX | XX | XX |  | 27067090 | 4005833249-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $114,634.13 is underdisclosed from calculated Finance Charge of $115,045.92 in the amount of $411.79. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2542 | XX | XX | XX |  | 27067095 | 1683990373-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2542 | XX | XX | XX |  | 27067098 | 1683990373-20780 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2542 | XX | XX | XX |  | 27067099 | 1683990373-6579 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | IA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2542 | XX | XX | XX |  | 27067100 | 1683990373-7028 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2542 | XX | XX | XX |  | 27067101 | 1683990373-22050 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission |  |  | No |
| 2542 | XX | XX | XX |  | 27067102 | 1683990373-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2844 | XX | XX | XX |  | 27067108 | 1703983211-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Rate/Term | B |  |  | No |
| 2432 | XX | XX | XX |  | 27067109 | 1706133326-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Purchase | B |  |  | No |
| 2311 | XX | XX | XX |  | 27067112 | 1702011335-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2364 | XX | XX | XX |  | 27067114 | 1684448833-4967 | 07/26/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2364 | XX | XX | XX |  | 27067117 | 1684448833-3934 | 07/26/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2364 | XX | XX | XX |  | 27067118 | 1684448833-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2364 | XX | XX | XX |  | 27067119 | 1684448833-23038 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2364 | XX | XX | XX |  | 27067120 | 1684448833-3494 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2364 | XX | XX | XX |  | 27067121 | 1684448833-7037 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2398 | XX | XX | XX |  | 27067122 | 4004537223-5445 | 07/26/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2526 | XX | XX | XX |  | 27067124 | 1699470515-2659 | 07/26/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $232,742.66 is underdisclosed from calculated Finance Charge of $232,855.39 in the amount of $112.73. | Unable to determine fee portion of under disclosure due to missing Itemization of Amount Financed. Payment stream portion is due to lender's TIL reflecting MI would be in force for 154 months; however, based on loan amount and appraised value, the MI would be in force for 155 months. |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2526 | XX | XX | XX |  | 27067125 | 1699470515-7027 | 07/26/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2660 | XX | XX | XX |  | 27067126 | 1711667605-2691 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2660 | XX | XX | XX |  | 27067127 | 1711667605-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $105,641.05 is underdisclosed from calculated Finance Charge of $105,751.06 in the amount of $110.01. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1984 | XX | XX | XX |  | 27067137 | 1688743677-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1984 | XX | XX | XX |  | 27067139 | 1688743677-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1984 | XX | XX | XX |  | 27067140 | 1688743677-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1984 | XX | XX | XX |  | 27067141 | 1688743677-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1984 | XX | XX | XX |  | 27067142 | 1688743677-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1984 | XX | XX | XX |  | 27067143 | 1688743677-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2910 | XX | XX | XX |  | 27067154 | 1661394089-7027 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | B |  |  | No |
| 2910 | XX | XX | XX |  | 27067155 | 1661394089-2659 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $136,939.28 is underdisclosed from calculated Finance Charge of $137,062.23 in the amount of $122.95. | Unable to determine the under disclosure due to missing the itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1920 | XX | XX | XX |  | 27067159 | 1668664395-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | UTD | Purchase | D |  |  | No |
| 1920 | XX | XX | XX |  | 27067161 | 1668664395-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1998 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CT | UTD | Purchase | D |  |  | No |
| 1920 | XX | XX | XX |  | 27067162 | 1668664395-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | CT | UTD | Purchase | D |  |  | No |
| 1920 | XX | XX | XX |  | 27067163 | 1668664395-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | CT | UTD | Purchase | D |  |  | No |
| 1920 | XX | XX | XX |  | 27067164 | 1668664395-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | CT | UTD | Purchase | D |  |  | No |
| 1920 | XX | XX | XX |  | 27067165 | 1668664395-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CT | UTD | Purchase | D |  |  | No |
| 1920 | XX | XX | XX |  | 27067166 | 1668664395-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | UTD | Purchase | D |  |  | No |
| 1920 | XX | XX | XX |  | 27067167 | 1668664395-18330 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | UTD | Purchase | D |  |  | No |
| 1922 | XX | XX | XX |  | 27067174 | 1703116931-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 2116 | XX | XX | XX |  | 27067176 | 1716303768-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2116 | XX | XX | XX |  | 27067177 | 1716303768-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2116 | XX | XX | XX |  | 27067178 | 1716303768-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2116 | XX | XX | XX |  | 27067179 | 1716303768-28193 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2116 | XX | XX | XX |  | 27067180 | 1716303768-3063 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2116 | XX | XX | XX |  | 27067181 | 1716303768-2688 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2116 | XX | XX | XX |  | 27067182 | 1716303768-3078 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2116 | XX | XX | XX |  | 27067183 | 1716303768-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2424 | XX | XX | XX |  | 27067187 | 1695724463-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Purchase | B |  |  | No |
| 2120 | XX | XX | XX |  | 27067191 | 1701344931-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Second Home | Refinance - Cash-out - Other | B |  |  | No |
| 2120 | XX | XX | XX |  | 27067192 | 1701344931-3953 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | MD | Second Home | Refinance - Cash-out - Other | B |  |  | No |
| 2120 | XX | XX | XX |  | 27067193 | 1701344931-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Second Home | Refinance - Cash-out - Other | B |  |  | No |
| 2684 | XX | XX | XX |  | 27067196 | 1696129568-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2283 | XX | XX | XX |  | 27067198 | 4002168620-7027 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2283 | XX | XX | XX |  | 27067199 | 4002168620-22137 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2283 | XX | XX | XX |  | 27067200 | 4002168620-7037 | 08/12/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2283 | XX | XX | XX |  | 27067201 | 4002168620-3494 | 08/12/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2283 | XX | XX | XX |  | 27067202 | 4002168620-3934 | 08/12/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1938 | XX | XX | XX |  | 27067203 | 1700192839-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2752 | XX | XX | XX |  | 27067223 | 4000032148-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2897 | XX | XX | XX |  | 27067226 | 1698028492-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2897 | XX | XX | XX |  | 27067227 | 1698028492-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2897 | XX | XX | XX |  | 27067228 | 1698028492-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2897 | XX | XX | XX |  | 27067229 | 1698028492-23495 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2897 | XX | XX | XX |  | 27067231 | 1698028492-23494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2897 | XX | XX | XX |  | 27067232 | 1698028492-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $333,995.79 is underdisclosed from calculated Finance Charge of $334,146.69 in the amount of $150.90. | The TIL itemization did not disclose a release tracking fee of $125 or courier fee of $26 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2599 | XX | XX | XX |  | 27067235 | 4005533371-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2599 | XX | XX | XX |  | 27067236 | 4005533371-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2599 | XX | XX | XX |  | 27067237 | 4005533371-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2599 | XX | XX | XX |  | 27067238 | 4005533371-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2201 | XX | XX | XX |  | 27067247 | 1704630850-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2201 | XX | XX | XX |  | 27067248 | 1704630850-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2351 | XX | XX | XX |  | 27067256 | 1730556858-5445 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2351 | XX | XX | XX |  | 27067257 | 1730556858-25158 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2351 | XX | XX | XX |  | 27067258 | 1730556858-5440 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | No |
| 2351 | XX | XX | XX |  | 27067259 | 1730556858-5431 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2351 | XX | XX | XX |  | 27067260 | 1730556858-2684 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2351 | XX | XX | XX |  | 27067261 | 1730556858-2694 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2351 | XX | XX | XX |  | 27067262 | 1730556858-2696 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2351 | XX | XX | XX |  | 27067263 | 1730556858-7087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2351 | XX | XX | XX |  | 27067264 | 1730556858-3063 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2351 | XX | XX | XX |  | 27067265 | 1730556858-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2351 | XX | XX | XX |  | 27067267 | 1730556858-5430 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2351 | XX | XX | XX |  | 27067268 | 1730556858-5432 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2534 | XX | XX | XX |  | 27067280 | 1699246406-5445 | 08/12/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2001 | XX | XX | XX |  | 27067288 | 1700358808-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2001 | XX | XX | XX |  | 27067289 | 1700358808-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2402 | XX | XX | XX |  | 27067290 | 1703237449-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2402 | XX | XX | XX |  | 27067291 | 1703237449-7039 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2565 | XX | XX | XX |  | 27067304 | 1704266689-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | B |  |  | No |
| 2565 | XX | XX | XX |  | 27067305 | 1704266689-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | B |  |  | No |
| 2765 | XX | XX | XX |  | 27067314 | 4005443315-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Second Home | Purchase | B |  |  | No |
| 2816 | XX | XX | XX |  | 27067329 | 1705817817-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2816 | XX | XX | XX |  | 27067330 | 1705817817-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2168 | XX | XX | XX |  | 27067334 | 1705136663-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2168 | XX | XX | XX |  | 27067335 | 1705136663-2489 | 07/27/2021 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2490 | XX | XX | XX |  | 27067337 | 1685785184-613 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2490 | XX | XX | XX |  | 27067338 | 1685785184-611 | 07/27/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2490 | XX | XX | XX |  | 27067339 | 1685785184-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2490 | XX | XX | XX |  | 27067340 | 1685785184-25686 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2490 | XX | XX | XX |  | 27067341 | 1685785184-6302 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2490 | XX | XX | XX |  | 27067342 | 1685785184-22050 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2658 | XX | XX | XX |  | 27067344 | 4002915856-7027 | 08/10/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 2147 | XX | XX | XX |  | 27067347 | 1687262130-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2147 | XX | XX | XX |  | 27067349 | 1687262130-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2147 | XX | XX | XX |  | 27067350 | 1687262130-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2677 | XX | XX | XX |  | 27067356 | 1698029812-6576 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | AR | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2677 | XX | XX | XX |  | 27067357 | 1698029812-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2717 | XX | XX | XX |  | 27067358 | 1675677020-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | B |  |  | No |
| 2717 | XX | XX | XX |  | 27067360 | 1675677020-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | B |  |  | No |
| 2717 | XX | XX | XX |  | 27067362 | 1675677020-18330 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | B |  |  | No |
| 2717 | XX | XX | XX |  | 27067363 | 1675677020-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | B |  |  | No |
| 2717 | XX | XX | XX |  | 27067364 | 1675677020-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | B |  |  | No |
| 2717 | XX | XX | XX |  | 27067365 | 1675677020-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | B |  |  | No |
| 2281 | XX | XX | XX |  | 27067370 | 1733469800-5791 | 07/27/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2281 | XX | XX | XX |  | 27067371 | 1733469800-6514 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2281 | XX | XX | XX |  | 27067372 | 1733469800-5437 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2281 | XX | XX | XX |  | 27067373 | 1733469800-2684 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2281 | XX | XX | XX |  | 27067374 | 1733469800-2702 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2281 | XX | XX | XX |  | 27067375 | 1733469800-7087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2281 | XX | XX | XX |  | 27067376 | 1733469800-22137 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2870 | XX | XX | XX |  | 27067378 | 1701258050-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2870 | XX | XX | XX |  | 27067379 | 1701258050-4087 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2870 | XX | XX | XX |  | 27067380 | 1701258050-2659 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $533,883.92 is underdisclosed from calculated Finance Charge of $536,168.82 in the amount of $2,284.90. | Unable to determine the under disclosure due to missing the itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2870 | XX | XX | XX |  | 27067381 | 1701258050-25677 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2803 | XX | XX | XX |  | 27067382 | 1700844590-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NM | UTD | Purchase | B |  |  | No |
| 2803 | XX | XX | XX |  | 27067384 | 1700844590-18330 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | NM | UTD | Purchase | B |  |  | No |
| 2803 | XX | XX | XX |  | 27067386 | 1700844590-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NM | UTD | Purchase | B |  |  | No |
| 2803 | XX | XX | XX |  | 27067387 | 1700844590-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NM | UTD | Purchase | B |  |  | No |
| 2803 | XX | XX | XX |  | 27067388 | 1700844590-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NM | UTD | Purchase | B |  |  | No |
| 2803 | XX | XX | XX |  | 27067389 | 1700844590-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NM | UTD | Purchase | B |  |  | No |
| 2219 | XX | XX | XX |  | 27067400 | 1693631083-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2667 | XX | XX | XX |  | 27067396 | 1697054496-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 2667 | XX | XX | XX |  | 27067397 | 1697054496-7027 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 2667 | XX | XX | XX |  | 27067398 | 1697054496-3928 | 07/27/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 2454 | XX | XX | XX |  | 27067404 | 1688793837-4967 | 07/27/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2454 | XX | XX | XX |  | 27067407 | 1688793837-3934 | 07/27/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2454 | XX | XX | XX |  | 27067408 | 1688793837-20780 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2454 | XX | XX | XX |  | 27067409 | 1688793837-6579 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2454 | XX | XX | XX |  | 27067410 | 1688793837-7028 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2454 | XX | XX | XX |  | 27067411 | 1688793837-23038 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2454 | XX | XX | XX |  | 27067412 | 1688793837-7037 | 07/27/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2454 | XX | XX | XX |  | 27067413 | 1688793837-3494 | 07/27/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2527 | XX | XX | XX |  | 27067415 | 1698172930-3934 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2527 | XX | XX | XX |  | 27067416 | 1698172930-5445 | 12/15/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2527 | XX | XX | XX |  | 27067417 | 1698172930-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2527 | XX | XX | XX |  | 27067418 | 1698172930-3494 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2314 | XX | XX | XX |  | 27067420 | 1704206653-7027 | 11/13/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2314 | XX | XX | XX |  | 27067421 | 1704206653-7037 | 11/13/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2314 | XX | XX | XX |  | 27067422 | 1704206653-3494 | 11/13/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2314 | XX | XX | XX |  | 27067423 | 1704206653-4967 | 11/13/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2314 | XX | XX | XX |  | 27067425 | 1704206653-3934 | 11/13/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2878 | XX | XX | XX |  | 27067428 | 1698977027-6576 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2878 | XX | XX | XX |  | 27067429 | 1698977027-4087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2878 | XX | XX | XX |  | 27067430 | 1698977027-7042 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2331 | XX | XX | XX |  | 27067453 | 4002470405-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2331 | XX | XX | XX |  | 27067454 | 4002470405-5010 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2331 | XX | XX | XX |  | 27067455 | 4002470405-6419 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.40900% is underdisclosed from calculated APR of 8.23544% outside of 0.250% tolerance. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2331 | XX | XX | XX |  | 27067456 | 4002470405-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $127,569.43 is underdisclosed from calculated Finance Charge of $137,579.34 in the amount of $10,009.91. | Under disclosure due to lender final TIL reflects MI start rate for 10 months, then step down rate for 151 months, Per the Final TIL start rate should be for 120 months and step down for additional 41 months. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2274 | XX | XX | XX |  | 27067442 | 1664243592-4967 | 12/30/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | UTD - UTD | D |  |  | No |
| 2274 | XX | XX | XX |  | 27067444 | 1664243592-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | UTD - UTD | D |  |  | No |
| 2274 | XX | XX | XX |  | 27067445 | 1664243592-20780 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 02/XX/1996 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | UTD - UTD | D |  |  | No |
| 2274 | XX | XX | XX |  | 27067446 | 1664243592-6579 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | GA | Primary | UTD - UTD | D |  |  | No |
| 2274 | XX | XX | XX |  | 27067447 | 1664243592-7028 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | UTD - UTD | D |  |  | No |
| 2274 | XX | XX | XX |  | 27067448 | 1664243592-22137 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | UTD - UTD | D |  |  | No |
| 2274 | XX | XX | XX |  | 27067449 | 1664243592-7037 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2274 | XX | XX | XX |  | 27067450 | 1664243592-3494 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | UTD - UTD | D |  |  | No |
| 2447 | XX | XX | XX |  | 27067483 | 1665762083-20780 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/1997 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2447 | XX | XX | XX |  | 27067484 | 1665762083-6579 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2447 | XX | XX | XX |  | 27067485 | 1665762083-7028 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2447 | XX | XX | XX |  | 27067486 | 1665762083-7037 | 12/22/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2447 | XX | XX | XX |  | 27067487 | 1665762083-3494 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2447 | XX | XX | XX |  | 27067489 | 1665762083-3934 | 12/22/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2447 | XX | XX | XX |  | 27067490 | 1665762083-4967 | 12/22/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2802 | XX | XX | XX |  | 27067502 | 1673588856-7027 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2802 | XX | XX | XX |  | 27067503 | 1673588856-4087 | 12/22/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2802 | XX | XX | XX |  | 27067504 | 1673588856-25677 | 12/22/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2194 | XX | XX | XX |  | 27067514 | 1674966945-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2390 | XX | XX | XX |  | 27067517 | 1678369955-7027 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2390 | XX | XX | XX |  | 27067518 | 1678369955-25677 | 12/30/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 1986 | XX | XX | XX |  | 27067521 | 1678916915-613 | 03/16/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1986 | XX | XX | XX |  | 27067522 | 1678916915-4967 | 03/16/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1986 | XX | XX | XX |  | 27067524 | 1678916915-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1986 | XX | XX | XX |  | 27067525 | 1678916915-611 | 03/16/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 2144 | XX | XX | XX |  | 27067528 | 1679280017-7027 | 01/15/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2144 | XX | XX | XX |  | 27067529 | 1679280017-3494 | 01/15/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2144 | XX | XX | XX |  | 27067530 | 1679280017-4967 | 01/15/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2144 | XX | XX | XX |  | 27067532 | 1679280017-3934 | 01/15/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2208 | XX | XX | XX |  | 27067540 | 1680075324-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | D |  |  | No |
| 2208 | XX | XX | XX |  | 27067541 | 1680075324-6576 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NC | Primary | Purchase | D |  |  | No |
| 2208 | XX | XX | XX |  | 27067542 | 1680075324-3494 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | D |  |  | No |
| 1963 | XX | XX | XX |  | 27067533 | 1680236165-2659 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $291,754.25 is underdisclosed from calculated Finance Charge of $292,103.74 in the amount of $349.49. | TIL Itemization did not disclose the $25 CPL fee or $325 settlement fee as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1963 | XX | XX | XX |  | 27067534 | 1680236165-7037 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1963 | XX | XX | XX |  | 27067537 | 1680236165-3934 | 08/02/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1963 | XX | XX | XX |  | 27067538 | 1680236165-7027 | 08/02/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2695 | XX | XX | XX |  | 27067559 | 1681002926-20780 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2695 | XX | XX | XX |  | 27067560 | 1681002926-6579 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TX | Primary | Purchase | D |  |  | No |
| 2695 | XX | XX | XX |  | 27067561 | 1681002926-7028 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2695 | XX | XX | XX |  | 27067562 | 1681002926-5010 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2695 | XX | XX | XX |  | 27067563 | 1681002926-611 | 12/30/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2473 | XX | XX | XX |  | 27067565 | 1681390664-4967 | 12/30/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2473 | XX | XX | XX |  | 27067567 | 1681390664-3934 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2473 | XX | XX | XX |  | 27067569 | 1681390664-20780 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2473 | XX | XX | XX |  | 27067570 | 1681390664-6579 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2473 | XX | XX | XX |  | 27067571 | 1681390664-7028 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2473 | XX | XX | XX |  | 27067572 | 1681390664-25686 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | No Defined Cure |  |  | No |
| 2473 | XX | XX | XX |  | 27067573 | 1681390664-6302 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | No Defined Cure |  |  | No |
| 2473 | XX | XX | XX |  | 27067574 | 1681390664-7037 | 12/30/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2473 | XX | XX | XX |  | 27067575 | 1681390664-3494 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2473 | XX | XX | XX |  | 27067576 | 1681390664-18330 | 12/30/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2242 | XX | XX | XX |  | 27067580 | 1683266489-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2242 | XX | XX | XX |  | 27067582 | 1683266489-4967 | 03/23/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2242 | XX | XX | XX |  | 27067583 | 1683266489-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2242 | XX | XX | XX |  | 27067584 | 1683266489-7037 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2242 | XX | XX | XX |  | 27067585 | 1683266489-3494 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1893 | XX | XX | XX |  | 27067624 | 1695754809-6305 | 08/24/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1893 | XX | XX | XX |  | 27067625 | 1695754809-6302 | 08/24/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2008 | XX | XX | XX |  | 27067627 | 1696195515-6579 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NY | Primary | Refinance - Rate/Term | D |  |  | No |
| 2008 | XX | XX | XX |  | 27067628 | 1696195515-7028 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | D |  |  | No |
| 2008 | XX | XX | XX |  | 27067629 | 1696195515-22050 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission |  |  | No |
| 2008 | XX | XX | XX |  | 27067630 | 1696195515-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | D |  |  | No |
| 2008 | XX | XX | XX |  | 27067631 | 1696195515-20780 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | D |  |  | No |
| 2008 | XX | XX | XX |  | 27067632 | 1696195515-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | D |  |  | No |
| 2074 | XX | XX | XX |  | 27067637 | 1696721504-7027 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2074 | XX | XX | XX |  | 27067638 | 1696721504-25677 | 12/15/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2260 | XX | XX | XX |  | 27067660 | 1698458234-6305 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2260 | XX | XX | XX |  | 27067661 | 1698458234-5445 | 08/02/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2669 | XX | XX | XX |  | 27067663 | 1698713304-7027 | 08/02/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2669 | XX | XX | XX |  | 27067664 | 1698713304-4088 | 08/02/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2669 | XX | XX | XX |  | 27067665 | 1698713304-6301 | 08/02/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2017 | XX | XX | XX |  | 27067669 | 1698662029-5791 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2341 | XX | XX | XX |  | 27067671 | 1698951782-20780 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2341 | XX | XX | XX |  | 27067672 | 1698951782-6579 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2341 | XX | XX | XX |  | 27067673 | 1698951782-7028 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2341 | XX | XX | XX |  | 27067674 | 1698951782-25686 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | No Defined Cure |  |  | No |
| 2341 | XX | XX | XX |  | 27067675 | 1698951782-6302 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | No Defined Cure |  |  | No |
| 2341 | XX | XX | XX |  | 27067676 | 1698951782-7037 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2341 | XX | XX | XX |  | 27067677 | 1698951782-3494 | 12/15/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2341 | XX | XX | XX |  | 27067678 | 1698951782-4967 | 12/15/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2341 | XX | XX | XX |  | 27067680 | 1698951782-3934 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2341 | XX | XX | XX |  | 27067681 | 1698951782-18330 | 12/15/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2809 | XX | XX | XX |  | 27067685 | 1699244228-6576 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NV | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2307 | XX | XX | XX |  | 27067688 | 1699565511-4967 | 03/23/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2307 | XX | XX | XX |  | 27067689 | 1699565511-3934 | 03/23/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2307 | XX | XX | XX |  | 27067690 | 1699565511-7027 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2307 | XX | XX | XX |  | 27067691 | 1699565511-7037 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2307 | XX | XX | XX |  | 27067692 | 1699565511-3494 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2141 | XX | XX | XX |  | 27067701 | 1700465026-25688 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2141 | XX | XX | XX |  | 27067702 | 1700465026-6302 | 03/23/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2631 | XX | XX | XX |  | 27067703 | 1700896282-7027 | 08/07/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2123 | XX | XX | XX |  | 27067712 | 1701010279-25687 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2123 | XX | XX | XX |  | 27067713 | 1701010279-6302 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2354 | XX | XX | XX |  | 27067720 | 1701191187-4088 | 08/07/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2354 | XX | XX | XX |  | 27067721 | 1701191187-2659 | 08/07/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $193,385.22 is underdisclosed from calculated Finance Charge of $194,492.38 in the amount of $1,107.16. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2296 | XX | XX | XX |  | 27067727 | 1701204878-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1945 | XX | XX | XX |  | 27067734 | 1701672766-4088 | 08/07/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1945 | XX | XX | XX |  | 27067735 | 1701672766-6305 | 08/07/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2164 | XX | XX | XX |  | 27067741 | 1702133967-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2164 | XX | XX | XX |  | 27067742 | 1702133967-3928 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2469 | XX | XX | XX |  | 27067746 | 1702481067-5445 | 12/08/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2469 | XX | XX | XX |  | 27067747 | 1702481067-25677 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2254 | XX | XX | XX |  | 27067749 | 1702660502-5791 | 12/08/2020 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2254 | XX | XX | XX |  | 27067750 | 1702660502-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2254 | XX | XX | XX |  | 27067751 | 1702660502-3928 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2254 | XX | XX | XX |  | 27067752 | 1702660502-4087 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1916 | XX | XX | XX |  | 27067748 | 1703085234-7027 | 11/05/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2358 | XX | XX | XX |  | 27067754 | 1703378025-5445 | 12/15/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2358 | XX | XX | XX |  | 27067755 | 1703378025-7037 | 12/15/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2912 | XX | XX | XX |  | 27067764 | 1703490914-4087 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2912 | XX | XX | XX |  | 27067765 | 1703490914-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2912 | XX | XX | XX |  | 27067766 | 1703490914-2666 | 11/13/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2396 | XX | XX | XX |  | 27067762 | 1703562848-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2782 | XX | XX | XX |  | 27067763 | 1703583552-3928 | 11/17/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2323 | XX | XX | XX |  | 27067767 | 1703629054-6576 | 11/05/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2294 | XX | XX | XX |  | 27067770 | 1703728500-7027 | 11/06/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2294 | XX | XX | XX |  | 27067771 | 1703728500-25677 | 11/06/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2294 | XX | XX | XX |  | 27067772 | 1703728500-2658 | 11/06/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 7.13800% is underdisclosed from calculated APR of 7.47146% outside of 0.125% tolerance. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2294 | XX | XX | XX |  | 27067773 | 1703728500-2659 | 11/06/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $227,663.52 is underdisclosed from calculated Finance Charge of $234,528.85 in the amount of $6,865.33. | Under disclosure is due to the TIL not including the monthly MI payment. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2460 | XX | XX | XX |  | 27067783 | 1704298661-5445 | 11/13/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2460 | XX | XX | XX |  | 27067784 | 1704298661-7027 | 11/13/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2460 | XX | XX | XX |  | 27067785 | 1704298661-4087 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2460 | XX | XX | XX |  | 27067786 | 1704298661-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2460 | XX | XX | XX |  | 27067787 | 1704298661-2212 | 11/13/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2566 | XX | XX | XX |  | 27067790 | 1704306193-2659 | 11/17/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $211,135.10 is underdisclosed from calculated Finance Charge of $211,275.10 in the amount of $140.00. | Unable to determine under disclosure due to missing TIL Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2858 | XX | XX | XX |  | 27067793 | 1704411147-25677 | 11/06/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2858 | XX | XX | XX |  | 27067794 | 1704411147-6302 | 11/06/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2858 | XX | XX | XX |  | 27067796 | 1704411147-7027 | 11/06/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2858 | XX | XX | XX |  | 27067797 | 1704411147-25688 | 11/06/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2609 | XX | XX | XX |  | 27067798 | 1704501828-25677 | 11/13/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 2346 | XX | XX | XX |  | 27067800 | 1704890574-3934 | 09/20/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2346 | XX | XX | XX |  | 27067802 | 1704890574-4967 | 09/20/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2346 | XX | XX | XX |  | 27067803 | 1704890574-5445 | 09/20/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2346 | XX | XX | XX |  | 27067804 | 1704890574-7027 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2346 | XX | XX | XX |  | 27067805 | 1704890574-7037 | 09/20/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1985 | XX | XX | XX |  | 27067806 | 1704708641-7027 | 11/09/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1985 | XX | XX | XX |  | 27067807 | 1704708641-4087 | 11/09/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1985 | XX | XX | XX |  | 27067808 | 1704708641-25677 | 11/09/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1985 | XX | XX | XX |  | 27067809 | 1704708641-3953 | 11/09/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1985 | XX | XX | XX |  | 27067810 | 1704708641-611 | 11/09/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1985 | XX | XX | XX |  | 27067811 | 1704708641-22050 | 11/09/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but signature is not dated by borrower so cannot confirm that borrower received at closing. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2114 | XX | XX | XX |  | 27067825 | 1704947043-7027 | 11/13/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | B |  |  | No |
| 2114 | XX | XX | XX |  | 27067826 | 1704947043-2659 | 11/13/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $499,214.29 is underdisclosed from calculated Finance Charge of $500,074.64 in the amount of $860.35. | Unable to determine under disclosure due to missing itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2874 | XX | XX | XX |  | 27067828 | 1705321282-22050 | 08/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2874 | XX | XX | XX |  | 27067829 | 1705321282-3953 | 08/17/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2874 | XX | XX | XX |  | 27067830 | 1705321282-611 | 08/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2874 | XX | XX | XX |  | 27067831 | 1705321282-613 | 08/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2874 | XX | XX | XX |  | 27067832 | 1705321282-7027 | 08/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2693 | XX | XX | XX |  | 27067840 | 1705540339-5445 | 12/03/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | B |  |  | No |
| 2693 | XX | XX | XX |  | 27067841 | 1705540339-4087 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | B |  |  | No |
| 2693 | XX | XX | XX |  | 27067842 | 1705540339-3953 | 12/03/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | B |  |  | No |
| 2148 | XX | XX | XX |  | 27067850 | 1705690538-7027 | 11/17/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2748 | XX | XX | XX |  | 27067851 | 1705744271-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2748 | XX | XX | XX |  | 27067852 | 1705744271-2647 | 12/03/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2132 | XX | XX | XX |  | 27067854 | 1705877389-611 | 12/08/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2132 | XX | XX | XX |  | 27067855 | 1705877389-5445 | 12/08/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2132 | XX | XX | XX |  | 27067856 | 1705877389-4087 | 12/08/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2132 | XX | XX | XX |  | 27067857 | 1705877389-25688 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2132 | XX | XX | XX |  | 27067858 | 1705877389-6302 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2132 | XX | XX | XX |  | 27067859 | 1705877389-22050 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2132 | XX | XX | XX |  | 27067861 | 1705877389-3953 | 12/08/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2338 | XX | XX | XX |  | 27067866 | 1705909357-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2338 | XX | XX | XX |  | 27067867 | 1705909357-25677 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2654 | XX | XX | XX |  | 27067880 | 1707983190-3934 | 03/16/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 2654 | XX | XX | XX |  | 27067881 | 1707983190-5445 | 03/16/2020 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 2654 | XX | XX | XX |  | 27067882 | 1707983190-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 2654 | XX | XX | XX |  | 27067883 | 1707983190-3494 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 2383 | XX | XX | XX |  | 27067884 | 1708432974-4088 | 08/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2727 | XX | XX | XX |  | 27067889 | 1709815925-20780 | 03/23/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Construction-Permanent | B |  |  | No |
| 2037 | XX | XX | XX |  | 27067900 | 1712232380-25677 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2037 | XX | XX | XX |  | 27067901 | 1712232380-5431 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2037 | XX | XX | XX |  | 27067902 | 1712232380-2773 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2239 | XX | XX | XX |  | 27067933 | 1730819216-5445 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2239 | XX | XX | XX |  | 27067934 | 1730819216-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2239 | XX | XX | XX |  | 27067935 | 1730819216-5431 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2239 | XX | XX | XX |  | 27067936 | 1730819216-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2239 | XX | XX | XX |  | 27067937 | 1730819216-2692 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2239 | XX | XX | XX |  | 27067938 | 1730819216-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2239 | XX | XX | XX |  | 27067939 | 1730819216-2695 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Term on Final GFE Inaccurate | RESPA (2010): Loan Term on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2239 | XX | XX | XX |  | 27067940 | 1730819216-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2239 | XX | XX | XX |  | 27067941 | 1730819216-2713 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2239 | XX | XX | XX |  | 27067942 | 1730819216-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2239 | XX | XX | XX |  | 27067943 | 1730819216-3063 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2239 | XX | XX | XX |  | 27067944 | 1730819216-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $103,092.44 is underdisclosed from calculated Finance Charge of $103,166.08 in the amount of $73.64. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2239 | XX | XX | XX |  | 27067945 | 1730819216-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2239 | XX | XX | XX |  | 27067946 | 1730819216-6514 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2239 | XX | XX | XX |  | 27067947 | 1730819216-5437 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2614 | XX | XX | XX |  | 27067921 | 1730603255-5445 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2614 | XX | XX | XX |  | 27067922 | 1730603255-6514 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2614 | XX | XX | XX |  | 27067923 | 1730603255-5430 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2614 | XX | XX | XX |  | 27067924 | 1730603255-5432 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2614 | XX | XX | XX |  | 27067925 | 1730603255-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2614 | XX | XX | XX |  | 27067926 | 1730603255-2691 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2614 | XX | XX | XX |  | 27067927 | 1730603255-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2614 | XX | XX | XX |  | 27067928 | 1730603255-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2614 | XX | XX | XX |  | 27067929 | 1730603255-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2614 | XX | XX | XX |  | 27067930 | 1730603255-3063 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2614 | XX | XX | XX |  | 27067931 | 1730603255-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2355 | XX | XX | XX |  | 27067962 | 1730925382-5445 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2355 | XX | XX | XX |  | 27067963 | 1730925382-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2355 | XX | XX | XX |  | 27067964 | 1730925382-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2355 | XX | XX | XX |  | 27067965 | 1730925382-2692 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2355 | XX | XX | XX |  | 27067966 | 1730925382-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2355 | XX | XX | XX |  | 27067967 | 1730925382-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2355 | XX | XX | XX |  | 27067968 | 1730925382-3063 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2355 | XX | XX | XX |  | 27067969 | 1730925382-3070 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2355 | XX | XX | XX |  | 27067970 | 1730925382-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2080 | XX | XX | XX |  | 27067972 | 1731422810-5445 | 01/14/2021 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2080 | XX | XX | XX |  | 27067973 | 1731422810-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2080 | XX | XX | XX |  | 27067974 | 1731422810-5438 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2080 | XX | XX | XX |  | 27067975 | 1731422810-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2080 | XX | XX | XX |  | 27067976 | 1731422810-2694 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2080 | XX | XX | XX |  | 27067977 | 1731422810-2696 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2080 | XX | XX | XX |  | 27067978 | 1731422810-2713 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2080 | XX | XX | XX |  | 27067979 | 1731422810-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2080 | XX | XX | XX |  | 27067980 | 1731422810-3063 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2080 | XX | XX | XX |  | 27067981 | 1731422810-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $114,149.16 is underdisclosed from calculated Finance Charge of $114,602.57 in the amount of $453.41. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2080 | XX | XX | XX |  | 27067982 | 1731422810-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2080 | XX | XX | XX |  | 27067983 | 1731422810-5429 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 801) Without Cure | RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2080 | XX | XX | XX |  | 27067984 | 1731422810-5432 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2529 | XX | XX | XX |  | 27067985 | 1731548964-2684 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2529 | XX | XX | XX |  | 27067986 | 1731548964-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2416 | XX | XX | XX |  | 27068002 | 4002800697-611 | 01/14/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 1904 | XX | XX | XX |  | 27068006 | 4002671891-20780 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 11/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | D |  |  | No |
| 1904 | XX | XX | XX |  | 27068007 | 4002671891-6579 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MA | Primary | Purchase | D |  |  | No |
| 1904 | XX | XX | XX |  | 27068008 | 4002671891-7028 | 12/30/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | D |  |  | No |
| 2567 | XX | XX | XX |  | 27068010 | 1733153236-3141 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | B |  |  | No |
| 2567 | XX | XX | XX |  | 27068011 | 1733153236-7087 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | B |  |  | No |
| 2913 | XX | XX | XX |  | 27068012 | 4002473341-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2453 | XX | XX | XX |  | 27068014 | 4003016608-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $233,937.94 is underdisclosed from calculated Finance Charge of $234,438.99 in the amount of $501.05. | Unable to determine under disclosure, due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2414 | XX | XX | XX |  | 27068016 | 4003086725-7027 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2414 | XX | XX | XX |  | 27068017 | 4003086725-25902 | 01/14/2021 | Compliance | Compliance | State Compliance | State Defect | Tennessee Prepayment Penalty Test | Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2420 | XX | XX | XX |  | 27068018 | 4003111202-611 | 01/14/2021 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2030 | XX | XX | XX |  | 27068031 | 4003183664-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2030 | XX | XX | XX |  | 27068032 | 4003183664-4087 | 03/31/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2030 | XX | XX | XX |  | 27068033 | 4003183664-22137 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2030 | XX | XX | XX |  | 27068034 | 4003183664-22050 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2030 | XX | XX | XX |  | 27068035 | 4003183664-7039 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2030 | XX | XX | XX |  | 27068036 | 4003183664-7040 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2030 | XX | XX | XX |  | 27068038 | 4003183664-4967 | 03/31/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2030 | XX | XX | XX |  | 27068039 | 4003183664-613 | 03/31/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2030 | XX | XX | XX |  | 27068040 | 4003183664-611 | 03/31/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2248 | XX | XX | XX |  | 27068043 | 4003188678-3934 | 03/31/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2248 | XX | XX | XX |  | 27068046 | 4003188678-25686 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2248 | XX | XX | XX |  | 27068047 | 4003188678-6302 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2248 | XX | XX | XX |  | 27068048 | 4003188678-7037 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2248 | XX | XX | XX |  | 27068049 | 4003188678-3494 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2675 | XX | XX | XX |  | 27068051 | 4003250873-3934 | 03/31/2020 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Purchase | B |  |  | No |
| 2675 | XX | XX | XX |  | 27068052 | 4003250873-7027 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Purchase | B |  |  | No |
| 2675 | XX | XX | XX |  | 27068053 | 4003250873-3494 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Purchase | B |  |  | No |
| 2648 | XX | XX | XX |  | 27068063 | 4003495689-7027 | 03/16/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 2648 | XX | XX | XX |  | 27068064 | 4003495689-613 | 03/16/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 2648 | XX | XX | XX |  | 27068065 | 4003495689-4967 | 03/16/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 2648 | XX | XX | XX |  | 27068067 | 4003495689-611 | 03/16/2020 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 2648 | XX | XX | XX |  | 27068068 | 4003495689-3928 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 2388 | XX | XX | XX |  | 27068071 | 4003588136-7027 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 2102 | XX | XX | XX |  | 27068075 | 4003511938-2659 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $65,670.10 is underdisclosed from calculated Finance Charge of $65,990.91 in the amount of $320.81. | Unable to determine reason for under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2673 | XX | XX | XX |  | 27068082 | 4003689608-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 2449 | XX | XX | XX |  | 27068085 | 4003946561-4967 | 03/16/2020 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2449 | XX | XX | XX |  | 27068087 | 4003946561-25677 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2449 | XX | XX | XX |  | 27068088 | 4003946561-25688 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | No Defined Cure B |  |  | No |
| 2449 | XX | XX | XX |  | 27068089 | 4003946561-6302 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | No Defined Cure B |  |  | No |
| 2521 | XX | XX | XX |  | 27068104 | 4004038106-25677 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2078 | XX | XX | XX |  | 27068120 | 4004601444-25677 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Second Home | Purchase | B |  |  | No |
| 2094 | XX | XX | XX |  | 27068134 | 4004774697-3928 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2094 | XX | XX | XX |  | 27068135 | 4004774697-4087 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2363 | XX | XX | XX |  | 27068137 | 4004473417-3934 | 09/20/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 2363 | XX | XX | XX |  | 27068138 | 4004473417-20780 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 2363 | XX | XX | XX |  | 27068141 | 4004473417-3494 | 09/20/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 2363 | XX | XX | XX |  | 27068142 | 4004473417-4967 | 06/22/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 2363 | XX | XX | XX |  | 27068144 | 4004473417-31485 | 07/18/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | AL | Primary | Purchase | D |  |  | No |
| 2031 | XX | XX | XX |  | 27068148 | 4004843500-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2031 | XX | XX | XX |  | 27068149 | 4004843500-25687 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2031 | XX | XX | XX |  | 27068150 | 4004843500-25688 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2031 | XX | XX | XX |  | 27068151 | 4004843500-6302 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2312 | XX | XX | XX |  | 27068152 | 4004846432-2659 | 03/16/2020 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $403,813.01 is underdisclosed from calculated Finance Charge of $407,095.43 in the amount of $3,282.42. | The Final TIL figures do not correlate with the terms of Note and Prepaid Finance Charges on HUD. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2312 | XX | XX | XX |  | 27068153 | 4004846432-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2312 | XX | XX | XX |  | 27068154 | 4004846432-3928 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2757 | XX | XX | XX |  | 27068156 | 4004863045-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2763 | XX | XX | XX |  | 27068159 | 4004863399-6576 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | TX | Primary | Purchase | D |  |  | No |
| 2763 | XX | XX | XX |  | 27068160 | 4004863399-7027 | 12/22/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2763 | XX | XX | XX |  | 27068161 | 4004863399-25677 | 12/22/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2187 | XX | XX | XX |  | 27068163 | 4004936885-22866 | 03/31/2020 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2187 | XX | XX | XX |  | 27068165 | 4004936885-25686 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2187 | XX | XX | XX |  | 27068166 | 4004936885-6302 | 03/31/2020 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2438 | XX | XX | XX |  | 27068171 | 4005046006-7027 | 12/08/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Purchase | B |  |  | No |
| 2498 | XX | XX | XX |  | 27068178 | 4005273431-3928 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2498 | XX | XX | XX |  | 27068179 | 4005273431-4087 | 03/16/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2498 | XX | XX | XX |  | 27068180 | 4005273431-1974 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2498 | XX | XX | XX |  | 27068181 | 4005273431-1977 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2498 | XX | XX | XX |  | 27068182 | 4005273431-6589 | 03/16/2020 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2237 | XX | XX | XX |  | 27068190 | 4005443181-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2237 | XX | XX | XX |  | 27068191 | 4005443181-4087 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2237 | XX | XX | XX |  | 27068192 | 4005443181-25677 | 12/03/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2237 | XX | XX | XX |  | 27068193 | 4005443181-2778 | 12/03/2020 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2133 | XX | XX | XX |  | 27068194 | 4005413132-7027 | 12/03/2020 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2207 | XX | XX | XX |  | 27068196 | 4005568435-7037 | 11/13/2020 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2190 | XX | XX | XX |  | 27068204 | 4005785371-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2732 | XX | XX | XX |  | 27068206 | 4005864177-4087 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2732 | XX | XX | XX |  | 27068207 | 4005864177-25677 | 03/23/2020 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2119 | XX | XX | XX |  | 27068211 | 4009586751-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2192 | XX | XX | XX |  | 27068213 | 4007150329-25158 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2192 | XX | XX | XX |  | 27068214 | 4007150329-20780 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2010 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2192 | XX | XX | XX |  | 27068215 | 4007150329-6579 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2192 | XX | XX | XX |  | 27068216 | 4007150329-7028 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2192 | XX | XX | XX |  | 27068217 | 4007150329-3063 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2192 | XX | XX | XX |  | 27068218 | 4007150329-2688 | 01/14/2021 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2192 | XX | XX | XX |  | 27068219 | 4007150329-3353 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2192 | XX | XX | XX |  | 27068220 | 4007150329-7037 | 01/14/2021 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2192 | XX | XX | XX |  | 27068221 | 4007150329-3494 | 01/14/2021 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2192 | XX | XX | XX |  | 27068222 | 4007150329-4967 | 01/14/2021 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2192 | XX | XX | XX |  | 27068225 | 4007150329-3934 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2192 | XX | XX | XX |  | 27068226 | 4007150329-18330 | 01/14/2021 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 2604 | XX | XX | XX |  | 27068227 | 1733735268-613 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2604 | XX | XX | XX |  | 27068228 | 1733735268-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2604 | XX | XX | XX |  | 27068229 | 1733735268-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2604 | XX | XX | XX |  | 27068230 | 1733735268-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2604 | XX | XX | XX |  | 27068231 | 1733735268-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2604 | XX | XX | XX |  | 27068232 | 1733735268-2773 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2604 | XX | XX | XX |  | 27068233 | 1733735268-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2604 | XX | XX | XX |  | 27068234 | 1733735268-22050 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2347 | XX | XX | XX |  | 27068242 | 1733645340-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2347 | XX | XX | XX |  | 27068243 | 1733645340-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2347 | XX | XX | XX |  | 27068244 | 1733645340-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2510 | XX | XX | XX |  | 27068252 | 1733571718-6589 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2817 | XX | XX | XX |  | 27068253 | 1733472062-5791 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2817 | XX | XX | XX |  | 27068254 | 1733472062-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2721 | XX | XX | XX |  | 27068255 | 1733559824-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2721 | XX | XX | XX |  | 27068256 | 1733559824-3180 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - First Change Date on GFE Inaccurate | RESPA (2010): First Change Date on GFE does not match First Change Date on Note. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2721 | XX | XX | XX |  | 27068257 | 1733559824-3141 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2721 | XX | XX | XX |  | 27068258 | 1733559824-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2721 | XX | XX | XX |  | 27068259 | 1733559824-25688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 2721 | XX | XX | XX |  | 27068260 | 1733559824-6302 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 2155 | XX | XX | XX |  | 27068261 | 1733450442-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2155 | XX | XX | XX |  | 27068262 | 1733450442-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2155 | XX | XX | XX |  | 27068263 | 1733450442-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2155 | XX | XX | XX |  | 27068264 | 1733450442-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2155 | XX | XX | XX |  | 27068265 | 1733450442-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2155 | XX | XX | XX |  | 27068266 | 1733450442-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2155 | XX | XX | XX |  | 27068267 | 1733450442-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2832 | XX | XX | XX |  | 27068269 | 1733405519-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2832 | XX | XX | XX |  | 27068270 | 1733405519-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2832 | XX | XX | XX |  | 27068271 | 1733405519-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2832 | XX | XX | XX |  | 27068272 | 1733405519-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2832 | XX | XX | XX |  | 27068273 | 1733405519-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2832 | XX | XX | XX |  | 27068274 | 1733405519-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2832 | XX | XX | XX |  | 27068275 | 1733405519-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2832 | XX | XX | XX |  | 27068276 | 1733405519-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2832 | XX | XX | XX |  | 27068277 | 1733405519-3141 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2832 | XX | XX | XX |  | 27068278 | 1733405519-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2832 | XX | XX | XX |  | 27068279 | 1733405519-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2832 | XX | XX | XX |  | 27068280 | 1733405519-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2694 | XX | XX | XX |  | 27068283 | 1733359485-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2694 | XX | XX | XX |  | 27068284 | 1733359485-2713 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2076 | XX | XX | XX |  | 27068286 | 4010012349-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2076 | XX | XX | XX |  | 27068287 | 4010012349-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2076 | XX | XX | XX |  | 27068288 | 4010012349-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2076 | XX | XX | XX |  | 27068289 | 4010012349-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2076 | XX | XX | XX |  | 27068290 | 4010012349-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2076 | XX | XX | XX |  | 27068291 | 4010012349-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2076 | XX | XX | XX |  | 27068292 | 4010012349-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2076 | XX | XX | XX |  | 27068293 | 4010012349-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2076 | XX | XX | XX |  | 27068294 | 4010012349-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2076 | XX | XX | XX |  | 27068295 | 4010012349-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2745 | XX | XX | XX |  | 27068296 | 4009894909-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2745 | XX | XX | XX |  | 27068297 | 4009894909-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2745 | XX | XX | XX |  | 27068298 | 4009894909-3141 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2745 | XX | XX | XX |  | 27068299 | 4009894909-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2022 | XX | XX | XX |  | 27068315 | 1733068413-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2022 | XX | XX | XX |  | 27068316 | 1733068413-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2022 | XX | XX | XX |  | 27068317 | 1733068413-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2022 | XX | XX | XX |  | 27068318 | 1733068413-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2022 | XX | XX | XX |  | 27068319 | 1733068413-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2022 | XX | XX | XX |  | 27068320 | 1733068413-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2315 | XX | XX | XX |  | 27068321 | 1732976237-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2315 | XX | XX | XX |  | 27068322 | 1732976237-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2315 | XX | XX | XX |  | 27068323 | 1732976237-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2868 | XX | XX | XX |  | 27068327 | 1732770627-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2868 | XX | XX | XX |  | 27068328 | 1732770627-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2664 | XX | XX | XX |  | 27068330 | 1732950379-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2664 | XX | XX | XX |  | 27068331 | 1732950379-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2846 | XX | XX | XX |  | 27068337 | 1732524101-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2846 | XX | XX | XX |  | 27068338 | 1732524101-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2846 | XX | XX | XX |  | 27068339 | 1732524101-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2846 | XX | XX | XX |  | 27068340 | 1732524101-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2846 | XX | XX | XX |  | 27068341 | 1732524101-768 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: Days before settlement not provided. | GFE Date: 06/XX/2013 |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2272 | XX | XX | XX |  | 27068346 | 1732518011-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2272 | XX | XX | XX |  | 27068347 | 1732518011-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2272 | XX | XX | XX |  | 27068348 | 1732518011-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2272 | XX | XX | XX |  | 27068349 | 1732518011-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2272 | XX | XX | XX |  | 27068350 | 1732518011-2773 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2272 | XX | XX | XX |  | 27068351 | 1732518011-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2272 | XX | XX | XX |  | 27068352 | 1732518011-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2272 | XX | XX | XX |  | 27068353 | 1732518011-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2272 | XX | XX | XX |  | 27068354 | 1732518011-3140 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application. | Unable to determine due to missing initial application date |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2772 | XX | XX | XX |  | 27068355 | 1732447567-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2772 | XX | XX | XX |  | 27068356 | 1732447567-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2772 | XX | XX | XX |  | 27068357 | 1732447567-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2772 | XX | XX | XX |  | 27068358 | 1732447567-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2772 | XX | XX | XX |  | 27068359 | 1732447567-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2772 | XX | XX | XX |  | 27068360 | 1732447567-2788 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 1965 | XX | XX | XX |  | 27068361 | 1732494947-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1965 | XX | XX | XX |  | 27068362 | 1732494947-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1965 | XX | XX | XX |  | 27068363 | 1732494947-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1965 | XX | XX | XX |  | 27068364 | 1732494947-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2455 | XX | XX | XX |  | 27068365 | 1732418765-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2455 | XX | XX | XX |  | 27068366 | 1732418765-3141 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2455 | XX | XX | XX |  | 27068367 | 1732418765-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2455 | XX | XX | XX |  | 27068368 | 1732418765-2688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2455 | XX | XX | XX |  | 27068369 | 1732418765-2210 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2455 | XX | XX | XX |  | 27068370 | 1732418765-31490 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2455 | XX | XX | XX |  | 27068371 | 1732418765-3353 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2455 | XX | XX | XX |  | 27068372 | 1732418765-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2169 | XX | XX | XX |  | 27068374 | 1732518500-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2169 | XX | XX | XX |  | 27068375 | 1732518500-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2169 | XX | XX | XX |  | 27068376 | 1732518500-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2169 | XX | XX | XX |  | 27068377 | 1732518500-2713 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2169 | XX | XX | XX |  | 27068378 | 1732518500-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2169 | XX | XX | XX |  | 27068379 | 1732518500-3141 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 1996 | XX | XX | XX |  | 27068380 | 1732418939-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1996 | XX | XX | XX |  | 27068382 | 1732418939-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1996 | XX | XX | XX |  | 27068383 | 1732418939-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1996 | XX | XX | XX |  | 27068384 | 1732418939-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1996 | XX | XX | XX |  | 27068385 | 1732418939-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1996 | XX | XX | XX |  | 27068386 | 1732418939-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1996 | XX | XX | XX |  | 27068387 | 1732418939-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1996 | XX | XX | XX |  | 27068388 | 1732418939-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1996 | XX | XX | XX |  | 27068389 | 1732418939-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1996 | XX | XX | XX |  | 27068390 | 1732418939-2688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1996 | XX | XX | XX |  | 27068391 | 1732418939-3353 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1947 | XX | XX | XX |  | 27068412 | 1732233857-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1947 | XX | XX | XX |  | 27068413 | 1732233857-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1947 | XX | XX | XX |  | 27068414 | 1732233857-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $288,850.56 is underdisclosed from calculated Finance Charge of $291,799.61 in the amount of $2,949.05. | Unable to determine under disclosure due to missing amortization schedule. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2725 | XX | XX | XX |  | 27068446 | 1732148078-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2725 | XX | XX | XX |  | 27068447 | 1732148078-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2725 | XX | XX | XX |  | 27068448 | 1732148078-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2725 | XX | XX | XX |  | 27068449 | 1732148078-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2725 | XX | XX | XX |  | 27068450 | 1732148078-2794 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2725 | XX | XX | XX |  | 27068451 | 1732148078-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2857 | XX | XX | XX |  | 27068453 | 1732233645-5440 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | No |
| 2857 | XX | XX | XX |  | 27068454 | 1732233645-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2857 | XX | XX | XX |  | 27068455 | 1732233645-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2857 | XX | XX | XX |  | 27068456 | 1732233645-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2857 | XX | XX | XX |  | 27068457 | 1732233645-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2385 | XX | XX | XX |  | 27068458 | 1732219827-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2385 | XX | XX | XX |  | 27068459 | 1732219827-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2385 | XX | XX | XX |  | 27068460 | 1732219827-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2385 | XX | XX | XX |  | 27068461 | 1732219827-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2385 | XX | XX | XX |  | 27068462 | 1732219827-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2385 | XX | XX | XX |  | 27068463 | 1732219827-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2385 | XX | XX | XX |  | 27068464 | 1732219827-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2385 | XX | XX | XX |  | 27068465 | 1732219827-2705 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2385 | XX | XX | XX |  | 27068466 | 1732219827-2773 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2877 | XX | XX | XX |  | 27068475 | 1731935066-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2877 | XX | XX | XX |  | 27068476 | 1731935066-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1915 | XX | XX | XX |  | 27068486 | 1731754937-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | VT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1915 | XX | XX | XX |  | 27068487 | 1731754937-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1915 | XX | XX | XX |  | 27068488 | 1731754937-7042 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | VT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2452 | XX | XX | XX |  | 27068526 | 1731754600-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2452 | XX | XX | XX |  | 27068527 | 1731754600-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2452 | XX | XX | XX |  | 27068528 | 1731754600-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2452 | XX | XX | XX |  | 27068529 | 1731754600-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2452 | XX | XX | XX |  | 27068530 | 1731754600-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2122 | XX | XX | XX |  | 27068532 | 1731679383-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068534 | 1731679383-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068535 | 1731679383-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068536 | 1731679383-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2013 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068537 | 1731679383-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068538 | 1731679383-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068539 | 1731679383-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068540 | 1731679383-5334 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068541 | 1731679383-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068542 | 1731679383-2688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068543 | 1731679383-3353 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068544 | 1731679383-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2122 | XX | XX | XX |  | 27068545 | 1731679383-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068546 | 1731679383-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068547 | 1731679383-1859 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068548 | 1731679383-24729 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068549 | 1731679383-4180 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 2122 | XX | XX | XX |  | 27068550 | 1731679383-20744 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - UTD | D |  |  | No |
| 1958 | XX | XX | XX |  | 27068551 | 1731718233-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1958 | XX | XX | XX |  | 27068552 | 1731718233-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1958 | XX | XX | XX |  | 27068553 | 1731718233-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1958 | XX | XX | XX |  | 27068554 | 1731718233-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1958 | XX | XX | XX |  | 27068555 | 1731718233-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1958 | XX | XX | XX |  | 27068556 | 1731718233-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1958 | XX | XX | XX |  | 27068557 | 1731718233-2773 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1958 | XX | XX | XX |  | 27068558 | 1731718233-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1958 | XX | XX | XX |  | 27068559 | 1731718233-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2898 | XX | XX | XX |  | 27068579 | 1731739243-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2898 | XX | XX | XX |  | 27068580 | 1731739243-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2898 | XX | XX | XX |  | 27068581 | 1731739243-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2898 | XX | XX | XX |  | 27068582 | 1731739243-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2898 | XX | XX | XX |  | 27068583 | 1731739243-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2404 | XX | XX | XX |  | 27068586 | 1731547369-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Investment | Refinance - Rate/Term | B |  |  | No |
| 2865 | XX | XX | XX |  | 27068605 | 1731612736-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2865 | XX | XX | XX |  | 27068607 | 1731612736-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2865 | XX | XX | XX |  | 27068608 | 1731612736-18330 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2865 | XX | XX | XX |  | 27068609 | 1731612736-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2865 | XX | XX | XX |  | 27068610 | 1731612736-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2013 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2865 | XX | XX | XX |  | 27068611 | 1731612736-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2865 | XX | XX | XX |  | 27068612 | 1731612736-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2865 | XX | XX | XX |  | 27068613 | 1731612736-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2865 | XX | XX | XX |  | 27068614 | 1731612736-5334 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2865 | XX | XX | XX |  | 27068615 | 1731612736-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2865 | XX | XX | XX |  | 27068616 | 1731612736-2688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2865 | XX | XX | XX |  | 27068617 | 1731612736-3353 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2865 | XX | XX | XX |  | 27068618 | 1731612736-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2865 | XX | XX | XX |  | 27068619 | 1731612736-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2865 | XX | XX | XX |  | 27068620 | 1731612736-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | UTD - UTD | D |  |  | No |
| 2177 | XX | XX | XX |  | 27068668 | 1731489472-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2177 | XX | XX | XX |  | 27068669 | 1731489472-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2177 | XX | XX | XX |  | 27068670 | 1731489472-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2177 | XX | XX | XX |  | 27068671 | 1731489472-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1923 | XX | XX | XX |  | 27068714 | 1731396537-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1923 | XX | XX | XX |  | 27068716 | 1731396537-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1923 | XX | XX | XX |  | 27068717 | 1731396537-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1923 | XX | XX | XX |  | 27068718 | 1731396537-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1923 | XX | XX | XX |  | 27068719 | 1731396537-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1923 | XX | XX | XX |  | 27068720 | 1731396537-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1923 | XX | XX | XX |  | 27068721 | 1731396537-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 1923 | XX | XX | XX |  | 27068722 | 1731396537-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2522 | XX | XX | XX |  | 27068641 | 1731225145-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068642 | 1731225145-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068643 | 1731225145-18330 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068644 | 1731225145-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068645 | 1731225145-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2013 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068646 | 1731225145-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068647 | 1731225145-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068648 | 1731225145-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068649 | 1731225145-5334 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068650 | 1731225145-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068651 | 1731225145-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068652 | 1731225145-2688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068653 | 1731225145-1973 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068654 | 1731225145-1976 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068655 | 1731225145-6589 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068656 | 1731225145-3353 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2522 | XX | XX | XX |  | 27068657 | 1731225145-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2522 | XX | XX | XX |  | 27068658 | 1731225145-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | UTD | UTD - UTD | D |  |  | No |
| 2291 | XX | XX | XX |  | 27068672 | 1731224082-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2291 | XX | XX | XX |  | 27068673 | 1731224082-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2291 | XX | XX | XX |  | 27068674 | 1731224082-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2291 | XX | XX | XX |  | 27068675 | 1731224082-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2291 | XX | XX | XX |  | 27068676 | 1731224082-2713 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2291 | XX | XX | XX |  | 27068677 | 1731224082-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2291 | XX | XX | XX |  | 27068678 | 1731224082-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2291 | XX | XX | XX |  | 27068679 | 1731224082-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2291 | XX | XX | XX |  | 27068680 | 1731224082-22137 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2291 | XX | XX | XX |  | 27068681 | 1731224082-7039 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2581 | XX | XX | XX |  | 27068682 | 1731430189-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2581 | XX | XX | XX |  | 27068683 | 1731430189-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2581 | XX | XX | XX |  | 27068684 | 1731430189-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2581 | XX | XX | XX |  | 27068685 | 1731430189-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2581 | XX | XX | XX |  | 27068686 | 1731430189-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068688 | 1731462509-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068689 | 1731462509-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068690 | 1731462509-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068691 | 1731462509-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068692 | 1731462509-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068693 | 1731462509-2713 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068694 | 1731462509-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068695 | 1731462509-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068696 | 1731462509-3071 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068697 | 1731462509-3074 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068698 | 1731462509-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $214,068.04 is underdisclosed from calculated Finance Charge of $215,109.37 in the amount of $1,041.33. | The TIL Itemization did not disclose a mortgage insurance reserve of $1858.05 as prepaid finance charges. Tax escrow that was included in the TIL escrows were not disclosed or collected on the HUD. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2143 | XX | XX | XX |  | 27068700 | 1731462509-3141 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068701 | 1731462509-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068702 | 1731462509-24729 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2143 | XX | XX | XX |  | 27068703 | 1731462509-20745 | 07/14/2022 | Compliance | Compliance | State Compliance | State Defect | Maryland Ability to Repay Not Verified | Maryland SB270: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068738 | 1731020760-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068739 | 1731020760-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068740 | 1731020760-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068741 | 1731020760-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068742 | 1731020760-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2126 | XX | XX | XX |  | 27068743 | 1731020760-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068744 | 1731020760-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068745 | 1731020760-2692 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068746 | 1731020760-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068747 | 1731020760-2695 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Term on Final GFE Inaccurate | RESPA (2010): Loan Term on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068748 | 1731020760-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068749 | 1731020760-2713 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068750 | 1731020760-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068751 | 1731020760-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068752 | 1731020760-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068753 | 1731020760-1859 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068754 | 1731020760-20744 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068755 | 1731020760-3070 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2126 | XX | XX | XX |  | 27068756 | 1731020760-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2349 | XX | XX | XX |  | 27068779 | 1730925548-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2349 | XX | XX | XX |  | 27068780 | 1730925548-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2349 | XX | XX | XX |  | 27068781 | 1730925548-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2349 | XX | XX | XX |  | 27068782 | 1730925548-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2349 | XX | XX | XX |  | 27068783 | 1730925548-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2349 | XX | XX | XX |  | 27068784 | 1730925548-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2349 | XX | XX | XX |  | 27068785 | 1730925548-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2349 | XX | XX | XX |  | 27068786 | 1730925548-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2349 | XX | XX | XX |  | 27068787 | 1730925548-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2349 | XX | XX | XX |  | 27068788 | 1730925548-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2349 | XX | XX | XX |  | 27068789 | 1730925548-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2075 | XX | XX | XX |  | 27068790 | 1730951218-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2075 | XX | XX | XX |  | 27068791 | 1730951218-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2075 | XX | XX | XX |  | 27068792 | 1730951218-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2075 | XX | XX | XX |  | 27068793 | 1730951218-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2075 | XX | XX | XX |  | 27068794 | 1730951218-2713 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2075 | XX | XX | XX |  | 27068795 | 1730951218-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2075 | XX | XX | XX |  | 27068796 | 1730951218-2688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2176 | XX | XX | XX |  | 27068798 | 1730818665-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2176 | XX | XX | XX |  | 27068799 | 1730818665-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2176 | XX | XX | XX |  | 27068800 | 1730818665-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2176 | XX | XX | XX |  | 27068801 | 1730818665-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2176 | XX | XX | XX |  | 27068802 | 1730818665-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2176 | XX | XX | XX |  | 27068803 | 1730818665-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2176 | XX | XX | XX |  | 27068804 | 1730818665-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2176 | XX | XX | XX |  | 27068805 | 1730818665-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2176 | XX | XX | XX |  | 27068806 | 1730818665-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2814 | XX | XX | XX |  | 27068808 | 1730816213-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 2814 | XX | XX | XX |  | 27068809 | 1730816213-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 2814 | XX | XX | XX |  | 27068810 | 1730816213-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 2814 | XX | XX | XX |  | 27068811 | 1730816213-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 2814 | XX | XX | XX |  | 27068812 | 1730816213-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2814 | XX | XX | XX |  | 27068813 | 1730816213-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 2814 | XX | XX | XX |  | 27068814 | 1730816213-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 2814 | XX | XX | XX |  | 27068815 | 1730816213-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 2814 | XX | XX | XX |  | 27068816 | 1730816213-20779 | 07/14/2022 | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Ability to Repay not Verified) | Nevada Home Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 2137 | XX | XX | XX |  | 27068817 | 1730818449-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2137 | XX | XX | XX |  | 27068818 | 1730818449-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2137 | XX | XX | XX |  | 27068819 | 1730818449-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2137 | XX | XX | XX |  | 27068820 | 1730818449-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2137 | XX | XX | XX |  | 27068821 | 1730818449-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2137 | XX | XX | XX |  | 27068822 | 1730818449-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2137 | XX | XX | XX |  | 27068823 | 1730818449-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2137 | XX | XX | XX |  | 27068824 | 1730818449-2705 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2137 | XX | XX | XX |  | 27068825 | 1730818449-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2137 | XX | XX | XX |  | 27068826 | 1730818449-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2137 | XX | XX | XX |  | 27068827 | 1730818449-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2137 | XX | XX | XX |  | 27068828 | 1730818449-1859 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2137 | XX | XX | XX |  | 27068829 | 1730818449-20744 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2137 | XX | XX | XX |  | 27068830 | 1730818449-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2137 | XX | XX | XX |  | 27068831 | 1730818449-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2344 | XX | XX | XX |  | 27068833 | 1730816980-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2344 | XX | XX | XX |  | 27068834 | 1730816980-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2344 | XX | XX | XX |  | 27068835 | 1730816980-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2344 | XX | XX | XX |  | 27068836 | 1730816980-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2344 | XX | XX | XX |  | 27068837 | 1730816980-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2344 | XX | XX | XX |  | 27068838 | 1730816980-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2344 | XX | XX | XX |  | 27068839 | 1730816980-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2344 | XX | XX | XX |  | 27068840 | 1730816980-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2344 | XX | XX | XX |  | 27068841 | 1730816980-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2344 | XX | XX | XX |  | 27068842 | 1730816980-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2344 | XX | XX | XX |  | 27068843 | 1730816980-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2344 | XX | XX | XX |  | 27068844 | 1730816980-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2344 | XX | XX | XX |  | 27068845 | 1730816980-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2350 | XX | XX | XX |  | 27068848 | 1730817702-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2350 | XX | XX | XX |  | 27068849 | 1730817702-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2350 | XX | XX | XX |  | 27068850 | 1730817702-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2350 | XX | XX | XX |  | 27068851 | 1730817702-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2350 | XX | XX | XX |  | 27068852 | 1730817702-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2350 | XX | XX | XX |  | 27068853 | 1730817702-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2350 | XX | XX | XX |  | 27068854 | 1730817702-2692 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2350 | XX | XX | XX |  | 27068855 | 1730817702-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2350 | XX | XX | XX |  | 27068856 | 1730817702-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2350 | XX | XX | XX |  | 27068857 | 1730817702-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2350 | XX | XX | XX |  | 27068858 | 1730817702-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2350 | XX | XX | XX |  | 27068859 | 1730817702-3070 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2350 | XX | XX | XX |  | 27068860 | 1730817702-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2350 | XX | XX | XX |  | 27068861 | 1730817702-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2786 | XX | XX | XX |  | 27068862 | 1730711543-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2786 | XX | XX | XX |  | 27068863 | 1730711543-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2786 | XX | XX | XX |  | 27068864 | 1730711543-5428 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2786 | XX | XX | XX |  | 27068865 | 1730711543-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2786 | XX | XX | XX |  | 27068866 | 1730711543-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2786 | XX | XX | XX |  | 27068867 | 1730711543-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2786 | XX | XX | XX |  | 27068868 | 1730711543-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2786 | XX | XX | XX |  | 27068869 | 1730711543-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2786 | XX | XX | XX |  | 27068870 | 1730711543-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2786 | XX | XX | XX |  | 27068872 | 1730711543-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068874 | 1730714561-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068875 | 1730714561-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068876 | 1730714561-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068877 | 1730714561-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068878 | 1730714561-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068879 | 1730714561-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068880 | 1730714561-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068881 | 1730714561-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068882 | 1730714561-5430 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2792 | XX | XX | XX |  | 27068883 | 1730714561-5432 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2792 | XX | XX | XX |  | 27068884 | 1730714561-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068885 | 1730714561-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068886 | 1730714561-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068887 | 1730714561-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068888 | 1730714561-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068889 | 1730714561-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068890 | 1730714561-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068891 | 1730714561-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068892 | 1730714561-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2792 | XX | XX | XX |  | 27068893 | 1730714561-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $143,563.79 is underdisclosed from calculated Finance Charge of $143,795.60 in the amount of $231.81. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2792 | XX | XX | XX |  | 27068894 | 1730714561-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2513 | XX | XX | XX |  | 27068896 | 1730712807-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2513 | XX | XX | XX |  | 27068897 | 1730712807-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2513 | XX | XX | XX |  | 27068898 | 1730712807-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2513 | XX | XX | XX |  | 27068899 | 1730712807-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2513 | XX | XX | XX |  | 27068900 | 1730712807-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2513 | XX | XX | XX |  | 27068901 | 1730712807-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2513 | XX | XX | XX |  | 27068902 | 1730712807-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2513 | XX | XX | XX |  | 27068903 | 1730712807-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2513 | XX | XX | XX |  | 27068904 | 1730712807-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2513 | XX | XX | XX |  | 27068905 | 1730712807-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2513 | XX | XX | XX |  | 27068906 | 1730712807-1973 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2513 | XX | XX | XX |  | 27068907 | 1730712807-1976 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2513 | XX | XX | XX |  | 27068908 | 1730712807-6589 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2513 | XX | XX | XX |  | 27068909 | 1730712807-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2167 | XX | XX | XX |  | 27068918 | 1730989519-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068919 | 1730989519-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068920 | 1730989519-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068921 | 1730989519-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068922 | 1730989519-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068923 | 1730989519-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068924 | 1730989519-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068925 | 1730989519-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068926 | 1730989519-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2167 | XX | XX | XX |  | 27068927 | 1730989519-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068928 | 1730989519-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068929 | 1730989519-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068930 | 1730989519-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068931 | 1730989519-2794 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068932 | 1730989519-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068933 | 1730989519-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068934 | 1730989519-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068935 | 1730989519-3071 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068936 | 1730989519-3074 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2167 | XX | XX | XX |  | 27068937 | 1730989519-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2167 | XX | XX | XX |  | 27068938 | 1730989519-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2399 | XX | XX | XX |  | 27069047 | 1730603893-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2399 | XX | XX | XX |  | 27069048 | 1730603893-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2399 | XX | XX | XX |  | 27069049 | 1730603893-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2399 | XX | XX | XX |  | 27069050 | 1730603893-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2399 | XX | XX | XX |  | 27069051 | 1730603893-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2399 | XX | XX | XX |  | 27069052 | 1730603893-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2399 | XX | XX | XX |  | 27069053 | 1730603893-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2399 | XX | XX | XX |  | 27069054 | 1730603893-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2399 | XX | XX | XX |  | 27069055 | 1730603893-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2399 | XX | XX | XX |  | 27069056 | 1730603893-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2399 | XX | XX | XX |  | 27069057 | 1730603893-770 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2399 | XX | XX | XX |  | 27069059 | 1730603893-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2576 | XX | XX | XX |  | 27068994 | 1730663096-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2576 | XX | XX | XX |  | 27068995 | 1730663096-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2576 | XX | XX | XX |  | 27068996 | 1730663096-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2576 | XX | XX | XX |  | 27068997 | 1730663096-5430 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2576 | XX | XX | XX |  | 27068998 | 1730663096-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2576 | XX | XX | XX |  | 27068999 | 1730663096-5432 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2576 | XX | XX | XX |  | 27069000 | 1730663096-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2576 | XX | XX | XX |  | 27069001 | 1730663096-2685 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2576 | XX | XX | XX |  | 27069002 | 1730663096-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2576 | XX | XX | XX |  | 27069003 | 1730663096-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2576 | XX | XX | XX |  | 27069004 | 1730663096-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2576 | XX | XX | XX |  | 27069005 | 1730663096-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2576 | XX | XX | XX |  | 27069006 | 1730663096-20735 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2576 | XX | XX | XX |  | 27069007 | 1730663096-1992 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2576 | XX | XX | XX |  | 27069008 | 1730663096-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2292 | XX | XX | XX |  | 27069009 | 1730399568-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2292 | XX | XX | XX |  | 27069010 | 1730399568-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2292 | XX | XX | XX |  | 27069011 | 1730399568-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2292 | XX | XX | XX |  | 27069012 | 1730399568-5431 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2292 | XX | XX | XX |  | 27069013 | 1730399568-2684 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2292 | XX | XX | XX |  | 27069014 | 1730399568-2694 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2292 | XX | XX | XX |  | 27069015 | 1730399568-2696 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2292 | XX | XX | XX |  | 27069016 | 1730399568-7087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2292 | XX | XX | XX |  | 27069017 | 1730399568-3063 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2292 | XX | XX | XX |  | 27069018 | 1730399568-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2166 | XX | XX | XX |  | 27069020 | 1730468226-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 2166 | XX | XX | XX |  | 27069021 | 1730468226-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2012 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 2166 | XX | XX | XX |  | 27069022 | 1730468226-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 2166 | XX | XX | XX |  | 27069023 | 1730468226-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 2166 | XX | XX | XX |  | 27069024 | 1730468226-5334 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 2166 | XX | XX | XX |  | 27069025 | 1730468226-28193 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 2166 | XX | XX | XX |  | 27069026 | 1730468226-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 2166 | XX | XX | XX |  | 27069027 | 1730468226-2688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 2166 | XX | XX | XX |  | 27069028 | 1730468226-3353 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 2166 | XX | XX | XX |  | 27069029 | 1730468226-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2166 | XX | XX | XX |  | 27069030 | 1730468226-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 2166 | XX | XX | XX |  | 27069031 | 1730468226-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 2166 | XX | XX | XX |  | 27069032 | 1730468226-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 2166 | XX | XX | XX |  | 27069033 | 1730468226-5681 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Tangible Net Benefit Test | Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 2831 | XX | XX | XX |  | 27069036 | 1730481576-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2831 | XX | XX | XX |  | 27069037 | 1730481576-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2831 | XX | XX | XX |  | 27069038 | 1730481576-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2831 | XX | XX | XX |  | 27069039 | 1730481576-28193 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2831 | XX | XX | XX |  | 27069040 | 1730481576-3141 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2831 | XX | XX | XX |  | 27069041 | 1730481576-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2831 | XX | XX | XX |  | 27069042 | 1730481576-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2831 | XX | XX | XX |  | 27069043 | 1730481576-2688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2831 | XX | XX | XX |  | 27069044 | 1730481576-3078 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2831 | XX | XX | XX |  | 27069045 | 1730481576-3079 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2808 | XX | XX | XX |  | 27069060 | 1730280320-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2808 | XX | XX | XX |  | 27069061 | 1730280320-5428 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Second Home | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2808 | XX | XX | XX |  | 27069062 | 1730280320-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2808 | XX | XX | XX |  | 27069063 | 1730280320-2685 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2808 | XX | XX | XX |  | 27069064 | 1730280320-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2808 | XX | XX | XX |  | 27069065 | 1730280320-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2808 | XX | XX | XX |  | 27069066 | 1730280320-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2808 | XX | XX | XX |  | 27069067 | 1730280320-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2808 | XX | XX | XX |  | 27069068 | 1730280320-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2808 | XX | XX | XX |  | 27069069 | 1730280320-20779 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Ability to Repay not Verified) | Nevada Home Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2743 | XX | XX | XX |  | 27069071 | 1730225087-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2743 | XX | XX | XX |  | 27069072 | 1730225087-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2743 | XX | XX | XX |  | 27069073 | 1730225087-6514 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2743 | XX | XX | XX |  | 27069074 | 1730225087-5437 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2743 | XX | XX | XX |  | 27069075 | 1730225087-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2743 | XX | XX | XX |  | 27069076 | 1730225087-2685 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2743 | XX | XX | XX |  | 27069077 | 1730225087-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2743 | XX | XX | XX |  | 27069078 | 1730225087-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2743 | XX | XX | XX |  | 27069079 | 1730225087-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2743 | XX | XX | XX |  | 27069080 | 1730225087-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2743 | XX | XX | XX |  | 27069081 | 1730225087-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2743 | XX | XX | XX |  | 27069082 | 1730225087-3079 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2743 | XX | XX | XX |  | 27069083 | 1730225087-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $52,522.11 is underdisclosed from calculated Finance Charge of $52,839.14 in the amount of $317.03. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2743 | XX | XX | XX |  | 27069084 | 1730225087-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2743 | XX | XX | XX |  | 27069085 | 1730225087-770 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069086 | 1730262628-770 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069087 | 1730262628-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069088 | 1730262628-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069089 | 1730262628-6514 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069090 | 1730262628-5437 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069091 | 1730262628-5438 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069092 | 1730262628-5430 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2408 | XX | XX | XX |  | 27069093 | 1730262628-5431 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2408 | XX | XX | XX |  | 27069094 | 1730262628-5432 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2408 | XX | XX | XX |  | 27069095 | 1730262628-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069096 | 1730262628-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069097 | 1730262628-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069098 | 1730262628-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069099 | 1730262628-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069100 | 1730262628-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069101 | 1730262628-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2408 | XX | XX | XX |  | 27069102 | 1730262628-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2770 | XX | XX | XX |  | 27069114 | 1730224655-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2770 | XX | XX | XX |  | 27069115 | 1730224655-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2770 | XX | XX | XX |  | 27069116 | 1730224655-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2770 | XX | XX | XX |  | 27069117 | 1730224655-5438 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2770 | XX | XX | XX |  | 27069118 | 1730224655-5432 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2770 | XX | XX | XX |  | 27069119 | 1730224655-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2770 | XX | XX | XX |  | 27069120 | 1730224655-2692 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2770 | XX | XX | XX |  | 27069121 | 1730224655-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2770 | XX | XX | XX |  | 27069122 | 1730224655-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2770 | XX | XX | XX |  | 27069123 | 1730224655-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2770 | XX | XX | XX |  | 27069124 | 1730224655-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2770 | XX | XX | XX |  | 27069125 | 1730224655-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2770 | XX | XX | XX |  | 27069126 | 1730224655-2788 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2770 | XX | XX | XX |  | 27069127 | 1730224655-3488 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Colorado MLO Licensing Act - NMLS ID not on 1003 | Colorado Mortgage Loan Originator Licensing Act: Loan originator NMLS identifier is not clearly displayed on loan application. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2770 | XX | XX | XX |  | 27069128 | 1730224655-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2770 | XX | XX | XX |  | 27069129 | 1730224655-5430 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2770 | XX | XX | XX |  | 27069130 | 1730224655-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $250,918.01 is underdisclosed from calculated Finance Charge of $251,002.89 in the amount of $84.88. | Under disclosure is due to the lender's TIL reflecting MI being in force for 136 months, however based on the loan amount and appraised value the MI would be in force for 137 months. |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1980 | XX | XX | XX |  | 27069145 | 1730148892-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Investment | Refinance - Rate/Term | B |  |  | No |
| 2389 | XX | XX | XX |  | 27069146 | 1730154267-3350 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: Interest rate available through date not provided. | GFE Date: 07/XX/2012 Interest Rate Available Through Date is blank for GFE dated 07/XX/2012. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2389 | XX | XX | XX |  | 27069147 | 1730154267-770 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2389 | XX | XX | XX |  | 27069148 | 1730154267-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2389 | XX | XX | XX |  | 27069149 | 1730154267-5434 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2389 | XX | XX | XX |  | 27069150 | 1730154267-6509 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2389 | XX | XX | XX |  | 27069151 | 1730154267-2773 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2389 | XX | XX | XX |  | 27069152 | 1730154267-18362 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2335 | XX | XX | XX |  | 27069162 | 1717361565-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2335 | XX | XX | XX |  | 27069163 | 1717361565-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2335 | XX | XX | XX |  | 27069164 | 1717361565-3141 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2335 | XX | XX | XX |  | 27069165 | 1717361565-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2335 | XX | XX | XX |  | 27069166 | 1717361565-2688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2335 | XX | XX | XX |  | 27069167 | 1717361565-5434 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2335 | XX | XX | XX |  | 27069168 | 1717361565-3078 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2516 | XX | XX | XX |  | 27069170 | 1717096532-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2516 | XX | XX | XX |  | 27069171 | 1717096532-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2516 | XX | XX | XX |  | 27069172 | 1717096532-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2516 | XX | XX | XX |  | 27069173 | 1717096532-27758 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Federal LO Compensation Dual Compensation Pre-Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2516 | XX | XX | XX |  | 27069174 | 1717096532-28193 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2516 | XX | XX | XX |  | 27069175 | 1717096532-2685 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2516 | XX | XX | XX |  | 27069176 | 1717096532-2687 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2516 | XX | XX | XX |  | 27069177 | 1717096532-3141 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2516 | XX | XX | XX |  | 27069178 | 1717096532-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2516 | XX | XX | XX |  | 27069179 | 1717096532-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2516 | XX | XX | XX |  | 27069180 | 1717096532-3078 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2516 | XX | XX | XX |  | 27069181 | 1717096532-3070 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2053 | XX | XX | XX |  | 27069192 | 1716839276-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2053 | XX | XX | XX |  | 27069193 | 1716839276-5434 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2053 | XX | XX | XX |  | 27069194 | 1716839276-6514 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2053 | XX | XX | XX |  | 27069195 | 1716839276-5437 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2053 | XX | XX | XX |  | 27069196 | 1716839276-6509 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2053 | XX | XX | XX |  | 27069197 | 1716839276-28193 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2053 | XX | XX | XX |  | 27069198 | 1716839276-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2053 | XX | XX | XX |  | 27069199 | 1716839276-2687 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2053 | XX | XX | XX |  | 27069200 | 1716839276-2691 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2053 | XX | XX | XX |  | 27069201 | 1716839276-18362 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2053 | XX | XX | XX |  | 27069202 | 1716839276-3353 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1983 | XX | XX | XX |  | 27069203 | 1716879392-6514 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1983 | XX | XX | XX |  | 27069204 | 1716879392-5437 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1983 | XX | XX | XX |  | 27069205 | 1716879392-5438 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1983 | XX | XX | XX |  | 27069206 | 1716879392-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1983 | XX | XX | XX |  | 27069207 | 1716879392-2685 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1983 | XX | XX | XX |  | 27069208 | 1716879392-2687 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1983 | XX | XX | XX |  | 27069209 | 1716879392-2692 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1983 | XX | XX | XX |  | 27069210 | 1716879392-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1983 | XX | XX | XX |  | 27069211 | 1716879392-2773 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2298 | XX | XX | XX |  | 27069212 | 1716878176-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2298 | XX | XX | XX |  | 27069213 | 1716878176-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2298 | XX | XX | XX |  | 27069214 | 1716878176-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2855 | XX | XX | XX |  | 27069220 | 1716151492-25158 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2855 | XX | XX | XX |  | 27069221 | 1716151492-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2855 | XX | XX | XX |  | 27069222 | 1716151492-5434 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2855 | XX | XX | XX |  | 27069223 | 1716151492-6514 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2855 | XX | XX | XX |  | 27069224 | 1716151492-5437 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2855 | XX | XX | XX |  | 27069225 | 1716151492-6509 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2855 | XX | XX | XX |  | 27069226 | 1716151492-5438 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2855 | XX | XX | XX |  | 27069227 | 1716151492-28193 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2855 | XX | XX | XX |  | 27069228 | 1716151492-2687 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2855 | XX | XX | XX |  | 27069229 | 1716151492-18362 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2855 | XX | XX | XX |  | 27069230 | 1716151492-3078 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2855 | XX | XX | XX |  | 27069231 | 1716151492-3079 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2915 | XX | XX | XX |  | 27069244 | 1716292757-5435 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2915 | XX | XX | XX |  | 27069245 | 1716292757-5438 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2915 | XX | XX | XX |  | 27069246 | 1716292757-2684 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2915 | XX | XX | XX |  | 27069247 | 1716292757-2685 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2915 | XX | XX | XX |  | 27069248 | 1716292757-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2915 | XX | XX | XX |  | 27069249 | 1716292757-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2915 | XX | XX | XX |  | 27069250 | 1716292757-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2915 | XX | XX | XX |  | 27069251 | 1716292757-2499 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) | Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2915 | XX | XX | XX |  | 27069252 | 1716292757-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2915 | XX | XX | XX |  | 27069253 | 1716292757-3063 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2541 | XX | XX | XX |  | 27069254 | 1715940943-6514 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2541 | XX | XX | XX |  | 27069255 | 1715940943-5437 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2541 | XX | XX | XX |  | 27069256 | 1715940943-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2541 | XX | XX | XX |  | 27069257 | 1715940943-7039 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2002 | XX | XX | XX |  | 27069258 | 1715951524-2687 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2002 | XX | XX | XX |  | 27069259 | 1715951524-2694 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2002 | XX | XX | XX |  | 27069260 | 1715951524-2696 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2002 | XX | XX | XX |  | 27069261 | 1715951524-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2002 | XX | XX | XX |  | 27069262 | 1715951524-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2002 | XX | XX | XX |  | 27069263 | 1715951524-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2002 | XX | XX | XX |  | 27069264 | 1715951524-18362 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2002 | XX | XX | XX |  | 27069266 | 1715951524-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2423 | XX | XX | XX |  | 27069269 | 1715169441-7039 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1931 | XX | XX | XX |  | 27069270 | 1715222069-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1931 | XX | XX | XX |  | 27069271 | 1715222069-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1931 | XX | XX | XX |  | 27069272 | 1715222069-7042 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1931 | XX | XX | XX |  | 27069273 | 1715222069-2691 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2013 | XX | XX | XX |  | 27069274 | 1713898769-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2013 | XX | XX | XX |  | 27069275 | 1713898769-3141 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2747 | XX | XX | XX |  | 27069276 | 1713702019-5434 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company not licensed at time of application | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2747 | XX | XX | XX |  | 27069277 | 1713702019-2687 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2747 | XX | XX | XX |  | 27069278 | 1713702019-3141 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2282 | XX | XX | XX |  | 27069284 | 1713489077-25158 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2282 | XX | XX | XX |  | 27069285 | 1713489077-2684 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2282 | XX | XX | XX |  | 27069286 | 1713489077-2687 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2282 | XX | XX | XX |  | 27069287 | 1713489077-2691 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2282 | XX | XX | XX |  | 27069288 | 1713489077-3063 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2282 | XX | XX | XX |  | 27069289 | 1713489077-3078 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2282 | XX | XX | XX |  | 27069290 | 1713489077-22137 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2546 | XX | XX | XX |  | 27069313 | 1712312265-25158 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2546 | XX | XX | XX |  | 27069314 | 1712312265-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2785 | XX | XX | XX |  | 27069315 | 1712283567-2687 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2785 | XX | XX | XX |  | 27069316 | 1712283567-2691 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2785 | XX | XX | XX |  | 27069317 | 1712283567-2706 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2785 | XX | XX | XX |  | 27069318 | 1712283567-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2785 | XX | XX | XX |  | 27069319 | 1712283567-18362 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2785 | XX | XX | XX |  | 27069320 | 1712283567-3078 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2785 | XX | XX | XX |  | 27069321 | 1712283567-22050 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2052 | XX | XX | XX |  | 27069322 | 1711564168-5430 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2052 | XX | XX | XX |  | 27069323 | 1711564168-5432 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2052 | XX | XX | XX |  | 27069324 | 1711564168-7087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2052 | XX | XX | XX |  | 27069325 | 1711564168-3078 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2052 | XX | XX | XX |  | 27069326 | 1711564168-3079 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2052 | XX | XX | XX |  | 27069327 | 1711564168-2713 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2052 | XX | XX | XX |  | 27069328 | 1711564168-24983 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2052 | XX | XX | XX |  | 27069329 | 1711564168-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2047 | XX | XX | XX |  | 27069330 | 1711466202-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2047 | XX | XX | XX |  | 27069331 | 1711466202-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2047 | XX | XX | XX |  | 27069332 | 1711466202-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $227,103.46 is underdisclosed from calculated Finance Charge of $227,158.65 in the amount of $55.19. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2406 | XX | XX | XX |  | 27069341 | 1710378066-611 | 06/21/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2406 | XX | XX | XX |  | 27069342 | 1710378066-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2406 | XX | XX | XX |  | 27069343 | 1710378066-3353 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2406 | XX | XX | XX |  | 27069344 | 1710378066-22050 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2827 | XX | XX | XX |  | 27069345 | 1710299538-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2827 | XX | XX | XX |  | 27069346 | 1710299538-3078 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2015 | XX | XX | XX |  | 27069347 | 1710163195-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2015 | XX | XX | XX |  | 27069348 | 1710163195-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2302 | XX | XX | XX |  | 27069351 | 1709496431-4087 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2044 | XX | XX | XX |  | 27069360 | 1709462828-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2903 | XX | XX | XX |  | 27069361 | 1709495679-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | B |  |  | No |
| 2670 | XX | XX | XX |  | 27069390 | 1709344189-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2670 | XX | XX | XX |  | 27069391 | 1709344189-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2670 | XX | XX | XX |  | 27069392 | 1709344189-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2670 | XX | XX | XX |  | 27069393 | 1709344189-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2224 | XX | XX | XX |  | 27069383 | 1708855571-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2224 | XX | XX | XX |  | 27069384 | 1708855571-5791 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2224 | XX | XX | XX |  | 27069385 | 1708855571-5662 | 06/21/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina CHL Complaint Agency Disclosure Timing Test | South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2224 | XX | XX | XX |  | 27069387 | 1708855571-2647 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2575 | XX | XX | XX |  | 27069362 | 1708669201-20787 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | Minnesota Residential Mortgage Originator and Servicer Licensing Act: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and max balance, if applicable. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2575 | XX | XX | XX |  | 27069363 | 1708669201-2666 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2009, prior to three (3) business days from transaction date of 02/XX/2009. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2575 | XX | XX | XX |  | 27069364 | 1708669201-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2575 | XX | XX | XX |  | 27069365 | 1708669201-2647 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2200 | XX | XX | XX |  | 27069369 | 1708354297-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2200 | XX | XX | XX |  | 27069370 | 1708354297-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2250 | XX | XX | XX |  | 27069373 | 1708269681-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | D |  |  | No |
| 2250 | XX | XX | XX |  | 27069375 | 1708269681-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2009 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | D |  |  | No |
| 2250 | XX | XX | XX |  | 27069376 | 1708269681-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | GA | Primary | Refinance - UTD | D |  |  | No |
| 2250 | XX | XX | XX |  | 27069377 | 1708269681-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | D |  |  | No |
| 2250 | XX | XX | XX |  | 27069378 | 1708269681-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | D |  |  | No |
| 2250 | XX | XX | XX |  | 27069379 | 1708269681-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2250 | XX | XX | XX |  | 27069380 | 1708269681-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | D |  |  | No |
| 2250 | XX | XX | XX |  | 27069382 | 1708269681-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | D |  |  | No |
| 2619 | XX | XX | XX |  | 27069397 | 1708141066-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 2226 | XX | XX | XX |  | 27069414 | 1707583348-2778 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2226 | XX | XX | XX |  | 27069415 | 1707583348-7039 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2435 | XX | XX | XX |  | 27069417 | 1707683889-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Purchase | B |  |  | No |
| 2628 | XX | XX | XX |  | 27069440 | 1707303568-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 2628 | XX | XX | XX |  | 27069441 | 1707303568-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 2064 | XX | XX | XX |  | 27069444 | 1707267487-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2064 | XX | XX | XX |  | 27069445 | 1707267487-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2064 | XX | XX | XX |  | 27069446 | 1707267487-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2064 | XX | XX | XX |  | 27069447 | 1707267487-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2064 | XX | XX | XX |  | 27069448 | 1707267487-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2064 | XX | XX | XX |  | 27069449 | 1707267487-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2064 | XX | XX | XX |  | 27069450 | 1707267487-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2699 | XX | XX | XX |  | 27069453 | 1707058921-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2699 | XX | XX | XX |  | 27069454 | 1707058921-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TX | Primary | Purchase | D |  |  | No |
| 2699 | XX | XX | XX |  | 27069455 | 1707058921-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2316 | XX | XX | XX |  | 27069494 | 1706590272-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2003 | XX | XX | XX |  | 27069495 | 1706787466-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2003 | XX | XX | XX |  | 27069496 | 1706787466-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1987 | XX | XX | XX |  | 27069500 | 1706495598-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 2317 | XX | XX | XX |  | 27069517 | 1706937667-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2583 | XX | XX | XX |  | 27069519 | 1706529048-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 2583 | XX | XX | XX |  | 27069520 | 1706529048-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 2880 | XX | XX | XX |  | 27069525 | 1706566026-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2880 | XX | XX | XX |  | 27069526 | 1706566026-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2446 | XX | XX | XX |  | 27069528 | 1706340760-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2446 | XX | XX | XX |  | 27069529 | 1706340760-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2446 | XX | XX | XX |  | 27069530 | 1706340760-20729 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2446 | XX | XX | XX |  | 27069531 | 1706340760-2210 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2446 | XX | XX | XX |  | 27069532 | 1706340760-2223 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2378 | XX | XX | XX |  | 27069538 | 1706398682-24272 | 06/27/2022 | Compliance | Compliance | State Compliance | State Late Charge | Alabama Late Charge Percent and Amount Testing | Alabama Late Charge: Note late charge amount of $113.21 exceeds the state maximum of $100. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1950 | XX | XX | XX |  | 27069539 | 1706862035-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1950 | XX | XX | XX |  | 27069541 | 1706862035-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1950 | XX | XX | XX |  | 27069542 | 1706862035-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 2041 | XX | XX | XX |  | 27069547 | 1706312211-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $379,738.81 is underdisclosed from calculated Finance Charge of $379,873.27 in the amount of $134.46. | Unable to determine underdisclosure due to missing Fee Itemization. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2760 | XX | XX | XX |  | 27069557 | 1706122379-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2760 | XX | XX | XX |  | 27069558 | 1706122379-2647 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2412 | XX | XX | XX |  | 27069561 | 4005807291-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2412 | XX | XX | XX |  | 27069562 | 4005807291-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2736 | XX | XX | XX |  | 27069564 | 1705931277-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Second Home | Purchase | B |  |  | No |
| 2736 | XX | XX | XX |  | 27069565 | 1705931277-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Second Home | Purchase | B |  |  | No |
| 2736 | XX | XX | XX |  | 27069566 | 1705931277-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Second Home | Purchase | B |  |  | No |
| 1944 | XX | XX | XX |  | 27069567 | 4005777497-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1944 | XX | XX | XX |  | 27069568 | 4005777497-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1944 | XX | XX | XX |  | 27069569 | 4005777497-24983 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2038 | XX | XX | XX |  | 27069570 | 1706070307-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2038 | XX | XX | XX |  | 27069571 | 1706070307-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2038 | XX | XX | XX |  | 27069572 | 1706070307-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2539 | XX | XX | XX |  | 27069575 | 4005766138-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2692 | XX | XX | XX |  | 27069578 | 1706007799-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 2377 | XX | XX | XX |  | 27069582 | 1706180565-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2228 | XX | XX | XX |  | 27069588 | 1706025650-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2228 | XX | XX | XX |  | 27069590 | 1706025650-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2228 | XX | XX | XX |  | 27069591 | 1706025650-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2228 | XX | XX | XX |  | 27069592 | 1706025650-2778 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2228 | XX | XX | XX |  | 27069593 | 1706025650-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2869 | XX | XX | XX |  | 27069599 | 1705903374-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2234 | XX | XX | XX |  | 27069600 | 1705751545-2778 | 06/21/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2712 | XX | XX | XX |  | 27069603 | 1705726641-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2712 | XX | XX | XX |  | 27069604 | 1705726641-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2084 | XX | XX | XX |  | 27069605 | 1705888378-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2084 | XX | XX | XX |  | 27069606 | 1705888378-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2084 | XX | XX | XX |  | 27069607 | 1705888378-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2127 | XX | XX | XX |  | 27069626 | 1705739347-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2127 | XX | XX | XX |  | 27069627 | 1705739347-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2100 | XX | XX | XX |  | 27069629 | 1705787266-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2594 | XX | XX | XX |  | 27069639 | 1705490539-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2594 | XX | XX | XX |  | 27069640 | 1705490539-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2594 | XX | XX | XX |  | 27069641 | 1705490539-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $302,577.45 is underdisclosed from calculated Finance Charge of $302,822.45 in the amount of $245.00. | TIL itemization did not disclose a $200 subordination fee, a $25 email fee or $50 of the $200 settlement fee as prepaid finance charge. In addition, TIL itemization over disclosed courier fee $30. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2442 | XX | XX | XX |  | 27069642 | 1705865480-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2442 | XX | XX | XX |  | 27069643 | 1705865480-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2442 | XX | XX | XX |  | 27069644 | 1705865480-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2442 | XX | XX | XX |  | 27069645 | 1705865480-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2442 | XX | XX | XX |  | 27069646 | 1705865480-2210 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2442 | XX | XX | XX |  | 27069647 | 1705865480-31490 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2442 | XX | XX | XX |  | 27069648 | 1705865480-2223 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2173 | XX | XX | XX |  | 27069650 | 1705608089-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2009 | XX | XX | XX |  | 27069652 | 1705584701-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2009 | XX | XX | XX |  | 27069653 | 1705584701-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2009 | XX | XX | XX |  | 27069654 | 1705584701-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2009 | XX | XX | XX |  | 27069655 | 1705584701-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $558,002.65 is underdisclosed from calculated Finance Charge of $560,771.80 in the amount of $2,769.15. | Unable to determine due to missing final TIL Itemization |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2886 | XX | XX | XX |  | 27069658 | 1705473159-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2886 | XX | XX | XX |  | 27069659 | 1705473159-28240 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2322 | XX | XX | XX |  | 27069664 | 4005709961-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2322 | XX | XX | XX |  | 27069665 | 4005709961-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2322 | XX | XX | XX |  | 27069666 | 4005709961-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2896 | XX | XX | XX |  | 27069668 | 1705405226-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2896 | XX | XX | XX |  | 27069669 | 1705405226-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2896 | XX | XX | XX |  | 27069670 | 1705405226-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1889 | XX | XX | XX |  | 27069671 | 4005875784-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1889 | XX | XX | XX |  | 27069672 | 4005875784-24490 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1889 | XX | XX | XX |  | 27069673 | 4005875784-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1889 | XX | XX | XX |  | 27069675 | 4005875784-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2586 | XX | XX | XX |  | 27069680 | 1706414744-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2586 | XX | XX | XX |  | 27069681 | 1706414744-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2586 | XX | XX | XX |  | 27069682 | 1706414744-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2586 | XX | XX | XX |  | 27069683 | 1706414744-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2586 | XX | XX | XX |  | 27069684 | 1706414744-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2586 | XX | XX | XX |  | 27069685 | 1706414744-6306 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2586 | XX | XX | XX |  | 27069686 | 1706414744-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2586 | XX | XX | XX |  | 27069687 | 1706414744-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file is indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2081 | XX | XX | XX |  | 27069690 | 4005651846-611 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2081 | XX | XX | XX |  | 27069691 | 4005651846-28241 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2081 | XX | XX | XX |  | 27069692 | 4005651846-22050 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2767 | XX | XX | XX |  | 27069699 | 1705387147-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2767 | XX | XX | XX |  | 27069700 | 1705387147-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2767 | XX | XX | XX |  | 27069701 | 1705387147-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2866 | XX | XX | XX |  | 27069703 | 1705528564-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2866 | XX | XX | XX |  | 27069704 | 1705528564-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2866 | XX | XX | XX |  | 27069705 | 1705528564-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2744 | XX | XX | XX |  | 27069706 | 1705537939-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2744 | XX | XX | XX |  | 27069707 | 1705537939-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2744 | XX | XX | XX |  | 27069708 | 1705537939-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2744 | XX | XX | XX |  | 27069709 | 1705537939-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2247 | XX | XX | XX |  | 27069717 | 1705237541-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2247 | XX | XX | XX |  | 27069718 | 1705237541-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1960 | XX | XX | XX |  | 27069722 | 1705109785-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1960 | XX | XX | XX |  | 27069723 | 1705109785-28241 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2244 | XX | XX | XX |  | 27069729 | 1705283992-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2244 | XX | XX | XX |  | 27069730 | 1705283992-24490 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2244 | XX | XX | XX |  | 27069731 | 1705283992-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2244 | XX | XX | XX |  | 27069732 | 1705283992-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2244 | XX | XX | XX |  | 27069733 | 1705283992-22137 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2661 | XX | XX | XX |  | 27069735 | 1705205784-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Investment | Refinance - Rate/Term | B |  |  | No |
| 1918 | XX | XX | XX |  | 27069736 | 1704982094-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 1918 | XX | XX | XX |  | 27069737 | 1704982094-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 2627 | XX | XX | XX |  | 27069761 | 1704981967-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2232 | XX | XX | XX |  | 27069749 | 1705022206-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | Purchase | D |  |  | No |
| 2232 | XX | XX | XX |  | 27069751 | 1705022206-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | Purchase | D |  |  | No |
| 2232 | XX | XX | XX |  | 27069752 | 1705022206-18330 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | Purchase | D |  |  | No |
| 2232 | XX | XX | XX |  | 27069754 | 1705022206-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | Purchase | D |  |  | No |
| 2232 | XX | XX | XX |  | 27069755 | 1705022206-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | SC | UTD | Purchase | D |  |  | No |
| 2232 | XX | XX | XX |  | 27069756 | 1705022206-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | Purchase | D |  |  | No |
| 2232 | XX | XX | XX |  | 27069757 | 1705022206-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | Purchase | D |  |  | No |
| 2232 | XX | XX | XX |  | 27069758 | 1705022206-2778 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | Purchase | D |  |  | No |
| 2232 | XX | XX | XX |  | 27069759 | 1705022206-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | Purchase | D |  |  | No |
| 1928 | XX | XX | XX |  | 27069765 | 348848-733-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Investment | Purchase | B |  |  | No |
| 2593 | XX | XX | XX |  | 27069770 | 1705136040-28240 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2578 | XX | XX | XX |  | 27069772 | 1704926198-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2299 | XX | XX | XX |  | 27069774 | 4005563678-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2299 | XX | XX | XX |  | 27069775 | 4005563678-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | UTD | Purchase | D |  |  | No |
| 2299 | XX | XX | XX |  | 27069776 | 4005563678-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2299 | XX | XX | XX |  | 27069777 | 4005563678-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2299 | XX | XX | XX |  | 27069778 | 4005563678-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2299 | XX | XX | XX |  | 27069779 | 4005563678-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2299 | XX | XX | XX |  | 27069780 | 4005563678-18330 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2299 | XX | XX | XX |  | 27069781 | 4005563678-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Purchase | D |  |  | No |
| 2548 | XX | XX | XX |  | 27069785 | 1704806972-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 2883 | XX | XX | XX |  | 27069795 | 1705321253-18330 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2883 | XX | XX | XX |  | 27069796 | 1705321253-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2883 | XX | XX | XX |  | 27069799 | 1705321253-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2883 | XX | XX | XX |  | 27069800 | 1705321253-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2883 | XX | XX | XX |  | 27069801 | 1705321253-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2883 | XX | XX | XX |  | 27069802 | 1705321253-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2883 | XX | XX | XX |  | 27069803 | 1705321253-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2883 | XX | XX | XX |  | 27069804 | 1705321253-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - UTD | D |  |  | No |
| 2246 | XX | XX | XX |  | 27069807 | 1705085269-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2246 | XX | XX | XX |  | 27069808 | 1705085269-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2246 | XX | XX | XX |  | 27069809 | 1705085269-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2246 | XX | XX | XX |  | 27069810 | 1705085269-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2246 | XX | XX | XX |  | 27069811 | 1705085269-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2246 | XX | XX | XX |  | 27069812 | 1705085269-22137 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2246 | XX | XX | XX |  | 27069813 | 1705085269-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2246 | XX | XX | XX |  | 27069814 | 1705085269-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is<br> not dated by borrower so cannot confirm when borrower received the TIL. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2804 | XX | XX | XX |  | 27069816 | 1704941851-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Refinance - Rate/Term | B |  |  | No |
| 2804 | XX | XX | XX |  | 27069817 | 1704941851-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Refinance - Rate/Term | B |  |  | No |
| 2804 | XX | XX | XX |  | 27069818 | 1704941851-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Refinance - Rate/Term | B |  |  | No |
| 2520 | XX | XX | XX |  | 27069819 | 1704896715-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Second Home | Purchase | B |  |  | No |
| 2520 | XX | XX | XX |  | 27069820 | 1704896715-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Second Home | Purchase | B |  |  | No |
| 2520 | XX | XX | XX |  | 27069821 | 1704896715-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Second Home | Purchase | B |  |  | No |
| 2520 | XX | XX | XX |  | 27069822 | 1704896715-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Second Home | Purchase | B |  |  | No |
| 2610 | XX | XX | XX |  | 27069823 | 1704702955-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2610 | XX | XX | XX |  | 27069824 | 1704702955-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2537 | XX | XX | XX |  | 27069827 | 1704698378-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 2468 | XX | XX | XX |  | 27069829 | 1704621915-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1933 | XX | XX | XX |  | 27069832 | 1705098594-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1933 | XX | XX | XX |  | 27069833 | 1705098594-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1933 | XX | XX | XX |  | 27069834 | 1705098594-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1933 | XX | XX | XX |  | 27069835 | 1705098594-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1933 | XX | XX | XX |  | 27069836 | 1705098594-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $534,679.70 is underdisclosed from calculated Finance Charge of $534,807.84 in the amount of $128.14. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2086 | XX | XX | XX |  | 27069838 | 1704787953-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2430 | XX | XX | XX |  | 27069839 | 1705276364-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2430 | XX | XX | XX |  | 27069840 | 1705276364-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2430 | XX | XX | XX |  | 27069841 | 1705276364-22137 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2430 | XX | XX | XX |  | 27069842 | 1705276364-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2430 | XX | XX | XX |  | 27069843 | 1705276364-2647 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2790 | XX | XX | XX |  | 27069849 | 1705248837-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | B |  |  | No |
| 2790 | XX | XX | XX |  | 27069850 | 1705248837-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | B |  |  | No |
| 2790 | XX | XX | XX |  | 27069851 | 1705248837-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $228,372.87 is underdisclosed from calculated Finance Charge of $228,494.03 in the amount of $121.16. | Unable to determine due to missing final TIL Itemization |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2790 | XX | XX | XX |  | 27069852 | 1705248837-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | B |  |  | No |
| 2790 | XX | XX | XX |  | 27069853 | 1705248837-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | B |  |  | No |
| 2071 | XX | XX | XX |  | 27069861 | 1704547156-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2071 | XX | XX | XX |  | 27069862 | 1704547156-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2039 | XX | XX | XX |  | 27069863 | 1704374746-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2188 | XX | XX | XX |  | 27069875 | 1704420202-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $252,049.37 is underdisclosed from calculated Finance Charge of $252,177.35 in the amount of $127.98. | Under disclosure is due to MI. The TIL Payment Stream shows the MI staying on for 77 months. The Actual Payment Stream has MI staying on for 79 months. |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2899 | XX | XX | XX |  | 27069876 | 1704362105-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2124 | XX | XX | XX |  | 27069877 | 1704513904-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2124 | XX | XX | XX |  | 27069878 | 1704513904-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2124 | XX | XX | XX |  | 27069879 | 1704513904-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2124 | XX | XX | XX |  | 27069880 | 1704513904-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2124 | XX | XX | XX |  | 27069881 | 1704513904-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2124 | XX | XX | XX |  | 27069882 | 1704513904-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2055 | XX | XX | XX |  | 27069884 | 1704287975-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Investment | Refinance - Rate/Term | B |  |  | No |
| 2720 | XX | XX | XX |  | 27069890 | 1704306302-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1959 | XX | XX | XX |  | 27069891 | 1704335206-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1959 | XX | XX | XX |  | 27069892 | 1704335206-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1959 | XX | XX | XX |  | 27069893 | 1704335206-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2742 | XX | XX | XX |  | 27069894 | 1704336407-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2756 | XX | XX | XX |  | 27069898 | 1704470727-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2756 | XX | XX | XX |  | 27069899 | 1704470727-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2391 | XX | XX | XX |  | 27069895 | 1704327037-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2391 | XX | XX | XX |  | 27069896 | 1704327037-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2223 | XX | XX | XX |  | 27069900 | 4005500925-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 2223 | XX | XX | XX |  | 27069901 | 4005500925-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $123,913.00 is underdisclosed from calculated Finance Charge of $124,388.00 in the amount of $475.00. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2600 | XX | XX | XX |  | 27069904 | 1704349033-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 2535 | XX | XX | XX |  | 27069905 | 4005495142-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2535 | XX | XX | XX |  | 27069906 | 4005495142-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2535 | XX | XX | XX |  | 27069907 | 4005495142-1974 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2535 | XX | XX | XX |  | 27069908 | 4005495142-1977 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2535 | XX | XX | XX |  | 27069909 | 4005495142-6589 | 07/14/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2130 | XX | XX | XX |  | 27069912 | 1704546916-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2130 | XX | XX | XX |  | 27069913 | 1704546916-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2797 | XX | XX | XX |  | 27069915 | 1704257868-31487 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | AZ | Primary | Purchase | D |  |  | No |
| 2797 | XX | XX | XX |  | 27069916 | 1704257868-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | D |  |  | No |
| 2028 | XX | XX | XX |  | 27069917 | 1704302814-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2028 | XX | XX | XX |  | 27069918 | 1704302814-25158 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2028 | XX | XX | XX |  | 27069919 | 1704302814-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2028 | XX | XX | XX |  | 27069920 | 1704302814-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2890 | XX | XX | XX |  | 27069927 | 1704105169-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2864 | XX | XX | XX |  | 27069921 | 1704093792-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1888 | XX | XX | XX |  | 27069922 | 1704254600-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1888 | XX | XX | XX |  | 27069923 | 1704254600-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1888 | XX | XX | XX |  | 27069924 | 1704254600-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 1949 | XX | XX | XX |  | 27069947 | 1704006401-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1949 | XX | XX | XX |  | 27069948 | 1704006401-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 2806 | XX | XX | XX |  | 27069942 | 4005434559-24490 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Refinance - Rate/Term | B |  |  | No |
| 2806 | XX | XX | XX |  | 27069943 | 4005434559-7042 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2481 | XX | XX | XX |  | 27069949 | 1704208322-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2481 | XX | XX | XX |  | 27069950 | 1704208322-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2481 | XX | XX | XX |  | 27069951 | 1704208322-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2481 | XX | XX | XX |  | 27069952 | 1704208322-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2481 | XX | XX | XX |  | 27069954 | 1704208322-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2602 | XX | XX | XX |  | 27069960 | 1704829982-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2602 | XX | XX | XX |  | 27069961 | 1704829982-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1979 | XX | XX | XX |  | 27069963 | 1703914226-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NJ | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2108 | XX | XX | XX |  | 27069969 | 4005443324-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2297 | XX | XX | XX |  | 27069971 | 1703993132-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2279 | XX | XX | XX |  | 27069972 | 1704545306-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2279 | XX | XX | XX |  | 27069973 | 1704545306-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2279 | XX | XX | XX |  | 27069974 | 1704545306-22137 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2279 | XX | XX | XX |  | 27069975 | 1704545306-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2279 | XX | XX | XX |  | 27069977 | 1704545306-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2674 | XX | XX | XX |  | 27069983 | 1704200378-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 2674 | XX | XX | XX |  | 27069984 | 1704200378-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $306,453.53 is underdisclosed from calculated Finance Charge of $306,672.41 in the amount of $218.88. | The TIL Itemization did not disclose a recording service fee of $210 as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2445 | XX | XX | XX |  | 27069989 | 1704361469-31490 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2445 | XX | XX | XX |  | 27069990 | 1704361469-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2445 | XX | XX | XX |  | 27069991 | 1704361469-2212 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 2807 | XX | XX | XX |  | 27069986 | 1703842943-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NM | Primary | Purchase | D |  |  | No |
| 2807 | XX | XX | XX |  | 27069987 | 1703842943-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Purchase | D |  |  | No |
| 2807 | XX | XX | XX |  | 27069988 | 1703842943-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Purchase | D |  |  | No |
| 1990 | XX | XX | XX |  | 27069997 | 1703965730-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 2734 | XX | XX | XX |  | 27070005 | 1703670738-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2734 | XX | XX | XX |  | 27070006 | 1703670738-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2734 | XX | XX | XX |  | 27070008 | 1703670738-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1977 | XX | XX | XX |  | 27070012 | 1704461326-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1977 | XX | XX | XX |  | 27070013 | 1704461326-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1977 | XX | XX | XX |  | 27070014 | 1704461326-28241 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1977 | XX | XX | XX |  | 27070015 | 1704461326-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1977 | XX | XX | XX |  | 27070016 | 1704461326-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1977 | XX | XX | XX |  | 27070017 | 1704461326-2647 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1977 | XX | XX | XX |  | 27070018 | 1704461326-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1977 | XX | XX | XX |  | 27070019 | 1704461326-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2588 | XX | XX | XX |  | 27070023 | 1703765387-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2588 | XX | XX | XX |  | 27070024 | 1703765387-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $304,588.19 is underdisclosed from calculated Finance Charge of $304,624.32 in the amount of $36.13. | TIL Itemization did not disclose a TI Set Up fee of $75 as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2004 | XX | XX | XX |  | 27070026 | 1704132102-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2004 | XX | XX | XX |  | 27070027 | 1704132102-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2004 | XX | XX | XX |  | 27070028 | 1704132102-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2004 | XX | XX | XX |  | 27070029 | 1704132102-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2004 | XX | XX | XX |  | 27070030 | 1704132102-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $493,479.20 is underdisclosed from calculated Finance Charge of $494,509.20 in the amount of $1,030.00. | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2004 | XX | XX | XX |  | 27070031 | 1704132102-7042 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2788 | XX | XX | XX |  | 27070032 | 4005342988-31486 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2891 | XX | XX | XX |  | 27070033 | 1703603103-31486 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2891 | XX | XX | XX |  | 27070034 | 1703603103-6302 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 2891 | XX | XX | XX |  | 27070035 | 1703603103-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2741 | XX | XX | XX |  | 27070036 | 1703670745-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2741 | XX | XX | XX |  | 27070037 | 1703670745-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2741 | XX | XX | XX |  | 27070038 | 1703670745-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2741 | XX | XX | XX |  | 27070039 | 1703670745-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2741 | XX | XX | XX |  | 27070040 | 1703670745-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $139,559.42 is underdisclosed from calculated Finance Charge of $139,780.94 in the amount of $221.52. | Under disclosure appears to be fee related. Unable to determine underdisclosure due to missing Fee Itemization. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2225 | XX | XX | XX |  | 27070044 | 1703671711-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2225 | XX | XX | XX |  | 27070045 | 1703671711-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2225 | XX | XX | XX |  | 27070046 | 1703671711-2778 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2225 | XX | XX | XX |  | 27070048 | 1703671711-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2225 | XX | XX | XX |  | 27070049 | 1703671711-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 2332 | XX | XX | XX |  | 27070050 | 1709165045-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2332 | XX | XX | XX |  | 27070051 | 1709165045-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2332 | XX | XX | XX |  | 27070052 | 1709165045-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2332 | XX | XX | XX |  | 27070053 | 1709165045-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2332 | XX | XX | XX |  | 27070055 | 1709165045-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is<br> not dated by borrower so cannot confirm when borrower received the TIL. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2332 | XX | XX | XX |  | 27070056 | 1709165045-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2326 | XX | XX | XX |  | 27070060 | 1703616819-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2326 | XX | XX | XX |  | 27070061 | 1703616819-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2568 | XX | XX | XX |  | 27070063 | 1703493774-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1999 | XX | XX | XX |  | 27070071 | 1703361746-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2671 | XX | XX | XX |  | 27070074 | 1703671460-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 2671 | XX | XX | XX |  | 27070075 | 1703671460-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 2671 | XX | XX | XX |  | 27070076 | 1703671460-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 2393 | XX | XX | XX |  | 27070079 | 1703696291-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2393 | XX | XX | XX |  | 27070080 | 1703696291-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2393 | XX | XX | XX |  | 27070081 | 1703696291-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2330 | XX | XX | XX |  | 27070088 | 1703378058-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2429 | XX | XX | XX |  | 27070091 | 4005301376-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Purchase | B |  |  | No |
| 2429 | XX | XX | XX |  | 27070092 | 4005301376-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Purchase | B |  |  | No |
| 2429 | XX | XX | XX |  | 27070093 | 4005301376-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Purchase | B |  |  | No |
| 2461 | XX | XX | XX |  | 27070095 | 1703417215-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Investment | Refinance - Rate/Term | B |  |  | No |
| 2353 | XX | XX | XX |  | 27070096 | 1703299461-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 1943 | XX | XX | XX |  | 27070097 | 1703275680-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1943 | XX | XX | XX |  | 27070098 | 1703275680-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1943 | XX | XX | XX |  | 27070099 | 1703275680-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 1943 | XX | XX | XX |  | 27070100 | 1703275680-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2776 | XX | XX | XX |  | 27070101 | 1703256223-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2336 | XX | XX | XX |  | 27070103 | 4005276757-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2336 | XX | XX | XX |  | 27070104 | 4005276757-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2336 | XX | XX | XX |  | 27070105 | 4005276757-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2139 | XX | XX | XX |  | 27070106 | 1703493311-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2139 | XX | XX | XX |  | 27070107 | 1703493311-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2139 | XX | XX | XX |  | 27070108 | 1703493311-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2233 | XX | XX | XX |  | 27070111 | 1703188681-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | SC | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2233 | XX | XX | XX |  | 27070112 | 1703188681-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2233 | XX | XX | XX |  | 27070113 | 1703188681-2778 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2233 | XX | XX | XX |  | 27070114 | 1703188681-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission |  |  | No |
| 2233 | XX | XX | XX |  | 27070115 | 1703188681-7040 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2233 | XX | XX | XX |  | 27070116 | 1703188681-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2233 | XX | XX | XX |  | 27070117 | 1703188681-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2240 | XX | XX | XX |  | 27070124 | 4005276708-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2240 | XX | XX | XX |  | 27070125 | 4005276708-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2240 | XX | XX | XX |  | 27070126 | 4005276708-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2240 | XX | XX | XX |  | 27070127 | 4005276708-22137 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2240 | XX | XX | XX |  | 27070128 | 4005276708-22050 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2240 | XX | XX | XX |  | 27070129 | 4005276708-3953 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2240 | XX | XX | XX |  | 27070130 | 4005276708-611 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2093 | XX | XX | XX |  | 27070132 | 1703245553-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2626 | XX | XX | XX |  | 27070133 | 1703113850-7039 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2140 | XX | XX | XX |  | 27070135 | 1703116173-31487 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1946 | XX | XX | XX |  | 27070137 | 1703138279-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1946 | XX | XX | XX |  | 27070138 | 1703138279-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 2731 | XX | XX | XX |  | 27070143 | 4005275463-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2731 | XX | XX | XX |  | 27070144 | 4005275463-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2731 | XX | XX | XX |  | 27070145 | 4005275463-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $374,332.14 is underdisclosed from calculated Finance Charge of $375,369.92 in the amount of $1,037.78. | Under disclosure due to lender TIL reflects MI Level, however actual MI Cert shows step level. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2475 | XX | XX | XX |  | 27070154 | 1703121148-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2475 | XX | XX | XX |  | 27070155 | 1703121148-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 1966 | XX | XX | XX |  | 27070158 | 1703484875-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1966 | XX | XX | XX |  | 27070159 | 1703484875-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1966 | XX | XX | XX |  | 27070160 | 1703484875-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1966 | XX | XX | XX |  | 27070161 | 1703484875-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1966 | XX | XX | XX |  | 27070162 | 1703484875-24490 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2879 | XX | XX | XX |  | 27070163 | 4005262730-613 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2879 | XX | XX | XX |  | 27070164 | 4005262730-611 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2879 | XX | XX | XX |  | 27070165 | 4005262730-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2879 | XX | XX | XX |  | 27070166 | 4005262730-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2879 | XX | XX | XX |  | 27070167 | 4005262730-22050 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2879 | XX | XX | XX |  | 27070168 | 4005262730-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $103,959.14 is underdisclosed from calculated Finance Charge of $104,038.68 in the amount of $79.54. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2879 | XX | XX | XX |  | 27070169 | 4005262730-3953 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2512 | XX | XX | XX |  | 27070186 | 1702861498-1973 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2512 | XX | XX | XX |  | 27070187 | 1702861498-1976 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2512 | XX | XX | XX |  | 27070188 | 1702861498-6589 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2598 | XX | XX | XX |  | 27070201 | 4005243426-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 1964 | XX | XX | XX |  | 27070202 | 1702904933-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 2159 | XX | XX | XX |  | 27070204 | 349304-733-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2159 | XX | XX | XX |  | 27070205 | 349304-733-3953 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 2304 | XX | XX | XX |  | 27070206 | 1702717776-5791 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2304 | XX | XX | XX |  | 27070207 | 1702717776-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2304 | XX | XX | XX |  | 27070208 | 1702717776-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2623 | XX | XX | XX |  | 27070211 | 1702708267-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 2649 | XX | XX | XX |  | 27070213 | 1702640235-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 1998 | XX | XX | XX |  | 27070221 | 4005178957-25688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 1998 | XX | XX | XX |  | 27070222 | 4005178957-6302 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2612 | XX | XX | XX |  | 27070223 | 1702979186-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 2253 | XX | XX | XX |  | 27070224 | 1702625543-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2253 | XX | XX | XX |  | 27070226 | 1702625543-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2253 | XX | XX | XX |  | 27070227 | 1702625543-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2253 | XX | XX | XX |  | 27070228 | 1702625543-22137 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2519 | XX | XX | XX |  | 27070229 | 1702704119-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2519 | XX | XX | XX |  | 27070230 | 1702704119-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2212 | XX | XX | XX |  | 27070245 | 4005275478-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 2533 | XX | XX | XX |  | 27070247 | 4005198944-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2533 | XX | XX | XX |  | 27070248 | 4005198944-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2533 | XX | XX | XX |  | 27070249 | 4005198944-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2533 | XX | XX | XX |  | 27070250 | 4005198944-3953 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 2503 | XX | XX | XX |  | 27070251 | 1702460251-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2503 | XX | XX | XX |  | 27070252 | 1702460251-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2503 | XX | XX | XX |  | 27070253 | 1702460251-1974 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2503 | XX | XX | XX |  | 27070254 | 1702460251-1977 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2503 | XX | XX | XX |  | 27070255 | 1702460251-6589 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2215 | XX | XX | XX |  | 27070258 | 1702618296-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Investment | Refinance - Rate/Term | B |  |  | No |
| 2686 | XX | XX | XX |  | 27070259 | 1702494593-5791 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | B |  |  | No |
| 2235 | XX | XX | XX |  | 27070268 | 4005166331-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2235 | XX | XX | XX |  | 27070269 | 4005166331-2778 | 07/14/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2235 | XX | XX | XX |  | 27070270 | 4005166331-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $344,533.68 is underdisclosed from calculated Finance Charge of $344,622.77 in the amount of $89.09. | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2235 | XX | XX | XX |  | 27070271 | 4005166331-26133 | 07/14/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (No Tangible Net Benefit) | Unable to test tangible net benefit due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2205 | XX | XX | XX |  | 27070272 | 4005090147-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $86,046.83 is underdisclosed from calculated Finance Charge of $86,547.05 in the amount of $500.22. | TIL Itemization did not disclose an Attorney Fee of $450 and a Courier Fee of $43.20 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2860 | XX | XX | XX |  | 27070299 | 1702513357-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2860 | XX | XX | XX |  | 27070300 | 1702513357-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2359 | XX | XX | XX |  | 27070312 | 1702205008-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2359 | XX | XX | XX |  | 27070313 | 1702205008-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2146 | XX | XX | XX |  | 27070303 | 1702366813-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2146 | XX | XX | XX |  | 27070304 | 1702366813-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2146 | XX | XX | XX |  | 27070305 | 1702366813-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2146 | XX | XX | XX |  | 27070306 | 1702366813-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2146 | XX | XX | XX |  | 27070307 | 1702366813-1861 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Property Insurance (Property Insurance Exceeds Replacement Value) | Maryland HB649: Property insurance exceeds the replacement value of the property. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2146 | XX | XX | XX |  | 27070308 | 1702366813-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2303 | XX | XX | XX |  | 27070320 | 1702315904-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2303 | XX | XX | XX |  | 27070321 | 1702315904-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2303 | XX | XX | XX |  | 27070322 | 1702315904-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2303 | XX | XX | XX |  | 27070323 | 1702315904-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2472 | XX | XX | XX |  | 27070324 | 1702349114-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $101,853.33 is underdisclosed from calculated Finance Charge of $102,018.08 in the amount of $164.75. | Itemization did not disclose the release tracking fee of $20, settlement fee of $43.75, courier fee of $20, warehousing fee of $49 and wire fee of $32 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2774 | XX | XX | XX |  | 27070334 | 1702183130-6223 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) | Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | B |  |  | No |
| 2651 | XX | XX | XX |  | 27070353 | 1702651454-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 2651 | XX | XX | XX |  | 27070354 | 1702651454-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 1897 | XX | XX | XX |  | 27070355 | 1702336387-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 2873 | XX | XX | XX |  | 27070366 | 1702190921-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2682 | XX | XX | XX |  | 27070370 | 1702044882-31486 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | AR | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2682 | XX | XX | XX |  | 27070371 | 1702044882-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $86,249.36 is underdisclosed from calculated Finance Charge of $86,569.36 in the amount of $320.00. | TIL Itemization only disclosed discount charges in the amount of $1325 and final HUD reflects $1600. |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | No |
| 2441 | XX | XX | XX |  | 27070374 | 1702300885-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 1951 | XX | XX | XX |  | 27070382 | 1701842026-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 2835 | XX | XX | XX |  | 27070383 | 1701884370-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2835 | XX | XX | XX |  | 27070384 | 1701884370-26032 | 06/21/2022 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Maximum prepay allowed is 6 months interest calculated on 80% of the original balance ($5,724.00). Loan contracts for maximum calculated prepay of $8,250.18, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1907 | XX | XX | XX |  | 27070393 | 1701799723-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1907 | XX | XX | XX |  | 27070395 | 1701799723-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1907 | XX | XX | XX |  | 27070396 | 1701799723-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1907 | XX | XX | XX |  | 27070397 | 1701799723-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1907 | XX | XX | XX |  | 27070398 | 1701799723-24490 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1907 | XX | XX | XX |  | 27070399 | 1701799723-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1907 | XX | XX | XX |  | 27070400 | 1701799723-1891 | 06/21/2022 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1907 | XX | XX | XX |  | 27070401 | 1701799723-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1907 | XX | XX | XX |  | 27070402 | 1701799723-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2909 | XX | XX | XX |  | 27070403 | 1701820962-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2909 | XX | XX | XX |  | 27070404 | 1701820962-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2909 | XX | XX | XX |  | 27070405 | 1701820962-2666 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2909 | XX | XX | XX |  | 27070406 | 1701820962-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2909 | XX | XX | XX |  | 27070407 | 1701820962-6306 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2615 | XX | XX | XX |  | 27070424 | 4004950533-3928 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 2615 | XX | XX | XX |  | 27070425 | 4004950533-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 2216 | XX | XX | XX |  | 27070434 | 4005020352-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2216 | XX | XX | XX |  | 27070435 | 4005020352-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2216 | XX | XX | XX |  | 27070436 | 4005020352-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $202,386.70 is underdisclosed from calculated Finance Charge of $202,536.70 in the amount of $150.00. | The itemization of amount financed did not include the closing fee of $150 as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2666 | XX | XX | XX |  | 27070438 | 1701609250-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $135,795.85 is underdisclosed from calculated Finance Charge of $136,059.35 in the amount of $263.50. | TIL itemization did not disclose a $13.50 flood cert fee, a $225 recording fee or a $25 courier fee as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2096 | XX | XX | XX |  | 27070445 | 1701483444-31480 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Illegible HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Illegible HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | PA | Primary | Purchase | D |  |  | No |
| 2092 | XX | XX | XX |  | 27070448 | 1701514102-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2092 | XX | XX | XX |  | 27070449 | 1701514102-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2070 | XX | XX | XX |  | 27070454 | 4004984468-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2070 | XX | XX | XX |  | 27070455 | 4004984468-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2070 | XX | XX | XX |  | 27070456 | 4004984468-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $260,093.16 is underdisclosed from calculated Finance Charge of $260,142.67 in the amount of $49.51. | TIL itemization did not disclose a closing closing protection letter of $35 as prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2728 | XX | XX | XX |  | 27070461 | 4004897613-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2728 | XX | XX | XX |  | 27070462 | 4004897613-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TX | Primary | Purchase | D |  |  | No |
| 2728 | XX | XX | XX |  | 27070463 | 4004897613-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2728 | XX | XX | XX |  | 27070464 | 4004897613-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2728 | XX | XX | XX |  | 27070465 | 4004897613-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2728 | XX | XX | XX |  | 27070466 | 4004897613-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2728 | XX | XX | XX |  | 27070468 | 4004897613-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2230 | XX | XX | XX |  | 27070471 | 4005020358-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2230 | XX | XX | XX |  | 27070472 | 4005020358-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2230 | XX | XX | XX |  | 27070473 | 4005020358-2778 | 07/14/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2320 | XX | XX | XX |  | 27070475 | 1701597343-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2179 | XX | XX | XX |  | 27070483 | 1701925882-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2179 | XX | XX | XX |  | 27070484 | 1701925882-4087 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2277 | XX | XX | XX |  | 27070485 | 1701366415-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $150,617.03 is underdisclosed from calculated Finance Charge of $150,736.36 in the amount of $119.33. | Unable to determine unnder disclosure due to missing Itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2153 | XX | XX | XX |  | 27070489 | 4004915976-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2153 | XX | XX | XX |  | 27070490 | 4004915976-25688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2153 | XX | XX | XX |  | 27070491 | 4004915976-6302 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2810 | XX | XX | XX |  | 27070493 | 1701469181-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 2847 | XX | XX | XX |  | 27070500 | 4004994632-613 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed or initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2847 | XX | XX | XX |  | 27070502 | 4004994632-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2847 | XX | XX | XX |  | 27070503 | 4004994632-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2847 | XX | XX | XX |  | 27070504 | 4004994632-22050 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2847 | XX | XX | XX |  | 27070505 | 4004994632-3953 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1948 | XX | XX | XX |  | 27070506 | 1701193722-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1948 | XX | XX | XX |  | 27070507 | 1701193722-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 2715 | XX | XX | XX |  | 27070508 | 1701264146-4087 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2715 | XX | XX | XX |  | 27070509 | 1701264146-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1921 | XX | XX | XX |  | 27070510 | 1701401132-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1921 | XX | XX | XX |  | 27070511 | 1701401132-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1921 | XX | XX | XX |  | 27070512 | 1701401132-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2267 | XX | XX | XX |  | 27070513 | 1701245303-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2267 | XX | XX | XX |  | 27070514 | 1701245303-6306 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2199 | XX | XX | XX |  | 27070522 | 4004999157-5445 | 07/14/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Investment | Purchase | B |  |  | No |
| 2394 | XX | XX | XX |  | 27070543 | 4004974832-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2394 | XX | XX | XX |  | 27070544 | 4004974832-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2394 | XX | XX | XX |  | 27070545 | 4004974832-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2647 | XX | XX | XX |  | 27070539 | 1701183655-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2647 | XX | XX | XX |  | 27070541 | 1701183655-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1937 | XX | XX | XX |  | 27070546 | 1701221799-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1937 | XX | XX | XX |  | 27070547 | 1701221799-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1937 | XX | XX | XX |  | 27070548 | 1701221799-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1890 | XX | XX | XX |  | 27070558 | 1701146722-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1890 | XX | XX | XX |  | 27070559 | 1701146722-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1890 | XX | XX | XX |  | 27070560 | 1701146722-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1890 | XX | XX | XX |  | 27070561 | 1701146722-24490 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1890 | XX | XX | XX |  | 27070563 | 1701146722-1891 | 06/21/2022 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1890 | XX | XX | XX |  | 27070564 | 1701146722-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2492 | XX | XX | XX |  | 27070568 | 1700876728-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2492 | XX | XX | XX |  | 27070569 | 1700876728-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2340 | XX | XX | XX |  | 27070579 | 1700926963-5445 | 06/21/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2340 | XX | XX | XX |  | 27070580 | 1700926963-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2151 | XX | XX | XX |  | 27070588 | 4005047418-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2151 | XX | XX | XX |  | 27070589 | 4005047418-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2151 | XX | XX | XX |  | 27070590 | 4005047418-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2795 | XX | XX | XX |  | 27070584 | 1700926811-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2795 | XX | XX | XX |  | 27070585 | 1700926811-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2795 | XX | XX | XX |  | 27070586 | 1700926811-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2759 | XX | XX | XX |  | 27070592 | 1700847305-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2759 | XX | XX | XX |  | 27070593 | 1700847305-4087 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2759 | XX | XX | XX |  | 27070594 | 1700847305-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2859 | XX | XX | XX |  | 27070595 | 1701123781-613 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2859 | XX | XX | XX |  | 27070597 | 1701123781-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2859 | XX | XX | XX |  | 27070598 | 1701123781-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2859 | XX | XX | XX |  | 27070599 | 1701123781-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $177,365.65 is underdisclosed from calculated Finance Charge of $177,526.63 in the amount of $160.98. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2859 | XX | XX | XX |  | 27070600 | 1701123781-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2859 | XX | XX | XX |  | 27070601 | 1701123781-3953 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is<br> not signed or dated by borrower so cannot confirm that borrower received |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2644 | XX | XX | XX |  | 27070617 | 1700799932-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 2352 | XX | XX | XX |  | 27070619 | 1700783160-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | B |  |  | No |
| 2352 | XX | XX | XX |  | 27070621 | 1700783160-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | B |  |  | No |
| 2789 | XX | XX | XX |  | 27070623 | 1700757467-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2789 | XX | XX | XX |  | 27070624 | 1700757467-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2837 | XX | XX | XX |  | 27070625 | 1700687933-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2837 | XX | XX | XX |  | 27070626 | 1700687933-7039 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2007 | XX | XX | XX |  | 27070627 | 1700538339-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2007 | XX | XX | XX |  | 27070628 | 1700538339-4087 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2656 | XX | XX | XX |  | 27070636 | 1700471095-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2656 | XX | XX | XX |  | 27070637 | 1700471095-5335 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Nebraska Mortgage Bankers Registration and Licensing Act (Broker Notice Not Provided) | Nebraska Mortgage Bankers Registration and Licensing Act: Mortgage broker has received compensation from the borrower without providing a written agreement to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2327 | XX | XX | XX |  | 27070667 | 1700538365-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2327 | XX | XX | XX |  | 27070668 | 1700538365-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2327 | XX | XX | XX |  | 27070669 | 1700538365-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2735 | XX | XX | XX |  | 27070676 | 1700450325-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 1903 | XX | XX | XX |  | 27070677 | 1700210720-1891 | 06/27/2022 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2611 | XX | XX | XX |  | 27070678 | 1700066451-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2853 | XX | XX | XX |  | 27070682 | 1700151683-31489 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing Material | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2853 | XX | XX | XX |  | 27070683 | 1700151683-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2552 | XX | XX | XX |  | 27070684 | 1700021996-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2550 | XX | XX | XX |  | 27070703 | 1699971353-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2550 | XX | XX | XX |  | 27070704 | 1699971353-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2550 | XX | XX | XX |  | 27070705 | 1699971353-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2606 | XX | XX | XX |  | 27070718 | 1699835964-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 2606 | XX | XX | XX |  | 27070719 | 1699835964-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 2011 | XX | XX | XX |  | 27070731 | 1700305497-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 2011 | XX | XX | XX |  | 27070732 | 1700305497-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 2011 | XX | XX | XX |  | 27070733 | 1700305497-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 2011 | XX | XX | XX |  | 27070734 | 1700305497-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 2011 | XX | XX | XX |  | 27070735 | 1700305497-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2011 | XX | XX | XX |  | 27070736 | 1700305497-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 2011 | XX | XX | XX |  | 27070737 | 1700305497-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 2011 | XX | XX | XX |  | 27070739 | 1700305497-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 2040 | XX | XX | XX |  | 27070743 | 1699712502-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2040 | XX | XX | XX |  | 27070744 | 1699712502-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2040 | XX | XX | XX |  | 27070745 | 1699712502-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2040 | XX | XX | XX |  | 27070746 | 1699712502-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2040 | XX | XX | XX |  | 27070748 | 1699712502-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2908 | XX | XX | XX |  | 27070750 | 1699644056-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | B |  |  | No |
| 2559 | XX | XX | XX |  | 27070765 | 1699881476-2845 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Document: HUD-1 Addendum not provided |  | HUD line 1305 reflects "see additional disbursement exhibit", however, the exhibit was not located. $13108.32 added to payoffs. No fees included in HC testing. |  |  |  |  |  |  |  | 3 D | XX | WI | Primary | Refinance - Rate/Term | D |  |  | No |
| 2559 | XX | XX | XX |  | 27070767 | 1699881476-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | D |  |  | No |
| 2559 | XX | XX | XX |  | 27070769 | 1699881476-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | D |  |  | No |
| 2559 | XX | XX | XX |  | 27070771 | 1699881476-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | D |  |  | No |
| 2559 | XX | XX | XX |  | 27070772 | 1699881476-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | D |  |  | No |
| 2559 | XX | XX | XX |  | 27070773 | 1699881476-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2559 | XX | XX | XX |  | 27070774 | 1699881476-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | D |  |  | No |
| 2911 | XX | XX | XX |  | 27070776 | 1699792816-31487 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | WA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2911 | XX | XX | XX |  | 27070777 | 1699792816-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2379 | XX | XX | XX |  | 27070779 | 1699463307-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2791 | XX | XX | XX |  | 27070783 | 1699641095-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2791 | XX | XX | XX |  | 27070784 | 1699641095-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2791 | XX | XX | XX |  | 27070785 | 1699641095-28240 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2791 | XX | XX | XX |  | 27070786 | 1699641095-2666 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2791 | XX | XX | XX |  | 27070788 | 1699641095-31487 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1919 | XX | XX | XX |  | 27070789 | 4004547127-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 2018 | XX | XX | XX |  | 27070800 | 1699312379-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2018 | XX | XX | XX |  | 27070801 | 1699312379-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2295 | XX | XX | XX |  | 27070802 | 1699259677-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 1925 | XX | XX | XX |  | 27070803 | 1699587618-28240 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1925 | XX | XX | XX |  | 27070804 | 1699587618-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $254,750.79 is underdisclosed from calculated Finance Charge of $255,075.20 in the amount of $324.41. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2862 | XX | XX | XX |  | 27070805 | 1699442754-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2862 | XX | XX | XX |  | 27070806 | 1699442754-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2862 | XX | XX | XX |  | 27070807 | 1699442754-6306 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2862 | XX | XX | XX |  | 27070808 | 1699442754-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2862 | XX | XX | XX |  | 27070809 | 1699442754-2647 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2501 | XX | XX | XX |  | 27070815 | 1699427838-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2501 | XX | XX | XX |  | 27070816 | 1699427838-5791 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2501 | XX | XX | XX |  | 27070817 | 1699427838-1973 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2501 | XX | XX | XX |  | 27070818 | 1699427838-1976 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2501 | XX | XX | XX |  | 27070819 | 1699427838-6589 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2501 | XX | XX | XX |  | 27070820 | 1699427838-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $191,131.17 is underdisclosed from calculated Finance Charge of $192,174.27 in the amount of $1,043.10. | The Lender's TIL reflects MI dropping off after 61 months, however, the audited TIL indicates MI should drop off after 77 months. |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2487 | XX | XX | XX |  | 27070822 | 1699469148-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2487 | XX | XX | XX |  | 27070823 | 1699469148-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2751 | XX | XX | XX |  | 27070826 | 1699360174-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2751 | XX | XX | XX |  | 27070828 | 1699360174-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2751 | XX | XX | XX |  | 27070829 | 1699360174-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2751 | XX | XX | XX |  | 27070830 | 1699360174-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2751 | XX | XX | XX |  | 27070831 | 1699360174-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2751 | XX | XX | XX |  | 27070832 | 1699360174-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2796 | XX | XX | XX |  | 27070833 | 1699375475-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2796 | XX | XX | XX |  | 27070834 | 1699375475-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2796 | XX | XX | XX |  | 27070835 | 1699375475-31487 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2683 | XX | XX | XX |  | 27070839 | 1699270420-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Refinance - Rate/Term | B |  |  | No |
| 2704 | XX | XX | XX |  | 27070840 | 1699297596-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2284 | XX | XX | XX |  | 27070843 | 4004581562-24490 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2284 | XX | XX | XX |  | 27070845 | 4004581562-22050 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2284 | XX | XX | XX |  | 27070846 | 4004581562-611 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2801 | XX | XX | XX |  | 27070847 | 1699314118-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | B |  |  | No |
| 2801 | XX | XX | XX |  | 27070848 | 1699314118-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | No Defined Cure B |  |  | No |
| 2801 | XX | XX | XX |  | 27070849 | 1699314118-6306 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | No Defined Cure B |  |  | No |
| 2403 | XX | XX | XX |  | 27070864 | 4004492116-3928 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2403 | XX | XX | XX |  | 27070865 | 4004492116-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 2403 | XX | XX | XX |  | 27070867 | 4004492116-25688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | No Defined Cure B |  |  | No |
| 2403 | XX | XX | XX |  | 27070868 | 4004492116-6306 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | No Defined Cure B |  |  | No |
| 2193 | XX | XX | XX |  | 27070875 | 1698802195-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1932 | XX | XX | XX |  | 27070877 | 1698806243-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1932 | XX | XX | XX |  | 27070878 | 1698806243-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1932 | XX | XX | XX |  | 27070879 | 1698806243-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 2872 | XX | XX | XX |  | 27070894 | 1699127577-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Investment | Refinance - Cash-out - Other | D |  |  | No |
| 1895 | XX | XX | XX |  | 27070896 | 1698894010-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 2536 | XX | XX | XX |  | 27070913 | 1699190392-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 2536 | XX | XX | XX |  | 27070915 | 1699190392-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 2536 | XX | XX | XX |  | 27070916 | 1699190392-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 2536 | XX | XX | XX |  | 27070918 | 1699190392-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $84,867.44 is underdisclosed from calculated Finance Charge of $85,182.44 in the amount of $315.00. | Unable to determine under disclosure due to missing itemzation of amount financed. |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2079 | XX | XX | XX |  | 27070919 | 1698585828-611 | 06/27/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2079 | XX | XX | XX |  | 27070920 | 1698585828-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2079 | XX | XX | XX |  | 27070921 | 1698585828-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2300 | XX | XX | XX |  | 27070927 | 1698767128-3675 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | (Doc Error) RTC Error: Right to Cancel expiration date is blank. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2300 | XX | XX | XX |  | 27070928 | 1698767128-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2300 | XX | XX | XX |  | 27070929 | 1698767128-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2300 | XX | XX | XX |  | 27070931 | 1698767128-22050 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2300 | XX | XX | XX |  | 27070932 | 1698767128-2647 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2189 | XX | XX | XX |  | 27070947 | 1698832936-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Second Home | Purchase | B |  |  | No |
| 2189 | XX | XX | XX |  | 27070948 | 1698832936-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Second Home | Purchase | B |  |  | No |
| 2561 | XX | XX | XX |  | 27070959 | 1698571198-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2561 | XX | XX | XX |  | 27070960 | 1698571198-7039 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2861 | XX | XX | XX |  | 27070970 | 1698328725-31486 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2034 | XX | XX | XX |  | 27070983 | 1698249024-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2034 | XX | XX | XX |  | 27070984 | 1698249024-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2622 | XX | XX | XX |  | 27070985 | 1699181883-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2622 | XX | XX | XX |  | 27070986 | 1699181883-6306 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2054 | XX | XX | XX |  | 27070989 | 1698056715-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2054 | XX | XX | XX |  | 27070990 | 1698056715-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2829 | XX | XX | XX |  | 27070992 | 1698255648-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2829 | XX | XX | XX |  | 27070993 | 1698255648-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2829 | XX | XX | XX |  | 27070994 | 1698255648-6306 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2266 | XX | XX | XX |  | 27070996 | 1698028677-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2266 | XX | XX | XX |  | 27070997 | 1698028677-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2266 | XX | XX | XX |  | 27070998 | 1698028677-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2266 | XX | XX | XX |  | 27070999 | 1698028677-3928 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2574 | XX | XX | XX |  | 27071005 | 4004381004-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2574 | XX | XX | XX |  | 27071006 | 4004381004-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2574 | XX | XX | XX |  | 27071007 | 4004381004-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2574 | XX | XX | XX |  | 27071008 | 4004381004-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2755 | XX | XX | XX |  | 27071010 | 1697986137-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2755 | XX | XX | XX |  | 27071011 | 1697986137-5445 | 06/27/2022 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2755 | XX | XX | XX |  | 27071012 | 1697986137-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2755 | XX | XX | XX |  | 27071013 | 1697986137-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2773 | XX | XX | XX |  | 27071034 | 1697771573-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 01/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Purchase | B |  |  | No |
| 2773 | XX | XX | XX |  | 27071035 | 1697771573-6223 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) | Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Purchase | B |  |  | No |
| 2362 | XX | XX | XX |  | 27071038 | 1697748097-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2362 | XX | XX | XX |  | 27071039 | 1697748097-18330 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2362 | XX | XX | XX |  | 27071041 | 1697748097-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2362 | XX | XX | XX |  | 27071042 | 1697748097-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | AL | UTD | Purchase | D |  |  | No |
| 2362 | XX | XX | XX |  | 27071043 | 1697748097-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2362 | XX | XX | XX |  | 27071044 | 1697748097-23038 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2362 | XX | XX | XX |  | 27071045 | 1697748097-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2362 | XX | XX | XX |  | 27071046 | 1697748097-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2646 | XX | XX | XX |  | 27071047 | 1697872117-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2646 | XX | XX | XX |  | 27071048 | 1697872117-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2646 | XX | XX | XX |  | 27071049 | 1697872117-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2646 | XX | XX | XX |  | 27071050 | 1697872117-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2091 | XX | XX | XX |  | 27071054 | 1697848014-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2135 | XX | XX | XX |  | 27071052 | 1697891560-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2135 | XX | XX | XX |  | 27071053 | 1697891560-2659 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $147,061.59 is underdisclosed from calculated Finance Charge of $147,425.15 in the amount of $363.56. | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2329 | XX | XX | XX |  | 27071059 | 1697474042-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2318 | XX | XX | XX |  | 27071061 | 1697691219-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2318 | XX | XX | XX |  | 27071062 | 1697691219-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2000 | XX | XX | XX |  | 27071063 | 1697605237-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2000 | XX | XX | XX |  | 27071064 | 1697605237-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2000 | XX | XX | XX |  | 27071065 | 1697605237-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2142 | XX | XX | XX |  | 27071072 | 4004260888-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2142 | XX | XX | XX |  | 27071073 | 4004260888-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2142 | XX | XX | XX |  | 27071074 | 4004260888-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 2142 | XX | XX | XX |  | 27071075 | 4004260888-25688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2142 | XX | XX | XX |  | 27071076 | 4004260888-6306 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2142 | XX | XX | XX |  | 27071077 | 4004260888-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $164,317.78 is underdisclosed from calculated Finance Charge of $164,567.78 in the amount of $250.00. | TIL does not include PMI |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2881 | XX | XX | XX |  | 27071067 | 1697710827-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2881 | XX | XX | XX |  | 27071068 | 1697710827-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2881 | XX | XX | XX |  | 27071069 | 1697710827-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2881 | XX | XX | XX |  | 27071070 | 1697710827-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 2881 | XX | XX | XX |  | 27071071 | 1697710827-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1910 | XX | XX | XX |  | 27071084 | 1697182074-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1910 | XX | XX | XX |  | 27071085 | 1697182074-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1910 | XX | XX | XX |  | 27071086 | 1697182074-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1910 | XX | XX | XX |  | 27071087 | 1697182074-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2592 | XX | XX | XX |  | 27071090 | 1697112466-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2175 | XX | XX | XX |  | 27071091 | 4004270009-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2036 | XX | XX | XX |  | 27071100 | 4004198328-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2036 | XX | XX | XX |  | 27071101 | 4004198328-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2036 | XX | XX | XX |  | 27071103 | 4004198328-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 2813 | XX | XX | XX |  | 27071109 | 1696957879-31486 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2813 | XX | XX | XX |  | 27071110 | 1696957879-7042 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2366 | XX | XX | XX |  | 27071123 | 4004241469-2666 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2004, prior to three (3) business days from transaction date of 09/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1994 | XX | XX | XX |  | 27071145 | 4004165013-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | UTD - UTD | D |  |  | No |
| 1994 | XX | XX | XX |  | 27071147 | 4004165013-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | UTD - UTD | D |  |  | No |
| 1994 | XX | XX | XX |  | 27071148 | 4004165013-18330 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | UTD - UTD | D |  |  | No |
| 1994 | XX | XX | XX |  | 27071150 | 4004165013-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | UTD - UTD | D |  |  | No |
| 1994 | XX | XX | XX |  | 27071151 | 4004165013-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NY | UTD | UTD - UTD | D |  |  | No |
| 1994 | XX | XX | XX |  | 27071152 | 4004165013-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | UTD - UTD | D |  |  | No |
| 1994 | XX | XX | XX |  | 27071153 | 4004165013-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | UTD - UTD | D |  |  | No |
| 1994 | XX | XX | XX |  | 27071154 | 4004165013-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1994 | XX | XX | XX |  | 27071155 | 4004165013-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | UTD - UTD | D |  |  | No |
| 2059 | XX | XX | XX |  | 27071156 | 4004128165-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2059 | XX | XX | XX |  | 27071157 | 4004128165-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2059 | XX | XX | XX |  | 27071158 | 4004128165-25688 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2059 | XX | XX | XX |  | 27071159 | 4004128165-6302 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2059 | XX | XX | XX |  | 27071160 | 4004128165-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $123,329.63 is underdisclosed from calculated Finance Charge of $130,672.41 in the amount of $7,342.78. | Under disclosure due to lender used unknown index below 2.1938% minimum index in look back |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2059 | XX | XX | XX |  | 27071161 | 4004128165-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2305 | XX | XX | XX |  | 27071167 | 4004120315-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2305 | XX | XX | XX |  | 27071168 | 4004120315-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2286 | XX | XX | XX |  | 27071183 | 4004300287-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2286 | XX | XX | XX |  | 27071184 | 4004300287-24490 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2286 | XX | XX | XX |  | 27071185 | 4004300287-22137 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2286 | XX | XX | XX |  | 27071186 | 4004300287-7039 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2286 | XX | XX | XX |  | 27071187 | 4004300287-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $91,302.42 is underdisclosed from calculated Finance Charge of $91,715.42 in the amount of $413.00. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2624 | XX | XX | XX |  | 27071189 | 1696456466-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - UTD | D |  |  | No |
| 2624 | XX | XX | XX |  | 27071191 | 1696456466-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - UTD | D |  |  | No |
| 2624 | XX | XX | XX |  | 27071192 | 1696456466-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - UTD | D |  |  | No |
| 2624 | XX | XX | XX |  | 27071193 | 1696456466-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | IL | Primary | Refinance - UTD | D |  |  | No |
| 2624 | XX | XX | XX |  | 27071194 | 1696456466-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - UTD | D |  |  | No |
| 2624 | XX | XX | XX |  | 27071195 | 1696456466-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - UTD | D |  |  | No |
| 2624 | XX | XX | XX |  | 27071196 | 1696456466-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2624 | XX | XX | XX |  | 27071197 | 1696456466-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - UTD | D |  |  | No |
| 2057 | XX | XX | XX |  | 27071206 | 1696255967-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2569 | XX | XX | XX |  | 27071213 | 1696033380-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | No Defined Cure B |  |  | No |
| 2569 | XX | XX | XX |  | 27071214 | 1696033380-6302 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | No Defined Cure B |  |  | No |
| 2488 | XX | XX | XX |  | 27071218 | 1696362580-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2488 | XX | XX | XX |  | 27071220 | 1696362580-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2488 | XX | XX | XX |  | 27071222 | 1696362580-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2488 | XX | XX | XX |  | 27071223 | 1696362580-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2488 | XX | XX | XX |  | 27071224 | 1696362580-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2488 | XX | XX | XX |  | 27071225 | 1696362580-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2488 | XX | XX | XX |  | 27071226 | 1696362580-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 2488 | XX | XX | XX |  | 27071227 | 1696362580-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2488 | XX | XX | XX |  | 27071228 | 1696362580-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IN | UTD | UTD - UTD | D |  |  | No |
| 1924 | XX | XX | XX |  | 27071230 | 4004047366-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 2227 | XX | XX | XX |  | 27071233 | 4003997944-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | UTD - UTD | D |  |  | No |
| 2227 | XX | XX | XX |  | 27071235 | 4003997944-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | UTD - UTD | D |  |  | No |
| 2227 | XX | XX | XX |  | 27071236 | 4003997944-18330 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | UTD - UTD | D |  |  | No |
| 2227 | XX | XX | XX |  | 27071238 | 4003997944-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | UTD - UTD | D |  |  | No |
| 2227 | XX | XX | XX |  | 27071239 | 4003997944-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | SC | UTD | UTD - UTD | D |  |  | No |
| 2227 | XX | XX | XX |  | 27071240 | 4003997944-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | UTD - UTD | D |  |  | No |
| 2227 | XX | XX | XX |  | 27071241 | 4003997944-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | UTD - UTD | D |  |  | No |
| 2227 | XX | XX | XX |  | 27071242 | 4003997944-2778 | 07/14/2022 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | UTD - UTD | D |  |  | No |
| 2227 | XX | XX | XX |  | 27071243 | 4003997944-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2227 | XX | XX | XX |  | 27071244 | 4003997944-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | SC | UTD | UTD - UTD | D |  |  | No |
| 2518 | XX | XX | XX |  | 27071247 | 1695767594-1973 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2518 | XX | XX | XX |  | 27071248 | 1695767594-1976 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2518 | XX | XX | XX |  | 27071249 | 1695767594-6589 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2518 | XX | XX | XX |  | 27071250 | 1695767594-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2518 | XX | XX | XX |  | 27071251 | 1695767594-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2518 | XX | XX | XX |  | 27071252 | 1695767594-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2345 | XX | XX | XX |  | 27071254 | 1695638611-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | B |  |  | No |
| 2345 | XX | XX | XX |  | 27071255 | 1695638611-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Purchase | B |  |  | No |
| 2434 | XX | XX | XX |  | 27071266 | 1695513697-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Purchase | B |  |  | No |
| 2434 | XX | XX | XX |  | 27071267 | 1695513697-4087 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Purchase | B |  |  | No |
| 2434 | XX | XX | XX |  | 27071268 | 1695513697-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Purchase | B |  |  | No |
| 2480 | XX | XX | XX |  | 27071270 | 1696078743-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $77,427.36 is underdisclosed from calculated Finance Charge of $77,677.36 in the amount of $250.00. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2463 | XX | XX | XX |  | 27071273 | 1695620841-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2463 | XX | XX | XX |  | 27071274 | 1695620841-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2463 | XX | XX | XX |  | 27071275 | 1695620841-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2463 | XX | XX | XX |  | 27071276 | 1695620841-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2463 | XX | XX | XX |  | 27071277 | 1695620841-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2463 | XX | XX | XX |  | 27071278 | 1695620841-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2463 | XX | XX | XX |  | 27071279 | 1695620841-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2463 | XX | XX | XX |  | 27071281 | 1695620841-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2821 | XX | XX | XX |  | 27071289 | 1695795000-31486 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2821 | XX | XX | XX |  | 27071290 | 1695795000-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2636 | XX | XX | XX |  | 27071292 | 1695439041-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - UTD | D |  |  | No |
| 2636 | XX | XX | XX |  | 27071293 | 1695439041-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - UTD | D |  |  | No |
| 2636 | XX | XX | XX |  | 27071294 | 1695439041-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MO | UTD | Refinance - UTD | D |  |  | No |
| 2636 | XX | XX | XX |  | 27071295 | 1695439041-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - UTD | D |  |  | No |
| 2636 | XX | XX | XX |  | 27071296 | 1695439041-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2636 | XX | XX | XX |  | 27071297 | 1695439041-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - UTD | D |  |  | No |
| 2636 | XX | XX | XX |  | 27071298 | 1695439041-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - UTD | D |  |  | No |
| 2636 | XX | XX | XX |  | 27071301 | 1695439041-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | UTD | Refinance - UTD | D |  |  | No |
| 1911 | XX | XX | XX |  | 27071314 | 1696194234-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1911 | XX | XX | XX |  | 27071316 | 1696194234-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1911 | XX | XX | XX |  | 27071317 | 1696194234-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1911 | XX | XX | XX |  | 27071318 | 1696194234-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1911 | XX | XX | XX |  | 27071319 | 1696194234-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1911 | XX | XX | XX |  | 27071320 | 1696194234-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2428 | XX | XX | XX |  | 27071346 | 1694950104-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2428 | XX | XX | XX |  | 27071347 | 1694950104-28240 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2506 | XX | XX | XX |  | 27071356 | 1694690163-1973 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2506 | XX | XX | XX |  | 27071357 | 1694690163-1976 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2506 | XX | XX | XX |  | 27071358 | 1694690163-6589 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2506 | XX | XX | XX |  | 27071359 | 1694690163-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2506 | XX | XX | XX |  | 27071360 | 1694690163-2666 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2004, prior to three (3) business days from transaction date of 01/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2090 | XX | XX | XX |  | 27071363 | 4003807607-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 2090 | XX | XX | XX |  | 27071364 | 4003807607-25686 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2090 | XX | XX | XX |  | 27071365 | 4003807607-6302 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2905 | XX | XX | XX |  | 27071368 | 1694290621-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2905 | XX | XX | XX |  | 27071369 | 1694290621-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2708 | XX | XX | XX |  | 27071371 | 4003762917-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2154 | XX | XX | XX |  | 27071375 | 1693957493-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2793 | XX | XX | XX |  | 27071384 | 1693683640-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2793 | XX | XX | XX |  | 27071385 | 1693683640-2666 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2003, prior to three (3) business days from transaction date of 10/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2793 | XX | XX | XX |  | 27071386 | 1693683640-7042 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2793 | XX | XX | XX |  | 27071387 | 1693683640-31486 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2500 | XX | XX | XX |  | 27071389 | 1692871321-1974 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2500 | XX | XX | XX |  | 27071390 | 1692871321-1977 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2500 | XX | XX | XX |  | 27071391 | 1692871321-6589 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2500 | XX | XX | XX |  | 27071392 | 1692871321-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2500 | XX | XX | XX |  | 27071393 | 1692871321-6302 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2500 | XX | XX | XX |  | 27071394 | 1692871321-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2012 | XX | XX | XX |  | 27071396 | 1694486364-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2012 | XX | XX | XX |  | 27071397 | 1694486364-22050 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2012 | XX | XX | XX |  | 27071398 | 1694486364-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2012 | XX | XX | XX |  | 27071399 | 1694486364-7040 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2012 | XX | XX | XX |  | 27071402 | 1694486364-613 | 06/21/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2149 | XX | XX | XX |  | 27071405 | 1693019997-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2826 | XX | XX | XX |  | 27071418 | 1693113930-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2826 | XX | XX | XX |  | 27071419 | 1693113930-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2826 | XX | XX | XX |  | 27071420 | 1693113930-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2826 | XX | XX | XX |  | 27071421 | 1693113930-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2050 | XX | XX | XX |  | 27071430 | 4003642231-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2050 | XX | XX | XX |  | 27071431 | 4003642231-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $88,634.55 is underdisclosed from calculated Finance Charge of $88,701.00 in the amount of $66.45. | TIL itemization did not disclose a courier fee of $32 as a prepaid finance charge; and Under disclosure is due to the lender's TIL reflecting MI being in force for 43 months, however based on the loan amount and appraised value the MI would be in force for 44 months. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2601 | XX | XX | XX |  | 27071433 | 1692887801-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2601 | XX | XX | XX |  | 27071435 | 1692887801-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2601 | XX | XX | XX |  | 27071436 | 1692887801-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2601 | XX | XX | XX |  | 27071437 | 1692887801-4087 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2601 | XX | XX | XX |  | 27071438 | 1692887801-25688 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2706 | XX | XX | XX |  | 27071445 | 4003579508-23038 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2706 | XX | XX | XX |  | 27071447 | 4003579508-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 1899 | XX | XX | XX |  | 27071451 | 1692587156-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1899 | XX | XX | XX |  | 27071453 | 1692587156-22050 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1899 | XX | XX | XX |  | 27071454 | 1692587156-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1899 | XX | XX | XX |  | 27071455 | 1692587156-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2095 | XX | XX | XX |  | 27071471 | 4003512322-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1908 | XX | XX | XX |  | 27071460 | 1689483209-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | UTD | UTD - UTD | D |  |  | No |
| 1908 | XX | XX | XX |  | 27071462 | 1689483209-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MA | UTD | UTD - UTD | D |  |  | No |
| 1908 | XX | XX | XX |  | 27071463 | 1689483209-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MA | UTD | UTD - UTD | D |  |  | No |
| 1908 | XX | XX | XX |  | 27071464 | 1689483209-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MA | UTD | UTD - UTD | D |  |  | No |
| 1908 | XX | XX | XX |  | 27071465 | 1689483209-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | MA | UTD | UTD - UTD | D |  |  | No |
| 1908 | XX | XX | XX |  | 27071466 | 1689483209-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MA | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1908 | XX | XX | XX |  | 27071467 | 1689483209-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MA | UTD | UTD - UTD | D |  |  | No |
| 1908 | XX | XX | XX |  | 27071468 | 1689483209-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | UTD | UTD - UTD | D |  |  | No |
| 1908 | XX | XX | XX |  | 27071470 | 1689483209-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | UTD | UTD - UTD | D |  |  | No |
| 2815 | XX | XX | XX |  | 27071475 | 1689416242-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 2231 | XX | XX | XX |  | 27071485 | 1692352181-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2231 | XX | XX | XX |  | 27071486 | 1692352181-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $146,152.66 is underdisclosed from calculated Finance Charge of $146,338.14 in the amount of $185.48. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2409 | XX | XX | XX |  | 27071495 | 4003517412-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $280,654.70 is underdisclosed from calculated Finance Charge of $282,098.01 in the amount of $1,443.31. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1912 | XX | XX | XX |  | 27071493 | 1692812758-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Purchase | B |  |  | No |
| 1912 | XX | XX | XX |  | 27071494 | 1692812758-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Purchase | B |  |  | No |
| 2836 | XX | XX | XX |  | 27071498 | 4003408357-4087 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Second Home | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2836 | XX | XX | XX |  | 27071499 | 4003408357-25677 | 07/14/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Second Home | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2339 | XX | XX | XX |  | 27071507 | 1689378240-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 2339 | XX | XX | XX |  | 27071508 | 1689378240-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 2339 | XX | XX | XX |  | 27071509 | 1689378240-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 2339 | XX | XX | XX |  | 27071512 | 1689378240-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 2339 | XX | XX | XX |  | 27071513 | 1689378240-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 2339 | XX | XX | XX |  | 27071514 | 1689378240-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 2339 | XX | XX | XX |  | 27071515 | 1689378240-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 2339 | XX | XX | XX |  | 27071516 | 1689378240-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2339 | XX | XX | XX |  | 27071517 | 1689378240-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | UTD - UTD | D |  |  | No |
| 2617 | XX | XX | XX |  | 27071518 | 1689691420-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 2051 | XX | XX | XX |  | 27071535 | 4003309759-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $137,772.47 is underdisclosed from calculated Finance Charge of $137,821.90 in the amount of $49.43. | Under disclosure due to lender did no include $46.50 courier fee as prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2051 | XX | XX | XX |  | 27071536 | 4003309759-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2051 | XX | XX | XX |  | 27071537 | 4003309759-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2051 | XX | XX | XX |  | 27071538 | 4003309759-5010 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2016 | XX | XX | XX |  | 27071541 | 1689121523-18330 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - UTD | D |  |  | No |
| 2016 | XX | XX | XX |  | 27071542 | 1689121523-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - UTD | D |  |  | No |
| 2016 | XX | XX | XX |  | 27071544 | 1689121523-4967 | 06/27/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - UTD | D |  |  | No |
| 2016 | XX | XX | XX |  | 27071545 | 1689121523-20780 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - UTD | D |  |  | No |
| 2016 | XX | XX | XX |  | 27071546 | 1689121523-31485 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NY | UTD | Refinance - UTD | D |  |  | No |
| 2016 | XX | XX | XX |  | 27071547 | 1689121523-7028 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - UTD | D |  |  | No |
| 2016 | XX | XX | XX |  | 27071548 | 1689121523-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2016 | XX | XX | XX |  | 27071549 | 1689121523-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - UTD | D |  |  | No |
| 2016 | XX | XX | XX |  | 27071552 | 1689121523-22137 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - UTD | D |  |  | No |
| 2587 | XX | XX | XX |  | 27071553 | 1688922913-25686 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2587 | XX | XX | XX |  | 27071554 | 1688922913-6302 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2489 | XX | XX | XX |  | 27071557 | 1688388938-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2489 | XX | XX | XX |  | 27071559 | 1688388938-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2489 | XX | XX | XX |  | 27071560 | 1688388938-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2489 | XX | XX | XX |  | 27071561 | 1688388938-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2489 | XX | XX | XX |  | 27071562 | 1688388938-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2710 | XX | XX | XX |  | 27071563 | 1688609353-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2710 | XX | XX | XX |  | 27071564 | 1688609353-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2710 | XX | XX | XX |  | 27071565 | 1688609353-7039 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2738 | XX | XX | XX |  | 27071556 | 1688125052-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2386 | XX | XX | XX |  | 27071566 | 1688073880-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | B |  |  | No |
| 2505 | XX | XX | XX |  | 27071567 | 1688841546-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2505 | XX | XX | XX |  | 27071568 | 1688841546-25677 | 06/27/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2505 | XX | XX | XX |  | 27071569 | 1688841546-1973 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2505 | XX | XX | XX |  | 27071570 | 1688841546-1976 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2505 | XX | XX | XX |  | 27071571 | 1688841546-6589 | 06/27/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2505 | XX | XX | XX |  | 27071572 | 1688841546-25688 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2505 | XX | XX | XX |  | 27071573 | 1688841546-6306 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2906 | XX | XX | XX |  | 27071579 | 1688847193-31486 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | WA | Investment | Refinance - Rate/Term | D |  |  | No |
| 2906 | XX | XX | XX |  | 27071580 | 1688847193-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Investment | Refinance - Rate/Term | D |  |  | No |
| 2502 | XX | XX | XX |  | 27071585 | 1688767897-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2502 | XX | XX | XX |  | 27071587 | 1688767897-1973 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2502 | XX | XX | XX |  | 27071588 | 1688767897-1976 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2502 | XX | XX | XX |  | 27071589 | 1688767897-6589 | 06/21/2022 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2502 | XX | XX | XX |  | 27071590 | 1688767897-25686 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2502 | XX | XX | XX |  | 27071591 | 1688767897-6302 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2502 | XX | XX | XX |  | 27071592 | 1688767897-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2502 | XX | XX | XX |  | 27071593 | 1688767897-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2257 | XX | XX | XX |  | 27071581 | 4003298808-31486 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | GA | Primary | Purchase | D |  |  | No |
| 2257 | XX | XX | XX |  | 27071582 | 4003298808-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $182,085.97 is underdisclosed from calculated Finance Charge of $184,020.97 in the amount of $1,935.00. | Unable to determine underdisclosure due to missing Fee Itemization. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | No |
| 2290 | XX | XX | XX |  | 27071630 | 1686661294-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2290 | XX | XX | XX |  | 27071631 | 1686661294-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2290 | XX | XX | XX |  | 27071632 | 1686661294-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2289 | XX | XX | XX |  | 27071635 | 1687772590-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2289 | XX | XX | XX |  | 27071636 | 1687772590-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2289 | XX | XX | XX |  | 27071637 | 1687772590-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2289 | XX | XX | XX |  | 27071638 | 1687772590-22137 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2289 | XX | XX | XX |  | 27071639 | 1687772590-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2289 | XX | XX | XX |  | 27071640 | 1687772590-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2289 | XX | XX | XX |  | 27071641 | 1687772590-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2289 | XX | XX | XX |  | 27071643 | 1687772590-24490 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 1954 | XX | XX | XX |  | 27071644 | 1687647105-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1954 | XX | XX | XX |  | 27071646 | 1687647105-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1954 | XX | XX | XX |  | 27071648 | 1687647105-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 1954 | XX | XX | XX |  | 27071649 | 1687647105-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1954 | XX | XX | XX |  | 27071650 | 1687647105-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2202 | XX | XX | XX |  | 27071653 | 4003220203-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 2202 | XX | XX | XX |  | 27071654 | 4003220203-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 2202 | XX | XX | XX |  | 27071655 | 4003220203-611 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 2202 | XX | XX | XX |  | 27071656 | 4003220203-613 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 2288 | XX | XX | XX |  | 27071662 | 1686661292-611 | 06/21/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2288 | XX | XX | XX |  | 27071663 | 1686661292-613 | 06/21/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2288 | XX | XX | XX |  | 27071664 | 1686661292-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2288 | XX | XX | XX |  | 27071666 | 1686661292-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2288 | XX | XX | XX |  | 27071667 | 1686661292-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2288 | XX | XX | XX |  | 27071668 | 1686661292-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2288 | XX | XX | XX |  | 27071669 | 1686661292-24490 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2288 | XX | XX | XX |  | 27071670 | 1686661292-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2288 | XX | XX | XX |  | 27071671 | 1686661292-22137 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2288 | XX | XX | XX |  | 27071672 | 1686661292-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2348 | XX | XX | XX |  | 27071677 | 1686702915-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 2553 | XX | XX | XX |  | 27071688 | 1686011112-7027 | 06/28/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2558 | XX | XX | XX |  | 27071691 | 4002997894-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 2558 | XX | XX | XX |  | 27071692 | 4002997894-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 2558 | XX | XX | XX |  | 27071695 | 4002997894-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 2650 | XX | XX | XX |  | 27071690 | 1685055874-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 2049 | XX | XX | XX |  | 27071716 | 1685327757-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2049 | XX | XX | XX |  | 27071718 | 1685327757-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2049 | XX | XX | XX |  | 27071719 | 1685327757-25677 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2777 | XX | XX | XX |  | 27071720 | 1684969517-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | D |  |  | No |
| 2777 | XX | XX | XX |  | 27071721 | 1684969517-31486 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | ID | Primary | Refinance - Rate/Term | D |  |  | No |
| 2777 | XX | XX | XX |  | 27071722 | 1684969517-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $121,694.04 is underdisclosed from calculated Finance Charge of $122,084.84 in the amount of $390.80. | TIL Itemization did not disclose $375.00 Settlement Fee as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | No |
| 2387 | XX | XX | XX |  | 27071756 | 1683801311-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2387 | XX | XX | XX |  | 27071757 | 1683801311-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2387 | XX | XX | XX |  | 27071759 | 1683801311-2666 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2002, prior to three (3) business days from transaction date of 11/XX/2002. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2387 | XX | XX | XX |  | 27071760 | 1683801311-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $106,321.87 is underdisclosed from calculated Finance Charge of $106,411.82 in the amount of $89.95. | TIL Itemization only disclosed attorney charges in the amount of $500 and final HUD reflects $600 |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2719 | XX | XX | XX |  | 27071764 | 1684269721-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2719 | XX | XX | XX |  | 27071765 | 1684269721-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2701 | XX | XX | XX |  | 27071767 | 4002906956-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2701 | XX | XX | XX |  | 27071768 | 4002906956-2659 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $302,267.68 is underdisclosed from calculated Finance Charge of $303,686.14 in the amount of $1,418.46. | Under disclosure is due to the lender's TIL reflecting MI being in force for 120 months, however based on the loan amount and appraised value the MI would be in force for 167 months. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2437 | XX | XX | XX |  | 27071772 | 1683708993-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Purchase | B |  |  | No |
| 2437 | XX | XX | XX |  | 27071773 | 1683708993-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Purchase | B |  |  | No |
| 1892 | XX | XX | XX |  | 27071776 | 1683770106-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1892 | XX | XX | XX |  | 27071777 | 1683770106-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1892 | XX | XX | XX |  | 27071778 | 1683770106-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1892 | XX | XX | XX |  | 27071779 | 1683770106-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2405 | XX | XX | XX |  | 27071787 | 1683138604-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | UTD | Purchase | D |  |  | No |
| 2405 | XX | XX | XX |  | 27071789 | 1683138604-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | UTD | Purchase | D |  |  | No |
| 2405 | XX | XX | XX |  | 27071791 | 1683138604-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | UTD | Purchase | D |  |  | No |
| 2405 | XX | XX | XX |  | 27071792 | 1683138604-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TN | UTD | Purchase | D |  |  | No |
| 2405 | XX | XX | XX |  | 27071793 | 1683138604-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TN | UTD | Purchase | D |  |  | No |
| 2405 | XX | XX | XX |  | 27071794 | 1683138604-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TN | UTD | Purchase | D |  |  | No |
| 2405 | XX | XX | XX |  | 27071795 | 1683138604-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TN | UTD | Purchase | D |  |  | No |
| 2405 | XX | XX | XX |  | 27071796 | 1683138604-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TN | UTD | Purchase | D |  |  | No |
| 2634 | XX | XX | XX |  | 27071800 | 4002531783-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 2573 | XX | XX | XX |  | 27071801 | 1683104798-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2491 | XX | XX | XX |  | 27071824 | 1681806754-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2491 | XX | XX | XX |  | 27071826 | 1681806754-3928 | 06/21/2022 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 2085 | XX | XX | XX |  | 27071842 | 1681672768-3934 | 06/27/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2085 | XX | XX | XX |  | 27071845 | 1681672768-31487 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | PA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2085 | XX | XX | XX |  | 27071846 | 1681672768-7027 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2085 | XX | XX | XX |  | 27071847 | 1681672768-7037 | 06/27/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2085 | XX | XX | XX |  | 27071848 | 1681672768-3494 | 06/27/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2066 | XX | XX | XX |  | 27071855 | 4002246524-7027 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2066 | XX | XX | XX |  | 27071856 | 4002246524-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2069 | XX | XX | XX |  | 27071859 | 1680698157-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | UTD | Purchase | D |  |  | No |
| 2069 | XX | XX | XX |  | 27071861 | 1680698157-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | UTD | Purchase | D |  |  | No |
| 2069 | XX | XX | XX |  | 27071862 | 1680698157-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | UTD | Purchase | D |  |  | No |
| 2069 | XX | XX | XX |  | 27071863 | 1680698157-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | UTD | Purchase | D |  |  | No |
| 2069 | XX | XX | XX |  | 27071864 | 1680698157-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | PA | UTD | Purchase | D |  |  | No |
| 2069 | XX | XX | XX |  | 27071865 | 1680698157-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | UTD | Purchase | D |  |  | No |
| 2069 | XX | XX | XX |  | 27071866 | 1680698157-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | PA | UTD | Purchase | D |  |  | No |
| 2069 | XX | XX | XX |  | 27071867 | 1680698157-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | UTD | Purchase | D |  |  | No |
| 2494 | XX | XX | XX |  | 27071873 | 1680349022-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Investment | Refinance - Rate/Term | B |  |  | No |
| 2319 | XX | XX | XX |  | 27071884 | 4001946070-20780 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2319 | XX | XX | XX |  | 27071885 | 4001946070-31485 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2319 | XX | XX | XX |  | 27071886 | 4001946070-7028 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2319 | XX | XX | XX |  | 27071887 | 4001946070-7037 | 07/14/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2319 | XX | XX | XX |  | 27071888 | 4001946070-3494 | 07/14/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2319 | XX | XX | XX |  | 27071889 | 4001946070-4967 | 07/14/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2319 | XX | XX | XX |  | 27071891 | 4001946070-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2319 | XX | XX | XX |  | 27071892 | 4001946070-18330 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 2255 | XX | XX | XX |  | 27071896 | 1680688626-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2255 | XX | XX | XX |  | 27071897 | 1680688626-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2255 | XX | XX | XX |  | 27071899 | 1680688626-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2255 | XX | XX | XX |  | 27071900 | 1680688626-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2255 | XX | XX | XX |  | 27071901 | 1680688626-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 2779 | XX | XX | XX |  | 27071912 | 1677578749-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2705 | XX | XX | XX |  | 27071918 | 1679293358-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2705 | XX | XX | XX |  | 27071920 | 1679293358-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2705 | XX | XX | XX |  | 27071921 | 1679293358-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2705 | XX | XX | XX |  | 27071922 | 1679293358-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 2784 | XX | XX | XX |  | 27071923 | 1679292917-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | B |  |  | No |
| 2784 | XX | XX | XX |  | 27071925 | 1679292917-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | B |  |  | No |
| 2784 | XX | XX | XX |  | 27071926 | 1679292917-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | B |  |  | No |
| 2784 | XX | XX | XX |  | 27071928 | 1679292917-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | B |  |  | No |
| 2784 | XX | XX | XX |  | 27071929 | 1679292917-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | B |  |  | No |
| 2784 | XX | XX | XX |  | 27071930 | 1679292917-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | UTD | Purchase | B |  |  | No |
| 1927 | XX | XX | XX |  | 27071935 | 1676723980-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 1927 | XX | XX | XX |  | 27071936 | 1676723980-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 1927 | XX | XX | XX |  | 27071937 | 1676723980-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 2184 | XX | XX | XX |  | 27071954 | 1676504437-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2184 | XX | XX | XX |  | 27071955 | 1676504437-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2687 | XX | XX | XX |  | 27071972 | 1676223913-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | B |  |  | No |
| 2687 | XX | XX | XX |  | 27071973 | 1676223913-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | B |  |  | No |
| 2687 | XX | XX | XX |  | 27071974 | 1676223913-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | B |  |  | No |
| 2687 | XX | XX | XX |  | 27071975 | 1676223913-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | B |  |  | No |
| 2258 | XX | XX | XX |  | 27072006 | 1675678481-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2258 | XX | XX | XX |  | 27072007 | 1675678481-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2258 | XX | XX | XX |  | 27072008 | 1675678481-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2258 | XX | XX | XX |  | 27072009 | 1675678481-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 11/XX/1999 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2258 | XX | XX | XX |  | 27072010 | 1675678481-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | GA | UTD | Purchase | D |  |  | No |
| 2258 | XX | XX | XX |  | 27072011 | 1675678481-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2258 | XX | XX | XX |  | 27072012 | 1675678481-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2258 | XX | XX | XX |  | 27072013 | 1675678481-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | UTD | Purchase | D |  |  | No |
| 2195 | XX | XX | XX |  | 27072014 | 4001387805-613 | 07/14/2022 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 2195 | XX | XX | XX |  | 27072015 | 4001387805-3934 | 07/14/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 2530 | XX | XX | XX |  | 27072019 | 1673528239-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2530 | XX | XX | XX |  | 27072020 | 1673528239-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2530 | XX | XX | XX |  | 27072021 | 1673528239-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2746 | XX | XX | XX |  | 27072028 | 1673400540-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2746 | XX | XX | XX |  | 27072029 | 1673400540-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1999 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2746 | XX | XX | XX |  | 27072030 | 1673400540-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TX | Primary | Purchase | D |  |  | No |
| 2746 | XX | XX | XX |  | 27072031 | 1673400540-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2746 | XX | XX | XX |  | 27072032 | 1673400540-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2746 | XX | XX | XX |  | 27072033 | 1673400540-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 2662 | XX | XX | XX |  | 27072048 | 1673376178-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2662 | XX | XX | XX |  | 27072049 | 1673376178-24412 | 06/21/2022 | Compliance | Compliance | State Compliance | State Late Charge | Louisiana Late Charge Percent Testing | Louisiana Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2662 | XX | XX | XX |  | 27072050 | 1673376178-25811 | 06/21/2022 | Compliance | Compliance | State Compliance | State Defect | Louisiana Prepayment Penalty | Louisiana Prepayment Penalty: Maximum penalty allowed per state is 5%, 4%, 3%, 2%, 1% (in Years 1-5). Loan contracts for prepay percentages of 3.87500%, 3.87500%, 3.87500%, 3.87500%, 3.87500%, which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2115 | XX | XX | XX |  | 27072051 | 1669847956-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | B |  |  | No |
| 2115 | XX | XX | XX |  | 27072053 | 1669847956-7027 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | B |  |  | No |
| 2115 | XX | XX | XX |  | 27072054 | 1669847956-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | B |  |  | No |
| 2371 | XX | XX | XX |  | 27072088 | 1666850471-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1997 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2371 | XX | XX | XX |  | 27072089 | 1666850471-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | AL | UTD | Purchase | D |  |  | No |
| 2371 | XX | XX | XX |  | 27072090 | 1666850471-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2371 | XX | XX | XX |  | 27072091 | 1666850471-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2371 | XX | XX | XX |  | 27072092 | 1666850471-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2371 | XX | XX | XX |  | 27072093 | 1666850471-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2371 | XX | XX | XX |  | 27072094 | 1666850471-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2371 | XX | XX | XX |  | 27072096 | 1666850471-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | UTD | Purchase | D |  |  | No |
| 2443 | XX | XX | XX |  | 27072122 | 1662704314-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1994 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2443 | XX | XX | XX |  | 27072123 | 1662704314-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2443 | XX | XX | XX |  | 27072124 | 1662704314-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1994 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2443 | XX | XX | XX |  | 27072125 | 1662704314-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2443 | XX | XX | XX |  | 27072126 | 1662704314-7037 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2443 | XX | XX | XX |  | 27072127 | 1662704314-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2443 | XX | XX | XX |  | 27072128 | 1662704314-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2443 | XX | XX | XX |  | 27072129 | 1662704314-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - UTD | D |  |  | No |
| 2019 | XX | XX | XX |  | 27072168 | 1662209428-2659 | 06/21/2022 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $157,660.71 is underdisclosed from calculated Finance Charge of $158,320.71 in the amount of $660.00. | TIL itemization did not disclose an attorney fee of $570, a courier fee of $20, a doc signing fee of $75, a tax service fee of $33 or a courier fee of $15 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | No |
| 2019 | XX | XX | XX |  | 27072169 | 1662209428-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | D |  |  | No |
| 2019 | XX | XX | XX |  | 27072170 | 1662209428-2799 | 06/21/2022 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  |  |  |  |  |  |  | 3 D | XX | NY | Primary | Refinance - Rate/Term | D |  |  | No |
| 2707 | XX | XX | XX |  | 27072172 | 1422616085-20780 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/1993 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 2707 | XX | XX | XX |  | 27072173 | 1422616085-31485 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TX | UTD | Purchase | D |  |  | No |
| 2707 | XX | XX | XX |  | 27072174 | 1422616085-7028 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 2707 | XX | XX | XX |  | 27072175 | 1422616085-23038 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 2707 | XX | XX | XX |  | 27072176 | 1422616085-3494 | 06/21/2022 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 2707 | XX | XX | XX |  | 27072177 | 1422616085-3934 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 2707 | XX | XX | XX |  | 27072178 | 1422616085-18330 | 06/21/2022 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 2707 | XX | XX | XX |  | 27072179 | 1422616085-4967 | 06/21/2022 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 454 | XX | XX | XX |  | 36798393 | 318172-493-3141 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | C | UTD | Safe Harbor QM | No |
| 454 | XX | XX | XX |  | 36798395 | 318172-493-3867 | 11/30/2017 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Loan does not meet Temp SHQM after being tested due to: Calculated PITIA months reserves of 1.04 is less than AUS PITIA months reserves of 2.00. |  |  |  |  |  |  |  | 3 C | XX | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C | UTD | Safe Harbor QM | No |
| 523 | XX | XX | XX |  | 36798397 | 318369-493-4613 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2017 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XX/12/2017) | Homeowners insurance listed as $995 for 12 months under prepaids. Actual monthly fee is $84.34 x 12 = $1012.08. Renewal in file indicates annual premium of $1,012. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B | UTD | Temporary SHQM (GSE/Agency Eligible) | No |
| 523 | XX | XX | XX |  | 36798399 | 318369-493-4957 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Fees were not reflected in the correct section of the disclosure. |  | Title Agent fee incorrectly reflected in section B versus C. Title Agent no indicated on SSPL. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Debt Consolidation | Good Faith Redisclosure B | UTD | Temporary SHQM (GSE/Agency Eligible) | No |
| 942 | XX | XX | XX |  | 36798403 | 320183-509-1056 | 04/16/2018 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Investment | Purchase | B | N/A | N/A | No |
| 436 | XX | XX | XX |  | 36798406 | 318123-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 436 | XX | XX | XX |  | 36798407 | 318123-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 436 | XX | XX | XX |  | 36798408 | 318123-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 437 | XX | XX | XX |  | 36798409 | 318124-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 437 | XX | XX | XX |  | 36798410 | 318124-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 437 | XX | XX | XX |  | 36798411 | 318124-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 437 | XX | XX | XX |  | 36798412 | 318124-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 437 | XX | XX | XX |  | 36798413 | 318124-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 438 | XX | XX | XX |  | 36798414 | 318126-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 438 | XX | XX | XX |  | 36798415 | 318126-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 438 | XX | XX | XX |  | 36798416 | 318126-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 438 | XX | XX | XX |  | 36798417 | 318126-493-1891 | 11/02/2017 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 438 | XX | XX | XX |  | 36798418 | 318126-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 438 | XX | XX | XX |  | 36798419 | 318126-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 438 | XX | XX | XX |  | 36798420 | 318126-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 439 | XX | XX | XX |  | 36798422 | 318127-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 439 | XX | XX | XX |  | 36798423 | 318127-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 439 | XX | XX | XX |  | 36798424 | 318127-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 439 | XX | XX | XX |  | 36798425 | 318127-493-1891 | 11/02/2017 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 439 | XX | XX | XX |  | 36798426 | 318127-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 439 | XX | XX | XX |  | 36798427 | 318127-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 439 | XX | XX | XX |  | 36798428 | 318127-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 440 | XX | XX | XX |  | 36798430 | 318129-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 441 | XX | XX | XX |  | 36798432 | 318130-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 441 | XX | XX | XX |  | 36798433 | 318130-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 441 | XX | XX | XX |  | 36798434 | 318130-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 441 | XX | XX | XX |  | 36798435 | 318130-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 441 | XX | XX | XX |  | 36798436 | 318130-493-3078 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 442 | XX | XX | XX |  | 36798438 | 318131-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 443 | XX | XX | XX |  | 36798439 | 318132-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 443 | XX | XX | XX |  | 36798440 | 318132-493-1891 | 11/02/2017 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 444 | XX | XX | XX |  | 36798441 | 318133-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 444 | XX | XX | XX |  | 36798442 | 318133-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 444 | XX | XX | XX |  | 36798443 | 318133-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 444 | XX | XX | XX |  | 36798444 | 318133-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 445 | XX | XX | XX |  | 36798447 | 318134-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 445 | XX | XX | XX |  | 36798448 | 318134-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 445 | XX | XX | XX |  | 36798449 | 318134-493-1891 | 11/02/2017 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 445 | XX | XX | XX |  | 36798450 | 318134-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 445 | XX | XX | XX |  | 36798451 | 318134-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 445 | XX | XX | XX |  | 36798452 | 318134-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 446 | XX | XX | XX |  | 36798454 | 318135-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 446 | XX | XX | XX |  | 36798455 | 318135-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 446 | XX | XX | XX |  | 36798456 | 318135-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 446 | XX | XX | XX |  | 36798457 | 318135-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 446 | XX | XX | XX |  | 36798458 | 318135-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 446 | XX | XX | XX |  | 36798459 | 318135-493-1891 | 11/02/2017 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 446 | XX | XX | XX |  | 36798460 | 318135-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 446 | XX | XX | XX |  | 36798461 | 318135-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 447 | XX | XX | XX |  | 36798463 | 318136-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 447 | XX | XX | XX |  | 36798464 | 318136-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 447 | XX | XX | XX |  | 36798465 | 318136-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 448 | XX | XX | XX |  | 36798466 | 318140-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | B |  |  | No |
| 448 | XX | XX | XX |  | 36798467 | 318140-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | B |  |  | No |
| 448 | XX | XX | XX |  | 36798468 | 318140-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | B |  |  | No |
| 448 | XX | XX | XX |  | 36798469 | 318140-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | B |  |  | No |
| 448 | XX | XX | XX |  | 36798470 | 318140-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Purchase | B |  |  | No |
| 449 | XX | XX | XX |  | 36798472 | 318143-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Refinance - Rate/Term | B |  |  | No |
| 449 | XX | XX | XX |  | 36798473 | 318143-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Refinance - Rate/Term | B |  |  | No |
| 449 | XX | XX | XX |  | 36798474 | 318143-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NH | Primary | Refinance - Rate/Term | B |  |  | No |
| 450 | XX | XX | XX |  | 36798475 | 318150-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 450 | XX | XX | XX |  | 36798476 | 318150-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 450 | XX | XX | XX |  | 36798477 | 318150-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 450 | XX | XX | XX |  | 36798478 | 318150-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 450 | XX | XX | XX |  | 36798479 | 318150-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 450 | XX | XX | XX |  | 36798480 | 318150-493-7040 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not provided to all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 450 | XX | XX | XX |  | 36798481 | 318150-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 451 | XX | XX | XX |  | 36798482 | 318154-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 451 | XX | XX | XX |  | 36798483 | 318154-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | B |  |  | No |
| 452 | XX | XX | XX |  | 36798484 | 318158-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 452 | XX | XX | XX |  | 36798485 | 318158-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 452 | XX | XX | XX |  | 36798486 | 318158-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 452 | XX | XX | XX |  | 36798487 | 318158-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 453 | XX | XX | XX |  | 36798488 | 318162-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 453 | XX | XX | XX |  | 36798489 | 318162-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 453 | XX | XX | XX |  | 36798490 | 318162-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 453 | XX | XX | XX |  | 36798491 | 318162-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 453 | XX | XX | XX |  | 36798492 | 318162-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 453 | XX | XX | XX |  | 36798493 | 318162-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 455 | XX | XX | XX |  | 36798495 | 318176-493-5791 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 455 | XX | XX | XX |  | 36798496 | 318176-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 456 | XX | XX | XX |  | 36798497 | 318181-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 456 | XX | XX | XX |  | 36798499 | 318181-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 456 | XX | XX | XX |  | 36798500 | 318181-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 456 | XX | XX | XX |  | 36798501 | 318181-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 456 | XX | XX | XX |  | 36798502 | 318181-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 456 | XX | XX | XX |  | 36798503 | 318181-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 456 | XX | XX | XX |  | 36798504 | 318181-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 457 | XX | XX | XX |  | 36798506 | 318186-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 457 | XX | XX | XX |  | 36798507 | 318186-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 457 | XX | XX | XX |  | 36798508 | 318186-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,246,940.60 is underdisclosed from calculated Finance Charge of $1,248,597.20 in the amount of $1,656.60. | TIL itemization did not disclose the Escrow service fee of $1946.62 as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 459 | XX | XX | XX |  | 36798511 | 318191-493-6326 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  |  |  |  |  |  |  | 3 D | XX | NY | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 459 | XX | XX | XX |  | 36798512 | 318191-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 459 | XX | XX | XX |  | 36798513 | 318191-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 459 | XX | XX | XX |  | 36798514 | 318191-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 459 | XX | XX | XX |  | 36798515 | 318191-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 459 | XX | XX | XX |  | 36798516 | 318191-493-21705 | 11/02/2017 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Grace Period Testing | Note grace period less than minimum per state. | Note grace period of 10 days is less than 15 day minimum per state of NY. |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 459 | XX | XX | XX |  | 36798517 | 318191-493-22134 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 459 | XX | XX | XX |  | 36798518 | 318191-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 459 | XX | XX | XX |  | 36798520 | 318191-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 459 | XX | XX | XX |  | 36798521 | 318191-493-18330 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 459 | XX | XX | XX |  | 36798522 | 318191-493-20162 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 459 | XX | XX | XX |  | 36798523 | 318191-493-20174 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 459 | XX | XX | XX |  | 36798524 | 318191-493-20173 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 460 | XX | XX | XX |  | 36798525 | 318201-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 461 | XX | XX | XX |  | 36798527 | 318202-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 461 | XX | XX | XX |  | 36798528 | 318202-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 461 | XX | XX | XX |  | 36798529 | 318202-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/1998. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 461 | XX | XX | XX |  | 36798530 | 318202-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 463 | XX | XX | XX |  | 36798531 | 318204-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 463 | XX | XX | XX |  | 36798532 | 318204-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 463 | XX | XX | XX |  | 36798533 | 318204-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 463 | XX | XX | XX |  | 36798534 | 318204-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 463 | XX | XX | XX |  | 36798535 | 318204-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 463 | XX | XX | XX |  | 36798536 | 318204-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 464 | XX | XX | XX |  | 36798537 | 318206-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 464 | XX | XX | XX |  | 36798538 | 318206-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 465 | XX | XX | XX |  | 36798539 | 318214-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | B |  |  | No |
| 465 | XX | XX | XX |  | 36798540 | 318214-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | No Defined Cure B |  |  | No |
| 465 | XX | XX | XX |  | 36798541 | 318214-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | No Defined Cure B |  |  | No |
| 465 | XX | XX | XX |  | 36798542 | 318214-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | B |  |  | No |
| 465 | XX | XX | XX |  | 36798543 | 318214-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | B |  |  | No |
| 466 | XX | XX | XX |  | 36798544 | 318215-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 467 | XX | XX | XX |  | 36798545 | 318219-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 467 | XX | XX | XX |  | 36798546 | 318219-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 468 | XX | XX | XX |  | 36798548 | 318220-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 468 | XX | XX | XX |  | 36798549 | 318220-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 468 | XX | XX | XX |  | 36798550 | 318220-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 468 | XX | XX | XX |  | 36798551 | 318220-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 468 | XX | XX | XX |  | 36798552 | 318220-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 468 | XX | XX | XX |  | 36798554 | 318220-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 468 | XX | XX | XX |  | 36798555 | 318220-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 468 | XX | XX | XX |  | 36798556 | 318220-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 469 | XX | XX | XX |  | 36798558 | 318221-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 470 | XX | XX | XX |  | 36798559 | 318224-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 470 | XX | XX | XX |  | 36798560 | 318224-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 470 | XX | XX | XX |  | 36798561 | 318224-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 470 | XX | XX | XX |  | 36798562 | 318224-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 470 | XX | XX | XX |  | 36798563 | 318224-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 471 | XX | XX | XX |  | 36798564 | 318225-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $765,249.40 is underdisclosed from calculated Finance Charge of $765,289.36 in the amount of $39.96. | TIL itemization did not disclose an assignment recording fee of $40 as prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 472 | XX | XX | XX |  | 36798565 | 318226-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Limited Cash-out GSE | B |  |  | No |
| 473 | XX | XX | XX |  | 36798567 | 318229-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | D |  |  | No |
| 473 | XX | XX | XX |  | 36798568 | 318229-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | D |  |  | No |
| 473 | XX | XX | XX |  | 36798569 | 318229-493-6579 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MD | Primary | Purchase | D |  |  | No |
| 473 | XX | XX | XX |  | 36798570 | 318229-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | D |  |  | No |
| 473 | XX | XX | XX |  | 36798571 | 318229-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | D |  |  | No |
| 473 | XX | XX | XX |  | 36798572 | 318229-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | No Defined Cure |  |  | No |
| 474 | XX | XX | XX |  | 36798573 | 318239-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Investment | Purchase | B |  |  | No |
| 475 | XX | XX | XX |  | 36798575 | 318240-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL in file appears to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 475 | XX | XX | XX |  | 36798577 | 318240-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 475 | XX | XX | XX |  | 36798578 | 318240-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 475 | XX | XX | XX |  | 36798579 | 318240-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 475 | XX | XX | XX |  | 36798580 | 318240-493-7040 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not provided to all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 475 | XX | XX | XX |  | 36798581 | 318240-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 476 | XX | XX | XX |  | 36798584 | 318242-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | D |  |  | No |
| 476 | XX | XX | XX |  | 36798585 | 318242-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | D |  |  | No |
| 476 | XX | XX | XX |  | 36798586 | 318242-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | D |  |  | No |
| 476 | XX | XX | XX |  | 36798587 | 318242-493-6579 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MD | Primary | Purchase | D |  |  | No |
| 476 | XX | XX | XX |  | 36798588 | 318242-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | D |  |  | No |
| 476 | XX | XX | XX |  | 36798589 | 318242-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | D |  |  | No |
| 478 | XX | XX | XX |  | 36798592 | 318251-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 478 | XX | XX | XX |  | 36798593 | 318251-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 478 | XX | XX | XX |  | 36798594 | 318251-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 478 | XX | XX | XX |  | 36798595 | 318251-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 479 | XX | XX | XX |  | 36798596 | 318257-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 479 | XX | XX | XX |  | 36798597 | 318257-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 480 | XX | XX | XX |  | 36798599 | 318259-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 480 | XX | XX | XX |  | 36798600 | 318259-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2000 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 480 | XX | XX | XX |  | 36798601 | 318259-493-6579 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 480 | XX | XX | XX |  | 36798602 | 318259-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 480 | XX | XX | XX |  | 36798603 | 318259-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | No Defined Cure |  |  | No |
| 480 | XX | XX | XX |  | 36798604 | 318259-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | No Defined Cure |  |  | No |
| 480 | XX | XX | XX |  | 36798605 | 318259-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission |  |  | No |
| 480 | XX | XX | XX |  | 36798606 | 318259-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 480 | XX | XX | XX |  | 36798607 | 318259-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 480 | XX | XX | XX |  | 36798608 | 318259-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - UTD | D |  |  | No |
| 482 | XX | XX | XX |  | 36798609 | 318261-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 482 | XX | XX | XX |  | 36798610 | 318261-493-2666 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | WV | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 483 | XX | XX | XX |  | 36798611 | 318263-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 483 | XX | XX | XX |  | 36798612 | 318263-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 483 | XX | XX | XX |  | 36798613 | 318263-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 484 | XX | XX | XX |  | 36798614 | 318268-493-20163 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 484 | XX | XX | XX |  | 36798615 | 318268-493-20162 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 484 | XX | XX | XX |  | 36798616 | 318268-493-20172 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 484 | XX | XX | XX |  | 36798617 | 318268-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 484 | XX | XX | XX |  | 36798618 | 318268-493-2666 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2003, prior to three (3) business days from transaction date of 09/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 485 | XX | XX | XX |  | 36798619 | 318270-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 485 | XX | XX | XX |  | 36798620 | 318270-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 485 | XX | XX | XX |  | 36798621 | 318270-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 485 | XX | XX | XX |  | 36798623 | 318270-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 486 | XX | XX | XX |  | 36798624 | 318272-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 487 | XX | XX | XX |  | 36798626 | 318275-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 487 | XX | XX | XX |  | 36798627 | 318275-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 487 | XX | XX | XX |  | 36798628 | 318275-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 487 | XX | XX | XX |  | 36798629 | 318275-493-7039 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 488 | XX | XX | XX |  | 36798630 | 318277-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 489 | XX | XX | XX |  | 36798631 | 318278-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 489 | XX | XX | XX |  | 36798632 | 318278-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 489 | XX | XX | XX |  | 36798633 | 318278-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 489 | XX | XX | XX |  | 36798634 | 318278-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 490 | XX | XX | XX |  | 36798635 | 318286-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 490 | XX | XX | XX |  | 36798636 | 318286-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 490 | XX | XX | XX |  | 36798637 | 318286-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 491 | XX | XX | XX |  | 36798638 | 318297-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 491 | XX | XX | XX |  | 36798639 | 318297-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 491 | XX | XX | XX |  | 36798640 | 318297-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 491 | XX | XX | XX |  | 36798643 | 318297-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 492 | XX | XX | XX |  | 36798645 | 318298-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 493 | XX | XX | XX |  | 36798646 | 318299-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 494 | XX | XX | XX |  | 36798647 | 318301-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 494 | XX | XX | XX |  | 36798648 | 318301-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 494 | XX | XX | XX |  | 36798649 | 318301-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 495 | XX | XX | XX |  | 36798651 | 318303-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 495 | XX | XX | XX |  | 36798652 | 318303-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 495 | XX | XX | XX |  | 36798653 | 318303-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 495 | XX | XX | XX |  | 36798654 | 318303-493-6306 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 496 | XX | XX | XX |  | 36798655 | 318306-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $177,967.21 is underdisclosed from calculated Finance Charge of $178,354.11 in the amount of $386.90. | Itemization did not include $210 Attorney Fee, $10 Flood Cert and $200 Lock Deposit Fee in the prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 496 | XX | XX | XX |  | 36798657 | 318306-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 496 | XX | XX | XX |  | 36798658 | 318306-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 497 | XX | XX | XX |  | 36798659 | 318307-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 498 | XX | XX | XX |  | 36798661 | 318311-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 499 | XX | XX | XX |  | 36798662 | 318312-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 499 | XX | XX | XX |  | 36798663 | 318312-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 500 | XX | XX | XX |  | 36798664 | 318315-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 500 | XX | XX | XX |  | 36798665 | 318315-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 500 | XX | XX | XX |  | 36798666 | 318315-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 500 | XX | XX | XX |  | 36798667 | 318315-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 500 | XX | XX | XX |  | 36798668 | 318315-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 501 | XX | XX | XX |  | 36798669 | 318318-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 501 | XX | XX | XX |  | 36798670 | 318318-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 501 | XX | XX | XX |  | 36798671 | 318318-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 501 | XX | XX | XX |  | 36798672 | 318318-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,231,519.32 is underdisclosed from calculated Finance Charge of $1,231,637.84 in the amount of $118.52. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 502 | XX | XX | XX |  | 36798674 | 318321-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 502 | XX | XX | XX |  | 36798675 | 318321-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 502 | XX | XX | XX |  | 36798676 | 318321-493-6576 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | FL | Primary | Purchase | D |  |  | No |
| 502 | XX | XX | XX |  | 36798677 | 318321-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 502 | XX | XX | XX |  | 36798678 | 318321-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 502 | XX | XX | XX |  | 36798679 | 318321-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $144,137.60 is underdisclosed from calculated Finance Charge of $144,690.38 in the amount of $552.78. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | No |
| 503 | XX | XX | XX |  | 36798681 | 318322-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 503 | XX | XX | XX |  | 36798682 | 318322-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 503 | XX | XX | XX |  | 36798683 | 318322-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 503 | XX | XX | XX |  | 36798685 | 318322-493-7039 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 503 | XX | XX | XX |  | 36798686 | 318322-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 504 | XX | XX | XX |  | 36798691 | 318325-493-6580 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 504 | XX | XX | XX |  | 36798692 | 318325-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2009. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 504 | XX | XX | XX |  | 36798693 | 318325-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $79,151.59 is underdisclosed from calculated Finance Charge of $79,494.04 in the amount of $342.45. | TIL itemization did not disclose a settlement fee or $275 and a courier fee of $45. |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 505 | XX | XX | XX |  | 36798694 | 318327-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 505 | XX | XX | XX |  | 36798695 | 318327-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | No Defined Cure B |  |  | No |
| 506 | XX | XX | XX |  | 36798696 | 318332-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Purchase | B |  |  | No |
| 507 | XX | XX | XX |  | 36798697 | 318336-493-5791 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 507 | XX | XX | XX |  | 36798698 | 318336-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 507 | XX | XX | XX |  | 36798699 | 318336-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 507 | XX | XX | XX |  | 36798700 | 318336-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 507 | XX | XX | XX |  | 36798701 | 318336-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 508 | XX | XX | XX |  | 36798702 | 318337-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 508 | XX | XX | XX |  | 36798703 | 318337-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | B |  |  | No |
| 510 | XX | XX | XX |  | 36798705 | 318340-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 510 | XX | XX | XX |  | 36798706 | 318340-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 511 | XX | XX | XX |  | 36798707 | 318341-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 511 | XX | XX | XX |  | 36798708 | 318341-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 511 | XX | XX | XX |  | 36798709 | 318341-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 511 | XX | XX | XX |  | 36798710 | 318341-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 511 | XX | XX | XX |  | 36798711 | 318341-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 511 | XX | XX | XX |  | 36798712 | 318341-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | B |  |  | No |
| 512 | XX | XX | XX |  | 36798714 | 318347-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 512 | XX | XX | XX |  | 36798715 | 318347-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 512 | XX | XX | XX |  | 36798716 | 318347-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 512 | XX | XX | XX |  | 36798717 | 318347-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 512 | XX | XX | XX |  | 36798718 | 318347-493-1973 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 512 | XX | XX | XX |  | 36798719 | 318347-493-1976 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 512 | XX | XX | XX |  | 36798720 | 318347-493-6589 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 513 | XX | XX | XX |  | 36798721 | 318349-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 513 | XX | XX | XX |  | 36798722 | 318349-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 513 | XX | XX | XX |  | 36798723 | 318349-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 513 | XX | XX | XX |  | 36798724 | 318349-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 513 | XX | XX | XX |  | 36798725 | 318349-493-1973 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 513 | XX | XX | XX |  | 36798726 | 318349-493-1976 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 513 | XX | XX | XX |  | 36798727 | 318349-493-6589 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 513 | XX | XX | XX |  | 36798728 | 318349-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 513 | XX | XX | XX |  | 36798729 | 318349-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 513 | XX | XX | XX |  | 36798730 | 318349-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 514 | XX | XX | XX |  | 36798732 | 318351-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 514 | XX | XX | XX |  | 36798733 | 318351-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 514 | XX | XX | XX |  | 36798735 | 318351-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 514 | XX | XX | XX |  | 36798736 | 318351-493-1973 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 514 | XX | XX | XX |  | 36798737 | 318351-493-1976 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 514 | XX | XX | XX |  | 36798738 | 318351-493-6589 | 11/02/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 514 | XX | XX | XX |  | 36798739 | 318351-493-2666 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 514 | XX | XX | XX |  | 36798740 | 318351-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 515 | XX | XX | XX |  | 36798741 | 318353-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 515 | XX | XX | XX |  | 36798742 | 318353-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | No Defined Cure B |  |  | No |
| 516 | XX | XX | XX |  | 36798743 | 318355-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 516 | XX | XX | XX |  | 36798744 | 318355-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 516 | XX | XX | XX |  | 36798746 | 318355-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 516 | XX | XX | XX |  | 36798747 | 318355-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 516 | XX | XX | XX |  | 36798748 | 318355-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 517 | XX | XX | XX |  | 36798749 | 318356-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 517 | XX | XX | XX |  | 36798750 | 318356-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 517 | XX | XX | XX |  | 36798751 | 318356-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 517 | XX | XX | XX |  | 36798752 | 318356-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $119,536.35 is underdisclosed from calculated Finance Charge of $120,120.81 in the amount of $584.46. | Under disclosure caused by the payment calculation and Broker Fee $XX not included in the amount financed. The under disclosure is reduced by an over disclosure of Closing fee $300 and Lender Doc prep fee $250.00 not charged on the HUD. |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 518 | XX | XX | XX |  | 36798754 | 318358-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 518 | XX | XX | XX |  | 36798755 | 318358-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 518 | XX | XX | XX |  | 36798756 | 318358-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Purchase | B |  |  | No |
| 519 | XX | XX | XX |  | 36798757 | 318360-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 519 | XX | XX | XX |  | 36798759 | 318360-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 519 | XX | XX | XX |  | 36798760 | 318360-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 521 | XX | XX | XX |  | 36798762 | 318363-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 521 | XX | XX | XX |  | 36798763 | 318363-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 521 | XX | XX | XX |  | 36798764 | 318363-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 522 | XX | XX | XX |  | 36798765 | 318365-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 522 | XX | XX | XX |  | 36798766 | 318365-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 522 | XX | XX | XX |  | 36798767 | 318365-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $92,319.89 is underdisclosed from calculated Finance Charge of $92,910.76 in the amount of $590.87. | TIL Itemization did not disclose a processing fee in the amount of $250, an Application fee of $XX, a Courier fee of 15 and a Doc Service Fee of $25 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 524 | XX | XX | XX |  | 36798768 | 318371-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 525 | XX | XX | XX |  | 36798770 | 318373-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 525 | XX | XX | XX |  | 36798771 | 318373-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 525 | XX | XX | XX |  | 36798772 | 318373-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 526 | XX | XX | XX |  | 36798773 | 318375-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 526 | XX | XX | XX |  | 36798774 | 318375-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 526 | XX | XX | XX |  | 36798775 | 318375-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 527 | XX | XX | XX |  | 36798778 | 318378-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 527 | XX | XX | XX |  | 36798779 | 318378-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 527 | XX | XX | XX |  | 36798780 | 318378-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 527 | XX | XX | XX |  | 36798781 | 318378-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Purchase | B |  |  | No |
| 528 | XX | XX | XX |  | 36798783 | 318383-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 528 | XX | XX | XX |  | 36798784 | 318383-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 528 | XX | XX | XX |  | 36798785 | 318383-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 528 | XX | XX | XX |  | 36798786 | 318383-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 528 | XX | XX | XX |  | 36798787 | 318383-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 528 | XX | XX | XX |  | 36798788 | 318383-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 528 | XX | XX | XX |  | 36798789 | 318383-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 529 | XX | XX | XX |  | 36798790 | 318388-493-5791 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 529 | XX | XX | XX |  | 36798791 | 318388-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 529 | XX | XX | XX |  | 36798792 | 318388-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $94,345.68 is underdisclosed from calculated Finance Charge of $94,581.11 in the amount of $235.43. | TIL itemization did not disclose a closing protection letter fee of $25 and a recording service fee of $335 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 531 | XX | XX | XX |  | 36798793 | 318390-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 532 | XX | XX | XX |  | 36798795 | 318391-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Purchase | B |  |  | No |
| 532 | XX | XX | XX |  | 36798796 | 318391-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Primary | Purchase | B |  |  | No |
| 533 | XX | XX | XX |  | 36798799 | 318392-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 533 | XX | XX | XX |  | 36798800 | 318392-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | AR | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 534 | XX | XX | XX |  | 36798801 | 318393-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | B |  |  | No |
| 534 | XX | XX | XX |  | 36798802 | 318393-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $231,026.60 is underdisclosed from calculated Finance Charge of $231,146.82 in the amount of $120.22. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 534 | XX | XX | XX |  | 36798803 | 318393-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | B |  |  | No |
| 535 | XX | XX | XX |  | 36798804 | 318395-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | B |  |  | No |
| 535 | XX | XX | XX |  | 36798805 | 318395-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | B |  |  | No |
| 535 | XX | XX | XX |  | 36798806 | 318395-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Purchase | B |  |  | No |
| 536 | XX | XX | XX |  | 36798809 | 318397-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 536 | XX | XX | XX |  | 36798810 | 318397-493-18330 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 536 | XX | XX | XX |  | 36798811 | 318397-493-6326 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  |  |  |  |  |  |  | 3 D | XX | OK | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 536 | XX | XX | XX |  | 36798812 | 318397-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 536 | XX | XX | XX |  | 36798813 | 318397-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 536 | XX | XX | XX |  | 36798814 | 318397-493-22134 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 536 | XX | XX | XX |  | 36798815 | 318397-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 536 | XX | XX | XX |  | 36798816 | 318397-493-20173 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 536 | XX | XX | XX |  | 36798817 | 318397-493-20174 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | OK | UTD | Refinance - Cash-out - Other | D |  |  | No |
| 537 | XX | XX | XX |  | 36798819 | 318402-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/1999 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 537 | XX | XX | XX |  | 36798820 | 318402-493-6579 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TX | Primary | Purchase | D |  |  | No |
| 537 | XX | XX | XX |  | 36798821 | 318402-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 537 | XX | XX | XX |  | 36798822 | 318402-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure |  |  | No |
| 537 | XX | XX | XX |  | 36798823 | 318402-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure |  |  | No |
| 537 | XX | XX | XX |  | 36798824 | 318402-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 537 | XX | XX | XX |  | 36798825 | 318402-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 537 | XX | XX | XX |  | 36798826 | 318402-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 538 | XX | XX | XX |  | 36798828 | 318406-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 538 | XX | XX | XX |  | 36798829 | 318406-493-6579 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TX | UTD | Purchase | D |  |  | No |
| 538 | XX | XX | XX |  | 36798830 | 318406-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 538 | XX | XX | XX |  | 36798831 | 318406-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 538 | XX | XX | XX |  | 36798832 | 318406-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 538 | XX | XX | XX |  | 36798833 | 318406-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 538 | XX | XX | XX |  | 36798834 | 318406-493-18330 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | UTD | Purchase | D |  |  | No |
| 539 | XX | XX | XX |  | 36798835 | 318411-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 539 | XX | XX | XX |  | 36798836 | 318411-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 539 | XX | XX | XX |  | 36798837 | 318411-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 540 | XX | XX | XX |  | 36798838 | 318413-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 540 | XX | XX | XX |  | 36798839 | 318413-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $60,177.44 is underdisclosed from calculated Finance Charge of $60,301.61 in the amount of $124.17. | Finance charges are under disclosed due to Settlement Fee of $275.00. Per the Itemization, Settlement or Closing fee was $125.00. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 540 | XX | XX | XX |  | 36798840 | 318413-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 541 | XX | XX | XX |  | 36798841 | 318415-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 541 | XX | XX | XX |  | 36798842 | 318415-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 541 | XX | XX | XX |  | 36798843 | 318415-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 541 | XX | XX | XX |  | 36798844 | 318415-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $39,158.97 is underdisclosed from calculated Finance Charge of $39,535.48 in the amount of $376.51. | Unable to determine reason for under disclosure due to missing TIL Itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 541 | XX | XX | XX |  | 36798845 | 318415-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 542 | XX | XX | XX |  | 36798848 | 318418-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  | Missing Initial TIL |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 542 | XX | XX | XX |  | 36798849 | 318418-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 543 | XX | XX | XX |  | 36798850 | 318424-493-6577 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | TX | Second Home | Construction-Permanent | D |  |  | No |
| 544 | XX | XX | XX |  | 36798854 | 318426-493-6580 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 545 | XX | XX | XX |  | 36798856 | 318433-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Purchase | B |  |  | No |
| 545 | XX | XX | XX |  | 36798857 | 318433-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Purchase | B |  |  | No |
| 546 | XX | XX | XX |  | 36798858 | 318438-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | B |  |  | No |
| 546 | XX | XX | XX |  | 36798859 | 318438-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | B |  |  | No |
| 547 | XX | XX | XX |  | 36798861 | 318440-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 547 | XX | XX | XX |  | 36798862 | 318440-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 547 | XX | XX | XX |  | 36798863 | 318440-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 547 | XX | XX | XX |  | 36798864 | 318440-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 547 | XX | XX | XX |  | 36798865 | 318440-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 547 | XX | XX | XX |  | 36798866 | 318440-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 548 | XX | XX | XX |  | 36798867 | 318447-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Purchase | B |  |  | No |
| 548 | XX | XX | XX |  | 36798868 | 318447-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NM | Primary | Purchase | B |  |  | No |
| 549 | XX | XX | XX |  | 36798869 | 318453-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 550 | XX | XX | XX |  | 36798870 | 318454-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 550 | XX | XX | XX |  | 36798871 | 318454-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 550 | XX | XX | XX |  | 36798872 | 318454-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 550 | XX | XX | XX |  | 36798873 | 318454-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 550 | XX | XX | XX |  | 36798874 | 318454-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 550 | XX | XX | XX |  | 36798875 | 318454-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 550 | XX | XX | XX |  | 36798876 | 318454-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 550 | XX | XX | XX |  | 36798878 | 318454-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,363,862.93 is underdisclosed from calculated Finance Charge of $1,364,061.04 in the amount of $198.11. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 551 | XX | XX | XX |  | 36798880 | 318455-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 551 | XX | XX | XX |  | 36798881 | 318455-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 552 | XX | XX | XX |  | 36798883 | 318456-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 552 | XX | XX | XX |  | 36798884 | 318456-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 552 | XX | XX | XX |  | 36798885 | 318456-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 552 | XX | XX | XX |  | 36798886 | 318456-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 552 | XX | XX | XX |  | 36798887 | 318456-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 552 | XX | XX | XX |  | 36798888 | 318456-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 553 | XX | XX | XX |  | 36798890 | 318459-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 553 | XX | XX | XX |  | 36798891 | 318459-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 553 | XX | XX | XX |  | 36798892 | 318459-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 553 | XX | XX | XX |  | 36798893 | 318459-493-2666 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 553 | XX | XX | XX |  | 36798894 | 318459-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 553 | XX | XX | XX |  | 36798895 | 318459-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 553 | XX | XX | XX |  | 36798897 | 318459-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 553 | XX | XX | XX |  | 36798898 | 318459-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 553 | XX | XX | XX |  | 36798900 | 318459-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 554 | XX | XX | XX |  | 36798902 | 318461-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 554 | XX | XX | XX |  | 36798903 | 318461-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 554 | XX | XX | XX |  | 36798904 | 318461-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 554 | XX | XX | XX |  | 36798905 | 318461-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 554 | XX | XX | XX |  | 36798906 | 318461-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 554 | XX | XX | XX |  | 36798907 | 318461-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 554 | XX | XX | XX |  | 36798908 | 318461-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 554 | XX | XX | XX |  | 36798909 | 318461-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 555 | XX | XX | XX |  | 36798912 | 318462-493-6576 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Purchase | D |  |  | No |
| 555 | XX | XX | XX |  | 36798913 | 318462-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 555 | XX | XX | XX |  | 36798914 | 318462-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure |  |  | No |
| 555 | XX | XX | XX |  | 36798915 | 318462-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure |  |  | No |
| 556 | XX | XX | XX |  | 36798917 | 318465-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 557 | XX | XX | XX |  | 36798918 | 318469-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 557 | XX | XX | XX |  | 36798919 | 318469-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 558 | XX | XX | XX |  | 36798920 | 318473-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 558 | XX | XX | XX |  | 36798921 | 318473-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 558 | XX | XX | XX |  | 36798922 | 318473-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $340,384.47 is underdisclosed from calculated Finance Charge of $340,580.00 in the amount of $195.53. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 559 | XX | XX | XX |  | 36798924 | 318484-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 559 | XX | XX | XX |  | 36798925 | 318484-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 559 | XX | XX | XX |  | 36798926 | 318484-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 559 | XX | XX | XX |  | 36798927 | 318484-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 559 | XX | XX | XX |  | 36798928 | 318484-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 559 | XX | XX | XX |  | 36798930 | 318484-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 559 | XX | XX | XX |  | 36798931 | 318484-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 560 | XX | XX | XX |  | 36798932 | 318490-493-6576 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Investment | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 561 | XX | XX | XX |  | 36798933 | 318492-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 561 | XX | XX | XX |  | 36798935 | 318492-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 561 | XX | XX | XX |  | 36798936 | 318492-493-6306 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 562 | XX | XX | XX |  | 36798938 | 318494-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 562 | XX | XX | XX |  | 36798939 | 318494-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 563 | XX | XX | XX |  | 36798940 | 318497-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 563 | XX | XX | XX |  | 36798941 | 318497-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 563 | XX | XX | XX |  | 36798942 | 318497-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 564 | XX | XX | XX |  | 36798944 | 318499-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 564 | XX | XX | XX |  | 36798945 | 318499-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 564 | XX | XX | XX |  | 36798946 | 318499-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 564 | XX | XX | XX |  | 36798947 | 318499-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $564,948.59 is underdisclosed from calculated Finance Charge of $586,054.98 in the amount of $21,106.39. | Closing instructions indicate the Index used was 2.935%. The lowest Index available within the look-back period is 3.08%. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 565 | XX | XX | XX |  | 36798950 | 318502-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 565 | XX | XX | XX |  | 36798951 | 318502-493-20163 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 565 | XX | XX | XX |  | 36798952 | 318502-493-20162 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 565 | XX | XX | XX |  | 36798953 | 318502-493-20173 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 565 | XX | XX | XX |  | 36798954 | 318502-493-20174 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 565 | XX | XX | XX |  | 36798955 | 318502-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 565 | XX | XX | XX |  | 36798956 | 318502-493-22134 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 565 | XX | XX | XX |  | 36798957 | 318502-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 565 | XX | XX | XX |  | 36798958 | 318502-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 566 | XX | XX | XX |  | 36798961 | 318503-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 566 | XX | XX | XX |  | 36798962 | 318503-493-6326 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 566 | XX | XX | XX |  | 36798963 | 318503-493-20780 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 566 | XX | XX | XX |  | 36798964 | 318503-493-7028 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 566 | XX | XX | XX |  | 36798965 | 318503-493-22134 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 566 | XX | XX | XX |  | 36798966 | 318503-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 566 | XX | XX | XX |  | 36798967 | 318503-493-20163 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 566 | XX | XX | XX |  | 36798968 | 318503-493-20162 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 566 | XX | XX | XX |  | 36798969 | 318503-493-20173 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 567 | XX | XX | XX |  | 36798970 | 318504-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 567 | XX | XX | XX |  | 36798971 | 318504-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 567 | XX | XX | XX |  | 36798972 | 318504-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 567 | XX | XX | XX |  | 36798973 | 318504-493-613 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 568 | XX | XX | XX |  | 36798974 | 318506-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 568 | XX | XX | XX |  | 36798975 | 318506-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 568 | XX | XX | XX |  | 36798976 | 318506-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 568 | XX | XX | XX |  | 36798977 | 318506-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,400,210.50 is underdisclosed from calculated Finance Charge of $1,400,846.55 in the amount of $636.05. | Under disclosure is due to the TIL itemization only disclosing prepaid interest in the amount of $156 (1 day) however the loan funded on 10/25 which is 7 days of interest. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 569 | XX | XX | XX |  | 36798979 | 318508-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 569 | XX | XX | XX |  | 36798980 | 318508-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 569 | XX | XX | XX |  | 36798981 | 318508-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 569 | XX | XX | XX |  | 36798982 | 318508-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 569 | XX | XX | XX |  | 36798983 | 318508-493-6301 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 569 | XX | XX | XX |  | 36798984 | 318508-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 569 | XX | XX | XX |  | 36798985 | 318508-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 569 | XX | XX | XX |  | 36798986 | 318508-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 570 | XX | XX | XX |  | 36798987 | 318509-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 570 | XX | XX | XX |  | 36798988 | 318509-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 570 | XX | XX | XX |  | 36798989 | 318509-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 570 | XX | XX | XX |  | 36798990 | 318509-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 570 | XX | XX | XX |  | 36798991 | 318509-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 571 | XX | XX | XX |  | 36798994 | 318510-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 571 | XX | XX | XX |  | 36798995 | 318510-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 571 | XX | XX | XX |  | 36798996 | 318510-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 571 | XX | XX | XX |  | 36798997 | 318510-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 572 | XX | XX | XX |  | 36798998 | 318511-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 572 | XX | XX | XX |  | 36798999 | 318511-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 573 | XX | XX | XX |  | 36799001 | 318512-493-20163 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 573 | XX | XX | XX |  | 36799002 | 318512-493-20162 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 573 | XX | XX | XX |  | 36799003 | 318512-493-20173 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 573 | XX | XX | XX |  | 36799004 | 318512-493-20174 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 573 | XX | XX | XX |  | 36799005 | 318512-493-22134 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 573 | XX | XX | XX |  | 36799006 | 318512-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 573 | XX | XX | XX |  | 36799007 | 318512-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 573 | XX | XX | XX |  | 36799009 | 318512-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 574 | XX | XX | XX |  | 36799010 | 318517-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 574 | XX | XX | XX |  | 36799011 | 318517-493-6305 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 574 | XX | XX | XX |  | 36799012 | 318517-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 575 | XX | XX | XX |  | 36799015 | 318518-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 575 | XX | XX | XX |  | 36799016 | 318518-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 575 | XX | XX | XX |  | 36799017 | 318518-493-18330 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 575 | XX | XX | XX |  | 36799018 | 318518-493-20163 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 575 | XX | XX | XX |  | 36799019 | 318518-493-20162 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 575 | XX | XX | XX |  | 36799020 | 318518-493-20171 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 575 | XX | XX | XX |  | 36799021 | 318518-493-20172 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 575 | XX | XX | XX |  | 36799022 | 318518-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 575 | XX | XX | XX |  | 36799023 | 318518-493-22134 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 575 | XX | XX | XX |  | 36799024 | 318518-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 576 | XX | XX | XX |  | 36799026 | 318522-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 576 | XX | XX | XX |  | 36799027 | 318522-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 576 | XX | XX | XX |  | 36799028 | 318522-493-2659 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $331,434.92 is underdisclosed from calculated Finance Charge of $331,967.12 in the amount of $532.20. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 576 | XX | XX | XX |  | 36799029 | 318522-493-3953 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 576 | XX | XX | XX |  | 36799030 | 318522-493-611 | 11/02/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 577 | XX | XX | XX |  | 36799032 | 318525-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 578 | XX | XX | XX |  | 36799034 | 318526-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | HI | Second Home | Refinance - Cash-out - Other | B |  |  | No |
| 578 | XX | XX | XX |  | 36799035 | 318526-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Second Home | Refinance - Cash-out - Other | B |  |  | No |
| 578 | XX | XX | XX |  | 36799036 | 318526-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Second Home | Refinance - Cash-out - Other | B |  |  | No |
| 578 | XX | XX | XX |  | 36799037 | 318526-493-5780 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | HI | Second Home | Refinance - Cash-out - Other | B |  |  | No |
| 579 | XX | XX | XX |  | 36799038 | 318527-493-5445 | 11/02/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 579 | XX | XX | XX |  | 36799039 | 318527-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 579 | XX | XX | XX |  | 36799040 | 318527-493-22050 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 579 | XX | XX | XX |  | 36799041 | 318527-493-7037 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 579 | XX | XX | XX |  | 36799042 | 318527-493-3494 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 579 | XX | XX | XX |  | 36799043 | 318527-493-4967 | 11/02/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 579 | XX | XX | XX |  | 36799044 | 318527-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 579 | XX | XX | XX |  | 36799046 | 318527-493-3928 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 580 | XX | XX | XX |  | 36799047 | 318531-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | B |  |  | No |
| 580 | XX | XX | XX |  | 36799048 | 318531-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | B |  |  | No |
| 581 | XX | XX | XX |  | 36799050 | 318533-493-4087 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 582 | XX | XX | XX |  | 36799051 | 318534-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 583 | XX | XX | XX |  | 36799054 | 318536-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | B |  |  | No |
| 584 | XX | XX | XX |  | 36799056 | 318538-493-7027 | 11/02/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | B |  |  | No |
| 584 | XX | XX | XX |  | 36799057 | 318538-493-4088 | 11/02/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | B |  |  | No |
| 584 | XX | XX | XX |  | 36799058 | 318538-493-6302 | 11/02/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | No Defined Cure B |  |  | No |
| 584 | XX | XX | XX |  | 36799059 | 318538-493-3934 | 11/02/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Purchase | B |  |  | No |
| 991 | XX | XX | XX |  | 36800055 | 320358-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 992 | XX | XX | XX |  | 36800056 | 320362-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 993 | XX | XX | XX |  | 36800058 | 320363-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 994 | XX | XX | XX |  | 36800060 | 320370-510-4967 | 03/22/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 994 | XX | XX | XX |  | 36800061 | 320370-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 994 | XX | XX | XX |  | 36800062 | 320370-510-20780 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 994 | XX | XX | XX |  | 36800064 | 320370-510-7028 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 994 | XX | XX | XX |  | 36800065 | 320370-510-7037 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 995 | XX | XX | XX |  | 36800068 | 320372-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 995 | XX | XX | XX |  | 36800069 | 320372-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 996 | XX | XX | XX |  | 36800071 | 320375-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 996 | XX | XX | XX |  | 36800072 | 320375-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 996 | XX | XX | XX |  | 36800073 | 320375-510-20780 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 996 | XX | XX | XX |  | 36800074 | 320375-510-2666 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 997 | XX | XX | XX |  | 36800076 | 320377-510-22866 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 998 | XX | XX | XX |  | 36800077 | 320378-510-4087 | 03/22/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 999 | XX | XX | XX |  | 36800082 | 320380-510-4967 | 03/22/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 999 | XX | XX | XX |  | 36800083 | 320380-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 999 | XX | XX | XX |  | 36800087 | 320380-510-23038 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 999 | XX | XX | XX |  | 36800088 | 320380-510-2778 | 03/22/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 999 | XX | XX | XX |  | 36800091 | 320380-510-7027 | 04/10/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 1000 | XX | XX | XX |  | 36800093 | 320385-510-5445 | 03/22/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 1000 | XX | XX | XX |  | 36800094 | 320385-510-7042 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1001 | XX | XX | XX |  | 36800096 | 320389-510-3057 | 03/22/2018 | Compliance | Compliance | State Compliance | State Defect | (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements |  | PPP Expired. Prepayment charge not allowed per state of CO - Prepayment penalties in state are not allowed and note states prepayment at 6 Months interest with in the first 24 months. |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1001 | XX | XX | XX |  | 36800097 | 320389-510-4967 | 03/22/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1001 | XX | XX | XX |  | 36800098 | 320389-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1001 | XX | XX | XX |  | 36800103 | 320389-510-6301 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1001 | XX | XX | XX |  | 36800104 | 320389-510-6302 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1001 | XX | XX | XX |  | 36800105 | 320389-510-7037 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1001 | XX | XX | XX |  | 36800107 | 320389-510-7027 | 04/11/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1002 | XX | XX | XX |  | 36800108 | 320394-510-5445 | 03/22/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1002 | XX | XX | XX |  | 36800109 | 320394-510-2659 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $462,245.78 is underdisclosed from calculated Finance Charge of $462,553.52 in the amount of $307.74. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1003 | XX | XX | XX |  | 36800110 | 320395-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1003 | XX | XX | XX |  | 36800111 | 320395-510-6305 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1003 | XX | XX | XX |  | 36800112 | 320395-510-6306 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1004 | XX | XX | XX |  | 36800114 | 320397-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1004 | XX | XX | XX |  | 36800115 | 320397-510-6305 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1004 | XX | XX | XX |  | 36800116 | 320397-510-6306 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1005 | XX | XX | XX |  | 36800117 | 320398-510-5445 | 03/22/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1005 | XX | XX | XX |  | 36800118 | 320398-510-3953 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1005 | XX | XX | XX |  | 36800120 | 320398-510-611 | 03/22/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1005 | XX | XX | XX |  | 36800121 | 320398-510-613 | 03/22/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 1005 | XX | XX | XX |  | 36800122 | 320398-510-22050 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1006 | XX | XX | XX |  | 36800123 | 320399-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1006 | XX | XX | XX |  | 36800125 | 320399-510-18388 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Loan Package Documentation | High Cost Indicator Flag | Loan does not exceed any high cost thresholds, however, documentation indicating loan was originated as a high cost loan found in file. | Loan file contains a signed disclosure which is labeled "Truth-in-Lending Disclosure (For Section 32 Mortgages)". |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1007 | XX | XX | XX |  | 36800127 | 320400-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 1007 | XX | XX | XX |  | 36800128 | 320400-510-5445 | 03/22/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 1007 | XX | XX | XX |  | 36800129 | 320400-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 1007 | XX | XX | XX |  | 36800130 | 320400-510-7037 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1007 | XX | XX | XX |  | 36800131 | 320400-510-3494 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 1007 | XX | XX | XX |  | 36800133 | 320400-510-6576 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 1007 | XX | XX | XX |  | 36800134 | 320400-510-3928 | 03/22/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 1008 | XX | XX | XX |  | 36800136 | 320402-510-5445 | 03/22/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1008 | XX | XX | XX |  | 36800137 | 320402-510-4088 | 03/22/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1008 | XX | XX | XX |  | 36800138 | 320402-510-3953 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1009 | XX | XX | XX |  | 36800139 | 320406-510-20780 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1009 | XX | XX | XX |  | 36800142 | 320406-510-7037 | 03/22/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1009 | XX | XX | XX |  | 36800144 | 320406-510-4967 | 03/22/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1009 | XX | XX | XX |  | 36800146 | 320406-510-3934 | 03/22/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1009 | XX | XX | XX |  | 36800148 | 320406-510-7027 | 04/10/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1009 | XX | XX | XX |  | 36800149 | 320406-510-3928 | 04/10/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1010 | XX | XX | XX |  | 36800151 | 320407-510-613 | 03/22/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1010 | XX | XX | XX |  | 36800152 | 320407-510-5445 | 03/22/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1010 | XX | XX | XX |  | 36800153 | 320407-510-4087 | 03/22/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 1011 | XX | XX | XX |  | 36800155 | 320408-510-7027 | 03/22/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 924 | XX | XX | XX |  | 36800159 | 320122-509-22137 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 924 | XX | XX | XX |  | 36800160 | 320122-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 01/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 924 | XX | XX | XX |  | 36800161 | 320122-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 01/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 924 | XX | XX | XX |  | 36800162 | 320122-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 925 | XX | XX | XX |  | 36800163 | 320128-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 925 | XX | XX | XX |  | 36800164 | 320128-509-6305 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 925 | XX | XX | XX |  | 36800165 | 320128-509-6306 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 925 | XX | XX | XX |  | 36800166 | 320128-509-22866 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 926 | XX | XX | XX |  | 36800168 | 320129-509-6301 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 926 | XX | XX | XX |  | 36800169 | 320129-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 926 | XX | XX | XX |  | 36800170 | 320129-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 926 | XX | XX | XX |  | 36800171 | 320129-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 926 | XX | XX | XX |  | 36800172 | 320129-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 926 | XX | XX | XX |  | 36800173 | 320129-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 926 | XX | XX | XX |  | 36800174 | 320129-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 927 | XX | XX | XX |  | 36800176 | 320136-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 928 | XX | XX | XX |  | 36800179 | 320140-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 928 | XX | XX | XX |  | 36800180 | 320140-509-6301 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 928 | XX | XX | XX |  | 36800181 | 320140-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 928 | XX | XX | XX |  | 36800182 | 320140-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 928 | XX | XX | XX |  | 36800183 | 320140-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 928 | XX | XX | XX |  | 36800184 | 320140-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 929 | XX | XX | XX |  | 36800187 | 320145-509-2684 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 929 | XX | XX | XX |  | 36800188 | 320145-509-3063 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 930 | XX | XX | XX |  | 36800190 | 320146-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 930 | XX | XX | XX |  | 36800191 | 320146-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 930 | XX | XX | XX |  | 36800192 | 320146-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 930 | XX | XX | XX |  | 36800193 | 320146-509-6301 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 930 | XX | XX | XX |  | 36800194 | 320146-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 931 | XX | XX | XX |  | 36800195 | 320148-509-21706 | 04/17/2018 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Note late charge exceeds maximum per state. | Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5% |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 931 | XX | XX | XX |  | 36800197 | 320148-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 932 | XX | XX | XX |  | 36800198 | 320150-509-611 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 932 | XX | XX | XX |  | 36800199 | 320150-509-613 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 932 | XX | XX | XX |  | 36800200 | 320150-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 932 | XX | XX | XX |  | 36800201 | 320150-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 932 | XX | XX | XX |  | 36800202 | 320150-509-22050 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 932 | XX | XX | XX |  | 36800203 | 320150-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 932 | XX | XX | XX |  | 36800204 | 320150-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 933 | XX | XX | XX |  | 36800205 | 320154-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 934 | XX | XX | XX |  | 36800206 | 320157-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 934 | XX | XX | XX |  | 36800207 | 320157-509-6305 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 934 | XX | XX | XX |  | 36800208 | 320157-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 935 | XX | XX | XX |  | 36800210 | 320158-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | D |  |  | No |
| 935 | XX | XX | XX |  | 36800211 | 320158-509-6576 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | PA | Primary | Purchase | D |  |  | No |
| 935 | XX | XX | XX |  | 36800212 | 320158-509-6301 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | No Defined Cure |  |  | No |
| 935 | XX | XX | XX |  | 36800213 | 320158-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | No Defined Cure |  |  | No |
| 935 | XX | XX | XX |  | 36800214 | 320158-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | D |  |  | No |
| 936 | XX | XX | XX |  | 36800216 | 320159-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 936 | XX | XX | XX |  | 36800217 | 320159-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 936 | XX | XX | XX |  | 36800218 | 320159-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 937 | XX | XX | XX |  | 36800223 | 320162-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2009 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 937 | XX | XX | XX |  | 36800224 | 320162-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 938 | XX | XX | XX |  | 36800226 | 320172-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 938 | XX | XX | XX |  | 36800227 | 320172-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 938 | XX | XX | XX |  | 36800228 | 320172-509-23494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | B |  |  | No |
| 939 | XX | XX | XX |  | 36800229 | 320173-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 939 | XX | XX | XX |  | 36800230 | 320173-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 939 | XX | XX | XX |  | 36800231 | 320173-509-6443 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2009 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.05431% or Final Disclosure APR of 5.06300% is in excess of allowable threshold of APOR 3.41% + 1.5%, or 4.91000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 939 | XX | XX | XX |  | 36800232 | 320173-509-20701 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) | Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 939 | XX | XX | XX |  | 36800233 | 320173-509-1153 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 939 | XX | XX | XX |  | 36800234 | 320173-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2012. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 939 | XX | XX | XX |  | 36800235 | 320173-509-6514 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 939 | XX | XX | XX |  | 36800236 | 320173-509-5437 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 939 | XX | XX | XX |  | 36800237 | 320173-509-6509 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 939 | XX | XX | XX |  | 36800238 | 320173-509-2688 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 939 | XX | XX | XX |  | 36800239 | 320173-509-3353 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 939 | XX | XX | XX |  | 36800240 | 320173-509-18362 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | An Initial Application was not provided. |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 940 | XX | XX | XX |  | 36800242 | 320176-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2002. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 941 | XX | XX | XX |  | 36800243 | 320181-509-20171 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 941 | XX | XX | XX |  | 36800244 | 320181-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 941 | XX | XX | XX |  | 36800245 | 320181-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 943 | XX | XX | XX |  | 36800246 | 320184-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 943 | XX | XX | XX |  | 36800247 | 320184-509-2778 | 04/17/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 943 | XX | XX | XX |  | 36800248 | 320184-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 943 | XX | XX | XX |  | 36800249 | 320184-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 944 | XX | XX | XX |  | 36800252 | 320187-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 944 | XX | XX | XX |  | 36800253 | 320187-509-2778 | 04/17/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 944 | XX | XX | XX |  | 36800254 | 320187-509-5010 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 945 | XX | XX | XX |  | 36800256 | 320189-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 945 | XX | XX | XX |  | 36800257 | 320189-509-2778 | 04/17/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 945 | XX | XX | XX |  | 36800258 | 320189-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 945 | XX | XX | XX |  | 36800259 | 320189-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 946 | XX | XX | XX |  | 36800261 | 320193-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 946 | XX | XX | XX |  | 36800262 | 320193-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 946 | XX | XX | XX |  | 36800263 | 320193-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 946 | XX | XX | XX |  | 36800264 | 320193-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 946 | XX | XX | XX |  | 36800265 | 320193-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 946 | XX | XX | XX |  | 36800266 | 320193-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 947 | XX | XX | XX |  | 36800267 | 320196-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1997. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 947 | XX | XX | XX |  | 36800268 | 320196-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 947 | XX | XX | XX |  | 36800269 | 320196-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 947 | XX | XX | XX |  | 36800270 | 320196-509-2659 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $260,483.25 is underdisclosed from calculated Finance Charge of $261,114.83 in the amount of $631.58. | Unable to determine under disclosure. Unable to use Seller credit of $5,600 on line 206 due to missing breakdown to apply credit. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 948 | XX | XX | XX |  | 36800271 | 320197-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 948 | XX | XX | XX |  | 36800272 | 320197-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 949 | XX | XX | XX |  | 36800274 | 320198-509-20171 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | B |  |  | No |
| 949 | XX | XX | XX |  | 36800275 | 320198-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | B |  |  | No |
| 949 | XX | XX | XX |  | 36800276 | 320198-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | B |  |  | No |
| 949 | XX | XX | XX |  | 36800277 | 320198-509-22866 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | B |  |  | No |
| 949 | XX | XX | XX |  | 36800278 | 320198-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | B |  |  | No |
| 949 | XX | XX | XX |  | 36800279 | 320198-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2002, prior to three (3) business days from transaction date of 05/XX/2002. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 949 | XX | XX | XX |  | 36800280 | 320198-509-20174 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - UTD | B |  |  | No |
| 950 | XX | XX | XX |  | 36800282 | 320201-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 950 | XX | XX | XX |  | 36800283 | 320201-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 950 | XX | XX | XX |  | 36800284 | 320201-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 951 | XX | XX | XX |  | 36800285 | 320202-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 951 | XX | XX | XX |  | 36800286 | 320202-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 952 | XX | XX | XX |  | 36800287 | 320205-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 953 | XX | XX | XX |  | 36800288 | 320210-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 955 | XX | XX | XX |  | 36800289 | 320215-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 956 | XX | XX | XX |  | 36800292 | 320217-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 956 | XX | XX | XX |  | 36800293 | 320217-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 956 | XX | XX | XX |  | 36800294 | 320217-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 956 | XX | XX | XX |  | 36800295 | 320217-509-23494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 957 | XX | XX | XX |  | 36800297 | 320218-509-611 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 957 | XX | XX | XX |  | 36800298 | 320218-509-613 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 957 | XX | XX | XX |  | 36800299 | 320218-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 957 | XX | XX | XX |  | 36800300 | 320218-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 957 | XX | XX | XX |  | 36800301 | 320218-509-22050 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 957 | XX | XX | XX |  | 36800302 | 320218-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2002, prior to three (3) business days from transaction date of 05/XX/2002. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 957 | XX | XX | XX |  | 36800303 | 320218-509-2647 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 958 | XX | XX | XX |  | 36800304 | 320222-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 958 | XX | XX | XX |  | 36800305 | 320222-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 958 | XX | XX | XX |  | 36800306 | 320222-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 958 | XX | XX | XX |  | 36800307 | 320222-509-2219 | 04/17/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Demand Feature) | Ohio Consumer Sales Practices Act: Mortgage loan contains an impermissible demand feature. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 958 | XX | XX | XX |  | 36800308 | 320222-509-2659 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $853,360.77 is underdisclosed from calculated Finance Charge of $853,679.65 in the amount of $318.88. | Verified all fees to itemization of amount financed, unable to determine reason for under disclosure. |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 958 | XX | XX | XX |  | 36800309 | 320222-509-2210 | 04/17/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 958 | XX | XX | XX |  | 36800310 | 320222-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 958 | XX | XX | XX |  | 36800311 | 320222-509-23494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 958 | XX | XX | XX |  | 36800312 | 320222-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 959 | XX | XX | XX |  | 36800314 | 320224-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 959 | XX | XX | XX |  | 36800315 | 320224-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 959 | XX | XX | XX |  | 36800316 | 320224-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 960 | XX | XX | XX |  | 36800317 | 320231-509-6305 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | No Defined Cure B |  |  | No |
| 960 | XX | XX | XX |  | 36800318 | 320231-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Purchase | No Defined Cure B |  |  | No |
| 961 | XX | XX | XX |  | 36800323 | 320235-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Streamlined | B |  |  | No |
| 961 | XX | XX | XX |  | 36800324 | 320235-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Streamlined | B |  |  | No |
| 961 | XX | XX | XX |  | 36800325 | 320235-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Streamlined | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 961 | XX | XX | XX |  | 36800326 | 320235-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Streamlined | B |  |  | No |
| 961 | XX | XX | XX |  | 36800327 | 320235-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | IN | Primary | Refinance - Streamlined | B |  |  | No |
| 962 | XX | XX | XX |  | 36800329 | 320239-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 962 | XX | XX | XX |  | 36800330 | 320239-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 962 | XX | XX | XX |  | 36800331 | 320239-509-1974 | 04/17/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 962 | XX | XX | XX |  | 36800332 | 320239-509-1977 | 04/17/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 962 | XX | XX | XX |  | 36800333 | 320239-509-6589 | 04/17/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 962 | XX | XX | XX |  | 36800334 | 320239-509-23494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 963 | XX | XX | XX |  | 36800335 | 320245-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Purchase | B |  |  | No |
| 966 | XX | XX | XX |  | 36800337 | 320248-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 967 | XX | XX | XX |  | 36800338 | 320265-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 967 | XX | XX | XX |  | 36800339 | 320265-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 967 | XX | XX | XX |  | 36800340 | 320265-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 968 | XX | XX | XX |  | 36800342 | 320268-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 968 | XX | XX | XX |  | 36800343 | 320268-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 968 | XX | XX | XX |  | 36800344 | 320268-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2004, prior to three (3) business days from transaction date of 06/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 970 | XX | XX | XX |  | 36800346 | 320279-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 970 | XX | XX | XX |  | 36800347 | 320279-509-6299 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 970 | XX | XX | XX |  | 36800348 | 320279-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 970 | XX | XX | XX |  | 36800349 | 320279-509-23494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 971 | XX | XX | XX |  | 36800351 | 320281-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 971 | XX | XX | XX |  | 36800352 | 320281-509-4087 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 971 | XX | XX | XX |  | 36800353 | 320281-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 971 | XX | XX | XX |  | 36800354 | 320281-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 972 | XX | XX | XX |  | 36800356 | 320284-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 973 | XX | XX | XX |  | 36800357 | 320287-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 973 | XX | XX | XX |  | 36800358 | 320287-509-2659 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $641,603.33 is underdisclosed from calculated Finance Charge of $661,767.92 in the amount of $20,164.59. | Under-disclosure appears to be due to ARM index. Lowest index within look back period is 4.2306% |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 974 | XX | XX | XX |  | 36800359 | 320288-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 974 | XX | XX | XX |  | 36800360 | 320288-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 975 | XX | XX | XX |  | 36800362 | 320291-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 975 | XX | XX | XX |  | 36800363 | 320291-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 975 | XX | XX | XX |  | 36800364 | 320291-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 976 | XX | XX | XX |  | 36800366 | 320299-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 976 | XX | XX | XX |  | 36800367 | 320299-509-6305 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 976 | XX | XX | XX |  | 36800368 | 320299-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 977 | XX | XX | XX |  | 36800369 | 320304-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | Unable to determine FACTA Credit Score Disclosure was provided due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 977 | XX | XX | XX |  | 36800370 | 320304-509-4087 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 977 | XX | XX | XX |  | 36800371 | 320304-509-611 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 977 | XX | XX | XX |  | 36800372 | 320304-509-613 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 978 | XX | XX | XX |  | 36800374 | 320318-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 978 | XX | XX | XX |  | 36800375 | 320318-509-6577 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 979 | XX | XX | XX |  | 36800376 | 320320-509-5791 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 980 | XX | XX | XX |  | 36800378 | 320321-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 980 | XX | XX | XX |  | 36800379 | 320321-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 980 | XX | XX | XX |  | 36800380 | 320321-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 980 | XX | XX | XX |  | 36800381 | 320321-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 980 | XX | XX | XX |  | 36800382 | 320321-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 980 | XX | XX | XX |  | 36800383 | 320321-509-5010 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 981 | XX | XX | XX |  | 36800385 | 320322-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 981 | XX | XX | XX |  | 36800386 | 320322-509-6305 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 981 | XX | XX | XX |  | 36800387 | 320322-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 982 | XX | XX | XX |  | 36800388 | 320323-509-5445 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 982 | XX | XX | XX |  | 36800389 | 320323-509-611 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 982 | XX | XX | XX |  | 36800390 | 320323-509-613 | 04/17/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 983 | XX | XX | XX |  | 36800392 | 320326-509-4967 | 04/17/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 983 | XX | XX | XX |  | 36800393 | 320326-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 983 | XX | XX | XX |  | 36800394 | 320326-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 983 | XX | XX | XX |  | 36800395 | 320326-509-6579 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 983 | XX | XX | XX |  | 36800396 | 320326-509-7028 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 983 | XX | XX | XX |  | 36800397 | 320326-509-6301 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | No Defined Cure |  |  | No |
| 983 | XX | XX | XX |  | 36800398 | 320326-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | No Defined Cure |  |  | No |
| 983 | XX | XX | XX |  | 36800399 | 320326-509-7037 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 983 | XX | XX | XX |  | 36800400 | 320326-509-3494 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 984 | XX | XX | XX |  | 36800401 | 320327-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 984 | XX | XX | XX |  | 36800402 | 320327-509-23495 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 984 | XX | XX | XX |  | 36800403 | 320327-509-6302 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 984 | XX | XX | XX |  | 36800404 | 320327-509-3934 | 04/17/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 985 | XX | XX | XX |  | 36800406 | 320331-509-20780 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 986 | XX | XX | XX |  | 36800408 | 320332-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 987 | XX | XX | XX |  | 36800409 | 320345-509-2666 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2008, prior to three (3) business days from transaction date of 07/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 988 | XX | XX | XX |  | 36800415 | 320346-509-7027 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | B |  |  | No |
| 988 | XX | XX | XX |  | 36800416 | 320346-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | B |  |  | No |
| 988 | XX | XX | XX |  | 36800417 | 320346-509-2659 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $110,511.37 is underdisclosed from calculated Finance Charge of $111,723.13 in the amount of $1,211.76. | The itemization included the $1,143.20 MIP refund to reduce the prepaid finance charges. The $50 government service fee was not included in the prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 989 | XX | XX | XX |  | 36800418 | 320348-509-5791 | 04/17/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | OR | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 990 | XX | XX | XX |  | 36800419 | 320353-509-6577 | 04/17/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 990 | XX | XX | XX |  | 36800420 | 320353-509-4088 | 04/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 990 | XX | XX | XX |  | 36800421 | 320353-509-6305 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 990 | XX | XX | XX |  | 36800422 | 320353-509-6306 | 04/17/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 834 | XX | XX | XX |  | 36800425 | 319822-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 834 | XX | XX | XX |  | 36800426 | 319822-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 835 | XX | XX | XX |  | 36800428 | 319827-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 837 | XX | XX | XX |  | 36800429 | 319841-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $336,501.28 is underdisclosed from calculated Finance Charge of $336,547.73 in the amount of $46.45. | Unable to determine the fee under disclosure due to missing the itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 838 | XX | XX | XX |  | 36800430 | 319846-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 838 | XX | XX | XX |  | 36800431 | 319846-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 838 | XX | XX | XX |  | 36800432 | 319846-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 839 | XX | XX | XX |  | 36800434 | 319851-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 839 | XX | XX | XX |  | 36800435 | 319851-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 840 | XX | XX | XX |  | 36800437 | 319852-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 840 | XX | XX | XX |  | 36800438 | 319852-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 840 | XX | XX | XX |  | 36800439 | 319852-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 840 | XX | XX | XX |  | 36800440 | 319852-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 841 | XX | XX | XX |  | 36800442 | 319856-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 841 | XX | XX | XX |  | 36800443 | 319856-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 841 | XX | XX | XX |  | 36800444 | 319856-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/1990 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 842 | XX | XX | XX |  | 36800446 | 319864-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 842 | XX | XX | XX |  | 36800447 | 319864-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 842 | XX | XX | XX |  | 36800448 | 319864-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 842 | XX | XX | XX |  | 36800449 | 319864-500-6301 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | No Defined Cure |  |  | No |
| 842 | XX | XX | XX |  | 36800450 | 319864-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | No Defined Cure |  |  | No |
| 842 | XX | XX | XX |  | 36800451 | 319864-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 842 | XX | XX | XX |  | 36800452 | 319864-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 842 | XX | XX | XX |  | 36800453 | 319864-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 842 | XX | XX | XX |  | 36800454 | 319864-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 843 | XX | XX | XX |  | 36800455 | 319866-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 845 | XX | XX | XX |  | 36800458 | 319871-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 846 | XX | XX | XX |  | 36800461 | 319874-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 846 | XX | XX | XX |  | 36800462 | 319874-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 846 | XX | XX | XX |  | 36800463 | 319874-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 846 | XX | XX | XX |  | 36800464 | 319874-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 846 | XX | XX | XX |  | 36800465 | 319874-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 846 | XX | XX | XX |  | 36800466 | 319874-500-6576 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 847 | XX | XX | XX |  | 36800469 | 319888-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2010. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800470 | 319888-500-2705 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | Unable to determine if the HUD-1 column on page 3 of the Final HUD-1 is accurate as compared to the charges on page 2 of the disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800471 | 319888-500-2706 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 indicates the loan contains an escrow payment due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800472 | 319888-500-2707 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual interest rate due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800473 | 319888-500-2709 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual Loan Amount due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800474 | 319888-500-2710 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Term on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual Loan Term due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800475 | 319888-500-2794 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual payment due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800476 | 319888-500-4561 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Incorrect HUD-1 Form Used | Unable to determine if the Final HUD-1 Settlement Statement is on the proper 2010 form due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800477 | 319888-500-2713 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800478 | 319888-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800479 | 319888-500-3141 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800480 | 319888-500-7115 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B |  |  | No |
| 847 | XX | XX | XX |  | 36800481 | 319888-500-2688 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800482 | 319888-500-3078 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800483 | 319888-500-18362 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing evidence of application date. |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 847 | XX | XX | XX |  | 36800484 | 319888-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 848 | XX | XX | XX |  | 36800485 | 319890-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 849 | XX | XX | XX |  | 36800487 | 319894-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 849 | XX | XX | XX |  | 36800489 | 319894-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 849 | XX | XX | XX |  | 36800490 | 319894-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 850 | XX | XX | XX |  | 36800491 | 319895-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 853 | XX | XX | XX |  | 36800494 | 319900-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 853 | XX | XX | XX |  | 36800495 | 319900-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 853 | XX | XX | XX |  | 36800496 | 319900-500-2666 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 854 | XX | XX | XX |  | 36800497 | 319905-500-6299 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Purchase | No Defined Cure B |  |  | No |
| 855 | XX | XX | XX |  | 36800499 | 319906-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 855 | XX | XX | XX |  | 36800500 | 319906-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 855 | XX | XX | XX |  | 36800501 | 319906-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/1997 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 855 | XX | XX | XX |  | 36800502 | 319906-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | VA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 855 | XX | XX | XX |  | 36800503 | 319906-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/1996. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 855 | XX | XX | XX |  | 36800504 | 319906-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 855 | XX | XX | XX |  | 36800505 | 319906-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 856 | XX | XX | XX |  | 36800507 | 319907-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 856 | XX | XX | XX |  | 36800508 | 319907-500-5445 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 856 | XX | XX | XX |  | 36800509 | 319907-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 856 | XX | XX | XX |  | 36800510 | 319907-500-6301 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 856 | XX | XX | XX |  | 36800511 | 319907-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 856 | XX | XX | XX |  | 36800512 | 319907-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 856 | XX | XX | XX |  | 36800513 | 319907-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 857 | XX | XX | XX |  | 36800515 | 319912-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 857 | XX | XX | XX |  | 36800516 | 319912-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $142,820.26 is underdisclosed from calculated Finance Charge of $143,015.32 in the amount of $195.06. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 858 | XX | XX | XX |  | 36800518 | 319913-500-5445 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 858 | XX | XX | XX |  | 36800519 | 319913-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 858 | XX | XX | XX |  | 36800520 | 319913-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 858 | XX | XX | XX |  | 36800521 | 319913-500-2666 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2006, prior to three (3) business days from transaction date of 04/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 859 | XX | XX | XX |  | 36800522 | 319916-500-710 | 04/16/2018 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | Late charge of 6% exceeds (VA) State maximum of 5%. |  |  |  |  |  |  |  | 2 B | XX | VA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 859 | XX | XX | XX |  | 36800524 | 319916-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 859 | XX | XX | XX |  | 36800525 | 319916-500-22279 | 04/16/2018 | Compliance | Compliance | State Compliance | State Late Charge | Virginia Late Charge Percent Testing | Note late charge exceeds maximum per state. | Late charge of 6% exceeds state (VA) maximum of 5%. |  |  |  |  |  |  |  | 2 B | XX | VA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 860 | XX | XX | XX |  | 36800526 | 319924-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 860 | XX | XX | XX |  | 36800528 | 319924-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 860 | XX | XX | XX |  | 36800529 | 319924-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $152,182.23 is underdisclosed from calculated Finance Charge of $152,404.90 in the amount of $222.67. | Under disclosure due to Email fee $75 not on itemization and Lender over estimated Settlement fee by $125 |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 861 | XX | XX | XX |  | 36800530 | 319925-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Investment | Purchase | B |  |  | No |
| 861 | XX | XX | XX |  | 36800531 | 319925-500-5445 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Investment | Purchase | B |  |  | No |
| 863 | XX | XX | XX |  | 36800533 | 319929-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | No Defined Cure B |  |  | No |
| 863 | XX | XX | XX |  | 36800534 | 319929-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | No Defined Cure B |  |  | No |
| 864 | XX | XX | XX |  | 36800535 | 319931-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 864 | XX | XX | XX |  | 36800536 | 319931-500-2778 | 04/16/2018 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 865 | XX | XX | XX |  | 36800539 | 319945-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - UTD | D |  |  | No |
| 865 | XX | XX | XX |  | 36800540 | 319945-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - UTD | D |  |  | No |
| 865 | XX | XX | XX |  | 36800541 | 319945-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - UTD | D |  |  | No |
| 865 | XX | XX | XX |  | 36800542 | 319945-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | Primary | Refinance - UTD | D |  |  | No |
| 865 | XX | XX | XX |  | 36800543 | 319945-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - UTD | D |  |  | No |
| 865 | XX | XX | XX |  | 36800544 | 319945-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 865 | XX | XX | XX |  | 36800545 | 319945-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - UTD | D |  |  | No |
| 866 | XX | XX | XX |  | 36800547 | 319946-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 866 | XX | XX | XX |  | 36800548 | 319946-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 866 | XX | XX | XX |  | 36800549 | 319946-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 866 | XX | XX | XX |  | 36800550 | 319946-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 866 | XX | XX | XX |  | 36800551 | 319946-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 866 | XX | XX | XX |  | 36800552 | 319946-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 866 | XX | XX | XX |  | 36800553 | 319946-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 866 | XX | XX | XX |  | 36800554 | 319946-500-18330 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | UTD | Refinance - UTD | D |  |  | No |
| 867 | XX | XX | XX |  | 36800555 | 319948-500-5791 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 867 | XX | XX | XX |  | 36800556 | 319948-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 867 | XX | XX | XX |  | 36800557 | 319948-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 867 | XX | XX | XX |  | 36800558 | 319948-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 867 | XX | XX | XX |  | 36800559 | 319948-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 868 | XX | XX | XX |  | 36800562 | 319953-500-611 | 04/16/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 868 | XX | XX | XX |  | 36800563 | 319953-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 868 | XX | XX | XX |  | 36800564 | 319953-500-23495 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 868 | XX | XX | XX |  | 36800565 | 319953-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $404,021.72 is underdisclosed from calculated Finance Charge of $404,233.69 in the amount of $211.97. | TIL itemization did not disclose service charges of $20.00, a tax service fee of $72.00, a courier fee of $70.00, a recording service charge of $15.00 and a wire fee of $35.00 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 868 | XX | XX | XX |  | 36800566 | 319953-500-23494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 869 | XX | XX | XX |  | 36800568 | 319954-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 869 | XX | XX | XX |  | 36800569 | 319954-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 869 | XX | XX | XX |  | 36800570 | 319954-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | Primary | Purchase | D |  |  | No |
| 869 | XX | XX | XX |  | 36800571 | 319954-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 869 | XX | XX | XX |  | 36800572 | 319954-500-6301 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure |  |  | No |
| 869 | XX | XX | XX |  | 36800573 | 319954-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure |  |  | No |
| 869 | XX | XX | XX |  | 36800574 | 319954-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 869 | XX | XX | XX |  | 36800575 | 319954-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 870 | XX | XX | XX |  | 36800576 | 319960-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 871 | XX | XX | XX |  | 36800577 | 319962-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 873 | XX | XX | XX |  | 36800578 | 319969-500-5780 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 873 | XX | XX | XX |  | 36800580 | 319969-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 873 | XX | XX | XX |  | 36800581 | 319969-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 874 | XX | XX | XX |  | 36800582 | 319971-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 874 | XX | XX | XX |  | 36800583 | 319971-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 874 | XX | XX | XX |  | 36800584 | 319971-500-22050 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 874 | XX | XX | XX |  | 36800585 | 319971-500-2647 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 874 | XX | XX | XX |  | 36800586 | 319971-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 875 | XX | XX | XX |  | 36800589 | 319974-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 876 | XX | XX | XX |  | 36800591 | 319976-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $224,434.10 is underdisclosed from calculated Finance Charge of $224,965.13 in the amount of $531.03. | TIL itemization did not disclose a settlement fee of $489.00, a wire fee of $20.00, an assignment recording fee of $30.00 and a courier fee of $11.90 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 877 | XX | XX | XX |  | 36800593 | 319977-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 877 | XX | XX | XX |  | 36800594 | 319977-500-5780 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 878 | XX | XX | XX |  | 36800596 | 319979-500-5445 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 878 | XX | XX | XX |  | 36800597 | 319979-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 878 | XX | XX | XX |  | 36800598 | 319979-500-1974 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 878 | XX | XX | XX |  | 36800599 | 319979-500-1977 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 878 | XX | XX | XX |  | 36800600 | 319979-500-6589 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 878 | XX | XX | XX |  | 36800601 | 319979-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 878 | XX | XX | XX |  | 36800602 | 319979-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 879 | XX | XX | XX |  | 36800603 | 319980-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 879 | XX | XX | XX |  | 36800604 | 319980-500-1973 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 879 | XX | XX | XX |  | 36800605 | 319980-500-1976 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 879 | XX | XX | XX |  | 36800606 | 319980-500-6589 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 879 | XX | XX | XX |  | 36800607 | 319980-500-23495 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 879 | XX | XX | XX |  | 36800608 | 319980-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 880 | XX | XX | XX |  | 36800610 | 319981-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 880 | XX | XX | XX |  | 36800611 | 319981-500-1974 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 880 | XX | XX | XX |  | 36800612 | 319981-500-1977 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 880 | XX | XX | XX |  | 36800613 | 319981-500-6589 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 880 | XX | XX | XX |  | 36800614 | 319981-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 880 | XX | XX | XX |  | 36800615 | 319981-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 881 | XX | XX | XX |  | 36800617 | 319983-500-20735 | 04/16/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Purchase | B |  |  | No |
| 881 | XX | XX | XX |  | 36800618 | 319983-500-22214 | 04/16/2018 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) | Minnesota Subprime Loan: APR on subject loan of 7.56351% or Final Disclosure APR of 7.63800% is in excess of allowable threshold of USTreasury 4.5400% + 3%, or 7.54000%. Compliant Subprime Loan. |  |  |  |  |  |  |  |  | 2 A | XX | MN | Primary | Purchase | No obvious cure B |  |  | No |
| 882 | XX | XX | XX |  | 36800620 | 319985-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 882 | XX | XX | XX |  | 36800621 | 319985-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 882 | XX | XX | XX |  | 36800622 | 319985-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 882 | XX | XX | XX |  | 36800623 | 319985-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 883 | XX | XX | XX |  | 36800624 | 319987-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $206,080.68 is underdisclosed from calculated Finance Charge of $206,150.77 in the amount of $70.09. | TIL itemization did not disclose a courier fee of $70 as prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 883 | XX | XX | XX |  | 36800625 | 319987-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 884 | XX | XX | XX |  | 36800626 | 320001-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 884 | XX | XX | XX |  | 36800627 | 320001-500-7042 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 885 | XX | XX | XX |  | 36800628 | 320002-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 885 | XX | XX | XX |  | 36800629 | 320002-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 885 | XX | XX | XX |  | 36800631 | 320002-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $213,474.64 is underdisclosed from calculated Finance Charge of $213,929.98 in the amount of $455.34. | Unable to determine reason for under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 886 | XX | XX | XX |  | 36800632 | 320004-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $226,781.83 is underdisclosed from calculated Finance Charge of $226,831.95 in the amount of $50.12. | TIL itemization did not disclose a courier fee of $40 or an assessment letter fee of $10 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | OK | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 887 | XX | XX | XX |  | 36800633 | 320006-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Limited Cash-out GSE | No Defined Cure B |  |  | No |
| 888 | XX | XX | XX |  | 36800635 | 320008-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 888 | XX | XX | XX |  | 36800636 | 320008-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 889 | XX | XX | XX |  | 36800637 | 320013-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 889 | XX | XX | XX |  | 36800638 | 320013-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $132,089.68 is underdisclosed from calculated Finance Charge of $132,304.27 in the amount of $214.59. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 890 | XX | XX | XX |  | 36800640 | 320016-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 890 | XX | XX | XX |  | 36800641 | 320016-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TX | Primary | Purchase | D |  |  | No |
| 890 | XX | XX | XX |  | 36800642 | 320016-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 890 | XX | XX | XX |  | 36800643 | 320016-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 890 | XX | XX | XX |  | 36800644 | 320016-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 890 | XX | XX | XX |  | 36800646 | 320016-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 891 | XX | XX | XX |  | 36800648 | 320017-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 891 | XX | XX | XX |  | 36800649 | 320017-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 892 | XX | XX | XX |  | 36800650 | 320018-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 893 | XX | XX | XX |  | 36800651 | 320019-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 893 | XX | XX | XX |  | 36800652 | 320019-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 894 | XX | XX | XX |  | 36800656 | 320022-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 894 | XX | XX | XX |  | 36800657 | 320022-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 895 | XX | XX | XX |  | 36800658 | 320028-500-5791 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 896 | XX | XX | XX |  | 36800660 | 320034-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 896 | XX | XX | XX |  | 36800661 | 320034-500-2666 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 896 | XX | XX | XX |  | 36800662 | 320034-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 897 | XX | XX | XX |  | 36800663 | 320040-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 897 | XX | XX | XX |  | 36800664 | 320040-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 897 | XX | XX | XX |  | 36800665 | 320040-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 898 | XX | XX | XX |  | 36800666 | 320043-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 898 | XX | XX | XX |  | 36800667 | 320043-500-5445 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 898 | XX | XX | XX |  | 36800668 | 320043-500-613 | 04/16/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | B |  |  | No |
| 898 | XX | XX | XX |  | 36800669 | 320043-500-22050 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 900 | XX | XX | XX |  | 36800671 | 320048-500-6577 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 900 | XX | XX | XX |  | 36800672 | 320048-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 900 | XX | XX | XX |  | 36800673 | 320048-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure |  |  | No |
| 900 | XX | XX | XX |  | 36800674 | 320048-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure |  |  | No |
| 900 | XX | XX | XX |  | 36800675 | 320048-500-2666 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 01/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 901 | XX | XX | XX |  | 36800677 | 320049-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 902 | XX | XX | XX |  | 36800680 | 320050-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 902 | XX | XX | XX |  | 36800681 | 320050-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 902 | XX | XX | XX |  | 36800682 | 320050-500-20780 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 902 | XX | XX | XX |  | 36800683 | 320050-500-6579 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Purchase | D |  |  | No |
| 902 | XX | XX | XX |  | 36800684 | 320050-500-7028 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 902 | XX | XX | XX |  | 36800685 | 320050-500-6301 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure |  |  | No |
| 902 | XX | XX | XX |  | 36800686 | 320050-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure |  |  | No |
| 902 | XX | XX | XX |  | 36800687 | 320050-500-3494 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 903 | XX | XX | XX |  | 36800688 | 320052-500-5791 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 903 | XX | XX | XX |  | 36800689 | 320052-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 904 | XX | XX | XX |  | 36800691 | 320054-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 905 | XX | XX | XX |  | 36800692 | 320057-500-3934 | 04/16/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 905 | XX | XX | XX |  | 36800696 | 320057-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 905 | XX | XX | XX |  | 36800699 | 320057-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 905 | XX | XX | XX |  | 36800700 | 320057-500-7027 | 04/18/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 907 | XX | XX | XX |  | 36800702 | 320063-500-4967 | 04/16/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 907 | XX | XX | XX |  | 36800703 | 320063-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 907 | XX | XX | XX |  | 36800704 | 320063-500-7037 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 908 | XX | XX | XX |  | 36800705 | 320064-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 910 | XX | XX | XX |  | 36800706 | 320075-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 910 | XX | XX | XX |  | 36800707 | 320075-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 910 | XX | XX | XX |  | 36800708 | 320075-500-2659 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $415,779.49 is underdisclosed from calculated Finance Charge of $415,908.74 in the amount of $129.25. | Unable to determine reason for under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 911 | XX | XX | XX |  | 36800709 | 320076-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 912 | XX | XX | XX |  | 36800710 | 320078-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 913 | XX | XX | XX |  | 36800711 | 320082-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 913 | XX | XX | XX |  | 36800712 | 320082-500-6302 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 913 | XX | XX | XX |  | 36800713 | 320082-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 915 | XX | XX | XX |  | 36800715 | 320084-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 915 | XX | XX | XX |  | 36800716 | 320084-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 915 | XX | XX | XX |  | 36800717 | 320084-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 916 | XX | XX | XX |  | 36800719 | 320085-500-6576 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Purchase | D |  |  | No |
| 916 | XX | XX | XX |  | 36800720 | 320085-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 916 | XX | XX | XX |  | 36800721 | 320085-500-23495 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 916 | XX | XX | XX |  | 36800722 | 320085-500-3928 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | D |  |  | No |
| 917 | XX | XX | XX |  | 36800724 | 320092-500-6305 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 917 | XX | XX | XX |  | 36800725 | 320092-500-6306 | 04/16/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 917 | XX | XX | XX |  | 36800726 | 320092-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 918 | XX | XX | XX |  | 36800728 | 320093-500-4087 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 918 | XX | XX | XX |  | 36800729 | 320093-500-6577 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 918 | XX | XX | XX |  | 36800730 | 320093-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 918 | XX | XX | XX |  | 36800731 | 320093-500-4088 | 04/16/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 919 | XX | XX | XX |  | 36800732 | 320096-500-5445 | 04/16/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 919 | XX | XX | XX |  | 36800733 | 320096-500-611 | 04/16/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 920 | XX | XX | XX |  | 36800735 | 320103-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 922 | XX | XX | XX |  | 36800738 | 320107-500-7027 | 04/16/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 1012 | XX | XX | XX |  | 36800740 | 320764-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1012 | XX | XX | XX |  | 36800741 | 320764-513-4087 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1012 | XX | XX | XX |  | 36800742 | 320764-513-4088 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1012 | XX | XX | XX |  | 36800744 | 320764-513-1891 | 05/12/2018 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1012 | XX | XX | XX |  | 36800745 | 320764-513-22050 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1012 | XX | XX | XX |  | 36800746 | 320764-513-611 | 05/12/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1012 | XX | XX | XX |  | 36800747 | 320764-513-613 | 05/12/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1013 | XX | XX | XX |  | 36800748 | 320767-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 1013 | XX | XX | XX |  | 36800749 | 320767-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 1013 | XX | XX | XX |  | 36800750 | 320767-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 1013 | XX | XX | XX |  | 36800751 | 320767-513-22866 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 1013 | XX | XX | XX |  | 36800752 | 320767-513-23038 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 1013 | XX | XX | XX |  | 36800753 | 320767-513-1891 | 05/12/2018 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 1013 | XX | XX | XX |  | 36800754 | 320767-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 1013 | XX | XX | XX |  | 36800755 | 320767-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 1013 | XX | XX | XX |  | 36800757 | 320767-513-5712 | 05/12/2018 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Borrower's Interest Tangible Net Benefit Test | Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information. |  |  |  |  |  |  |  |  | 3 C | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 1014 | XX | XX | XX |  | 36800759 | 320778-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - UTD | B |  |  | No |
| 1014 | XX | XX | XX |  | 36800763 | 320778-513-22866 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - UTD | B |  |  | No |
| 1014 | XX | XX | XX |  | 36800764 | 320778-513-1891 | 05/12/2018 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - UTD | B |  |  | No |
| 1014 | XX | XX | XX |  | 36800765 | 320778-513-22050 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 1014 | XX | XX | XX |  | 36800766 | 320778-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - UTD | B |  |  | No |
| 1014 | XX | XX | XX |  | 36800767 | 320778-513-7027 | 05/31/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - UTD | B |  |  | No |
| 1015 | XX | XX | XX |  | 36800768 | 320849-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1015 | XX | XX | XX |  | 36800769 | 320849-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1015 | XX | XX | XX |  | 36800770 | 320849-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 1015 | XX | XX | XX |  | 36800771 | 320849-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1015 | XX | XX | XX |  | 36800772 | 320849-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | B |  |  | No |
| 1016 | XX | XX | XX |  | 36800775 | 320859-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1016 | XX | XX | XX |  | 36800776 | 320859-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1016 | XX | XX | XX |  | 36800777 | 320859-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1016 | XX | XX | XX |  | 36800778 | 320859-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1016 | XX | XX | XX |  | 36800779 | 320859-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $216,825.50 is underdisclosed from calculated Finance Charge of $216,936.63 in the amount of $111.13. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1016 | XX | XX | XX |  | 36800780 | 320859-513-23038 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1017 | XX | XX | XX |  | 36800782 | 320862-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1017 | XX | XX | XX |  | 36800783 | 320862-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1017 | XX | XX | XX |  | 36800784 | 320862-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1018 | XX | XX | XX |  | 36800785 | 320881-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1018 | XX | XX | XX |  | 36800786 | 320881-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1018 | XX | XX | XX |  | 36800787 | 320881-513-4088 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1019 | XX | XX | XX |  | 36800789 | 320909-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | B |  |  | No |
| 1019 | XX | XX | XX |  | 36800790 | 320909-513-6305 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 1019 | XX | XX | XX |  | 36800791 | 320909-513-6306 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 1020 | XX | XX | XX |  | 36800792 | 320928-513-5780 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1020 | XX | XX | XX |  | 36800793 | 320928-513-5791 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1020 | XX | XX | XX |  | 36800794 | 320928-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1020 | XX | XX | XX |  | 36800795 | 320928-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1021 | XX | XX | XX |  | 36800796 | 320929-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1021 | XX | XX | XX |  | 36800797 | 320929-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1021 | XX | XX | XX |  | 36800798 | 320929-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1022 | XX | XX | XX |  | 36800799 | 320935-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $603,415.75 is underdisclosed from calculated Finance Charge of $603,463.08 in the amount of $47.33. | TIL itemization did not disclose a recording service fee of $67.50 as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1023 | XX | XX | XX |  | 36800800 | 320954-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1025 | XX | XX | XX |  | 36800802 | 320964-513-2666 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2002, prior to three (3) business days from transaction date of 02/XX/2002. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1025 | XX | XX | XX |  | 36800803 | 320964-513-2647 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1025 | XX | XX | XX |  | 36800804 | 320964-513-3953 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1025 | XX | XX | XX |  | 36800805 | 320964-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1025 | XX | XX | XX |  | 36800806 | 320964-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1026 | XX | XX | XX |  | 36800808 | 320967-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  | Missing GFEs |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1026 | XX | XX | XX |  | 36800812 | 320967-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1026 | XX | XX | XX |  | 36800813 | 320967-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1026 | XX | XX | XX |  | 36800815 | 320967-513-5780 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1026 | XX | XX | XX |  | 36800816 | 320967-513-7027 | 05/31/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1027 | XX | XX | XX |  | 36800817 | 320969-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1027 | XX | XX | XX |  | 36800818 | 320969-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 1028 | XX | XX | XX |  | 36800820 | 320976-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1028 | XX | XX | XX |  | 36800821 | 320976-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $67,528.06 is underdisclosed from calculated Finance Charge of $67,953.17 in the amount of $425.11. | Unable to determine the under-disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1028 | XX | XX | XX |  | 36800822 | 320976-513-5780 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1029 | XX | XX | XX |  | 36800824 | 320988-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1029 | XX | XX | XX |  | 36800825 | 320988-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $103,936.18 is underdisclosed from calculated Finance Charge of $104,347.01 in the amount of $410.83. | Unable to determine under disclosure $410.83 due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1029 | XX | XX | XX |  | 36800826 | 320988-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1030 | XX | XX | XX |  | 36800827 | 320999-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Construction-Permanent | B |  |  | No |
| 1031 | XX | XX | XX |  | 36800829 | 321001-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1031 | XX | XX | XX |  | 36800830 | 321001-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1031 | XX | XX | XX |  | 36800831 | 321001-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | No Defined Cure B |  |  | No |
| 1032 | XX | XX | XX |  | 36800834 | 321004-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | D |  |  | No |
| 1032 | XX | XX | XX |  | 36800835 | 321004-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | PA | Primary | Purchase | D |  |  | No |
| 1032 | XX | XX | XX |  | 36800836 | 321004-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | D |  |  | No |
| 1033 | XX | XX | XX |  | 36800837 | 321008-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1033 | XX | XX | XX |  | 36800838 | 321008-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1033 | XX | XX | XX |  | 36800839 | 321008-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Purchase | B |  |  | No |
| 1034 | XX | XX | XX |  | 36800842 | 321010-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1034 | XX | XX | XX |  | 36800843 | 321010-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1034 | XX | XX | XX |  | 36800845 | 321010-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1034 | XX | XX | XX |  | 36800846 | 321010-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1035 | XX | XX | XX |  | 36800847 | 321012-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Rate/Term | B |  |  | No |
| 1035 | XX | XX | XX |  | 36800848 | 321012-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $192,727.02 is underdisclosed from calculated Finance Charge of $193,436.45 in the amount of $709.43. | The source of under disclosure cannot be determined due to the missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1036 | XX | XX | XX |  | 36800851 | 321019-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1036 | XX | XX | XX |  | 36800853 | 321019-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1036 | XX | XX | XX |  | 36800854 | 321019-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | DC | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1036 | XX | XX | XX |  | 36800855 | 321019-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1036 | XX | XX | XX |  | 36800856 | 321019-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 1037 | XX | XX | XX |  | 36800859 | 321020-513-6580 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Purchase | B |  |  | No |
| 1038 | XX | XX | XX |  | 36800860 | 321021-513-5791 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1038 | XX | XX | XX |  | 36800861 | 321021-513-5440 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Refinance - Cash-out - Other | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | No |
| 1038 | XX | XX | XX |  | 36800862 | 321021-513-2684 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1038 | XX | XX | XX |  | 36800863 | 321021-513-3353 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1038 | XX | XX | XX |  | 36800864 | 321021-513-18362 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | The Servicing Disclosure is dated 7/XX/2011, the application date is 5/XX/2011. |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1040 | XX | XX | XX |  | 36800867 | 321032-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $101,771.72 is underdisclosed from calculated Finance Charge of $102,174.18 in the amount of $402.46. | TIL itemization did not disclose a flood certification fee of $25, settlement/closing costs of $295 or a courier fee of $30 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1041 | XX | XX | XX |  | 36800871 | 321034-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1041 | XX | XX | XX |  | 36800872 | 321034-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 1042 | XX | XX | XX |  | 36800873 | 321040-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Construction-Permanent | D |  |  | No |
| 1042 | XX | XX | XX |  | 36800875 | 321040-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Construction-Permanent | D |  |  | No |
| 1042 | XX | XX | XX |  | 36800876 | 321040-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | SC | Primary | Construction-Permanent | D |  |  | No |
| 1042 | XX | XX | XX |  | 36800877 | 321040-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Construction-Permanent | No Defined Cure |  |  | No |
| 1042 | XX | XX | XX |  | 36800878 | 321040-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Construction-Permanent | No Defined Cure |  |  | No |
| 1042 | XX | XX | XX |  | 36800879 | 321040-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Construction-Permanent | D |  |  | No |
| 1042 | XX | XX | XX |  | 36800880 | 321040-513-4088 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Construction-Permanent | D |  |  | No |
| 1043 | XX | XX | XX |  | 36800882 | 321050-513-5445 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1043 | XX | XX | XX |  | 36800883 | 321050-513-4087 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1043 | XX | XX | XX |  | 36800884 | 321050-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1043 | XX | XX | XX |  | 36800885 | 321050-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1043 | XX | XX | XX |  | 36800887 | 321050-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1043 | XX | XX | XX |  | 36800888 | 321050-513-4088 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1044 | XX | XX | XX |  | 36800891 | 321057-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2009. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1044 | XX | XX | XX |  | 36800892 | 321057-513-4088 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 1045 | XX | XX | XX |  | 36800893 | 321089-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 1045 | XX | XX | XX |  | 36800895 | 321089-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 1045 | XX | XX | XX |  | 36800896 | 321089-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | Primary | Purchase | D |  |  | No |
| 1045 | XX | XX | XX |  | 36800897 | 321089-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure |  |  | No |
| 1045 | XX | XX | XX |  | 36800898 | 321089-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure |  |  | No |
| 1045 | XX | XX | XX |  | 36800899 | 321089-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 1046 | XX | XX | XX |  | 36800902 | 321105-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 1046 | XX | XX | XX |  | 36800904 | 321105-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 1046 | XX | XX | XX |  | 36800905 | 321105-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/1996 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 1046 | XX | XX | XX |  | 36800906 | 321105-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | Primary | Purchase | D |  |  | No |
| 1046 | XX | XX | XX |  | 36800907 | 321105-513-7028 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/1995. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 1046 | XX | XX | XX |  | 36800908 | 321105-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure |  |  | No |
| 1046 | XX | XX | XX |  | 36800909 | 321105-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | No Defined Cure |  |  | No |
| 1046 | XX | XX | XX |  | 36800910 | 321105-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 1047 | XX | XX | XX |  | 36800912 | 321124-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | UTD - UTD | D |  |  | No |
| 1047 | XX | XX | XX |  | 36800913 | 321124-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | UTD - UTD | D |  |  | No |
| 1047 | XX | XX | XX |  | 36800914 | 321124-513-18330 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | UTD - UTD | D |  |  | No |
| 1047 | XX | XX | XX |  | 36800916 | 321124-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | UTD - UTD | D |  |  | No |
| 1047 | XX | XX | XX |  | 36800917 | 321124-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | Primary | UTD - UTD | D |  |  | No |
| 1047 | XX | XX | XX |  | 36800918 | 321124-513-7028 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | UTD - UTD | D |  |  | No |
| 1047 | XX | XX | XX |  | 36800919 | 321124-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | UTD - UTD | No Defined Cure |  |  | No |
| 1047 | XX | XX | XX |  | 36800920 | 321124-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | UTD - UTD | No Defined Cure |  |  | No |
| 1047 | XX | XX | XX |  | 36800921 | 321124-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1047 | XX | XX | XX |  | 36800922 | 321124-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | UTD - UTD | D |  |  | No |
| 1048 | XX | XX | XX |  | 36800923 | 321128-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 1048 | XX | XX | XX |  | 36800925 | 321128-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1999 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 1048 | XX | XX | XX |  | 36800926 | 321128-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | AL | Primary | Purchase | D |  |  | No |
| 1048 | XX | XX | XX |  | 36800927 | 321128-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 1048 | XX | XX | XX |  | 36800928 | 321128-513-7028 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 1048 | XX | XX | XX |  | 36800929 | 321128-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Purchase | D |  |  | No |
| 1049 | XX | XX | XX |  | 36800931 | 321130-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | D |  |  | No |
| 1049 | XX | XX | XX |  | 36800932 | 321130-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TN | Primary | Refinance - Rate/Term | D |  |  | No |
| 1049 | XX | XX | XX |  | 36800933 | 321130-513-7028 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | D |  |  | No |
| 1049 | XX | XX | XX |  | 36800934 | 321130-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1049 | XX | XX | XX |  | 36800935 | 321130-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | D |  |  | No |
| 1049 | XX | XX | XX |  | 36800936 | 321130-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Rate/Term | D |  |  | No |
| 1050 | XX | XX | XX |  | 36800938 | 321135-513-5791 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1050 | XX | XX | XX |  | 36800939 | 321135-513-6301 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1050 | XX | XX | XX |  | 36800940 | 321135-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 1050 | XX | XX | XX |  | 36800941 | 321135-513-22137 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1051 | XX | XX | XX |  | 36800943 | 321143-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1051 | XX | XX | XX |  | 36800945 | 321143-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1051 | XX | XX | XX |  | 36800946 | 321143-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1051 | XX | XX | XX |  | 36800947 | 321143-513-4967 | 05/12/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1051 | XX | XX | XX |  | 36800948 | 321143-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1052 | XX | XX | XX |  | 36800949 | 321147-513-7039 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Streamlined | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1053 | XX | XX | XX |  | 36800950 | 321200-513-6305 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 1053 | XX | XX | XX |  | 36800951 | 321200-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 1053 | XX | XX | XX |  | 36800952 | 321200-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $177,881.80 is underdisclosed from calculated Finance Charge of $182,425.25 in the amount of $4,543.45. | The TIL payment streams do not reflect the terms of the note. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1054 | XX | XX | XX |  | 36800954 | 321205-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2010 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2010. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Streamlined | B |  |  | No |
| 1054 | XX | XX | XX |  | 36800955 | 321205-513-2687 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Streamlined | B |  |  | No |
| 1054 | XX | XX | XX |  | 36800956 | 321205-513-7087 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Streamlined | B |  |  | No |
| 1054 | XX | XX | XX |  | 36800957 | 321205-513-3078 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Streamlined | B |  |  | No |
| 1054 | XX | XX | XX |  | 36800958 | 321205-513-18362 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | RESPA Servicing Disclosure dated 4/XX/2010. |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Streamlined | B |  |  | No |
| 1054 | XX | XX | XX |  | 36800959 | 321205-513-2684 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Streamlined | B |  |  | No |
| 1055 | XX | XX | XX |  | 36800961 | 321219-513-5791 | 05/12/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1055 | XX | XX | XX |  | 36800962 | 321219-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1055 | XX | XX | XX |  | 36800963 | 321219-513-4088 | 05/12/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1055 | XX | XX | XX |  | 36800964 | 321219-513-23495 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 1056 | XX | XX | XX |  | 36800967 | 321230-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Cash-out - Home Improvement | D |  |  | No |
| 1056 | XX | XX | XX |  | 36800969 | 321230-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Cash-out - Home Improvement | D |  |  | No |
| 1056 | XX | XX | XX |  | 36800970 | 321230-513-6578 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Investment | Refinance - Cash-out - Home Improvement | D |  |  | No |
| 1057 | XX | XX | XX |  | 36800972 | 321231-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Cash-out - Other | D |  |  | No |
| 1057 | XX | XX | XX |  | 36800973 | 321231-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Investment | Refinance - Cash-out - Other | D |  |  | No |
| 1057 | XX | XX | XX |  | 36800974 | 321231-513-7028 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Cash-out - Other | D |  |  | No |
| 1058 | XX | XX | XX |  | 36800975 | 321245-513-20780 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1058 | XX | XX | XX |  | 36800976 | 321245-513-3494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1058 | XX | XX | XX |  | 36800977 | 321245-513-3934 | 05/12/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1058 | XX | XX | XX |  | 36800978 | 321245-513-6579 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1058 | XX | XX | XX |  | 36800979 | 321245-513-6302 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 1058 | XX | XX | XX |  | 36800980 | 321245-513-7037 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 1058 | XX | XX | XX |  | 36800981 | 321245-513-7028 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 1058 | XX | XX | XX |  | 36800982 | 321245-513-6305 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | HI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 1059 | XX | XX | XX |  | 36800983 | 321251-513-7027 | 05/12/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1059 | XX | XX | XX |  | 36800984 | 321251-513-7042 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 1059 | XX | XX | XX |  | 36800986 | 321251-513-23495 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1059 | XX | XX | XX |  | 36800987 | 321251-513-23494 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 1059 | XX | XX | XX |  | 36800988 | 321251-513-6419 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.02500% is underdisclosed from calculated APR of 7.40046% outside of 0.125% tolerance. | Closing instructions indicate the Index used was 4.110%. The lowest Index available within the look-back period is 4.49%. |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 1059 | XX | XX | XX |  | 36800989 | 321251-513-2659 | 05/12/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,228,935.50 is underdisclosed from calculated Finance Charge of $1,328,834.36 in the amount of $99,898.86. | Closing instructions indicate the Index used was4.110%. The lowest Index available within the look-back period is 4.49%. |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 585 | XX | XX | XX |  | 36801025 | 318555-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 585 | XX | XX | XX |  | 36801027 | 318555-494-1891 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 586 | XX | XX | XX |  | 36801029 | 318558-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 586 | XX | XX | XX |  | 36801030 | 318558-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 586 | XX | XX | XX |  | 36801031 | 318558-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 586 | XX | XX | XX |  | 36801032 | 318558-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 586 | XX | XX | XX |  | 36801033 | 318558-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 587 | XX | XX | XX |  | 36801036 | 318575-494-5791 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 587 | XX | XX | XX |  | 36801037 | 318575-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 587 | XX | XX | XX |  | 36801038 | 318575-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 588 | XX | XX | XX |  | 36801039 | 318582-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 588 | XX | XX | XX |  | 36801040 | 318582-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 589 | XX | XX | XX |  | 36801041 | 318583-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $997,819.64 is underdisclosed from calculated Finance Charge of $999,826.17 in the amount of $2,006.53. | TIL itemization included a loan discount fee credit of $2,388.50 partially offset by an itemized application fee of $395 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 590 | XX | XX | XX |  | 36801043 | 318584-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 590 | XX | XX | XX |  | 36801044 | 318584-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 590 | XX | XX | XX |  | 36801046 | 318584-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 590 | XX | XX | XX |  | 36801047 | 318584-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 591 | XX | XX | XX |  | 36801050 | 318592-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 591 | XX | XX | XX |  | 36801051 | 318592-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 591 | XX | XX | XX |  | 36801057 | 318592-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 591 | XX | XX | XX |  | 36801059 | 318592-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 591 | XX | XX | XX |  | 36801060 | 318592-494-7027 | 12/07/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 592 | XX | XX | XX |  | 36801061 | 318603-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 592 | XX | XX | XX |  | 36801063 | 318603-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $384,920.53 is underdisclosed from calculated Finance Charge of $385,215.43 in the amount of $294.90. | TIL itemization did not disclose a loan discount fee of $250 and a tax lien certificates fee of $45 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 592 | XX | XX | XX |  | 36801064 | 318603-494-22051 | 11/15/2017 | Compliance | Compliance | State Compliance | State Late Charge | Pennsylvania First Lien Late Charge Grace Period Testing | Note grace period less than minimum per state. | Grace period of 10 days does not meet the 15 days allowed for the state of Pennsylvania. |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 594 | XX | XX | XX |  | 36801065 | 318614-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | DC | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 595 | XX | XX | XX |  | 36801067 | 318618-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 595 | XX | XX | XX |  | 36801068 | 318618-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 595 | XX | XX | XX |  | 36801069 | 318618-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 595 | XX | XX | XX |  | 36801070 | 318618-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 596 | XX | XX | XX |  | 36801072 | 318619-494-3180 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - First Change Date on GFE Inaccurate | RESPA (2010): First Change Date on GFE does not match First Change Date on Note. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 596 | XX | XX | XX |  | 36801073 | 318619-494-2694 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 596 | XX | XX | XX |  | 36801074 | 318619-494-2696 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 596 | XX | XX | XX |  | 36801075 | 318619-494-2684 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 596 | XX | XX | XX |  | 36801076 | 318619-494-18362 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 596 | XX | XX | XX |  | 36801077 | 318619-494-3110 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Taxes and Insurance Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the maximum escrow payment on the loan during the first five (5) years of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 596 | XX | XX | XX |  | 36801078 | 318619-494-3114 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5) years for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 596 | XX | XX | XX |  | 36801079 | 318619-494-3115 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA ARM Introductory Rate Disclosure - Introductory Period Inaccurate | Truth in Lending Act (MDIA 2011): Adjustable rate introductory period on Final TIL does not match introductory period for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 596 | XX | XX | XX |  | 36801080 | 318619-494-3116 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Escrow Amount Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum Ever" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the maximum escrow payment that may apply during the life of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 596 | XX | XX | XX |  | 36801081 | 318619-494-3120 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum Ever" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the life of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 596 | XX | XX | XX |  | 36801082 | 318619-494-3071 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 596 | XX | XX | XX |  | 36801083 | 318619-494-3074 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 597 | XX | XX | XX |  | 36801085 | 318623-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 597 | XX | XX | XX |  | 36801086 | 318623-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 597 | XX | XX | XX |  | 36801090 | 318623-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 597 | XX | XX | XX |  | 36801091 | 318623-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 597 | XX | XX | XX |  | 36801095 | 318623-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 597 | XX | XX | XX |  | 36801096 | 318623-494-7027 | 12/07/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 598 | XX | XX | XX |  | 36801097 | 318626-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 598 | XX | XX | XX |  | 36801098 | 318626-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 598 | XX | XX | XX |  | 36801099 | 318626-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 598 | XX | XX | XX |  | 36801100 | 318626-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $361,534.35 is underdisclosed from calculated Finance Charge of $361,724.45 in the amount of $190.10. | Unable to determine the fee under disclosure due to missing the itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 599 | XX | XX | XX |  | 36801102 | 318629-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 600 | XX | XX | XX |  | 36801103 | 318635-494-20780 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 600 | XX | XX | XX |  | 36801104 | 318635-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 600 | XX | XX | XX |  | 36801105 | 318635-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $84,374.00 is underdisclosed from calculated Finance Charge of $84,749.74 in the amount of $375.74. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 600 | XX | XX | XX |  | 36801106 | 318635-494-2666 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 601 | XX | XX | XX |  | 36801108 | 318641-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 601 | XX | XX | XX |  | 36801113 | 318641-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 601 | XX | XX | XX |  | 36801115 | 318641-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 601 | XX | XX | XX |  | 36801117 | 318641-494-7027 | 12/07/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 601 | XX | XX | XX |  | 36801118 | 318641-494-2489 | 12/07/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 602 | XX | XX | XX |  | 36801120 | 318647-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 602 | XX | XX | XX |  | 36801121 | 318647-494-4087 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 602 | XX | XX | XX |  | 36801122 | 318647-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 602 | XX | XX | XX |  | 36801123 | 318647-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 602 | XX | XX | XX |  | 36801124 | 318647-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 603 | XX | XX | XX |  | 36801126 | 318649-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 603 | XX | XX | XX |  | 36801127 | 318649-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 603 | XX | XX | XX |  | 36801128 | 318649-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 604 | XX | XX | XX |  | 36801130 | 318653-494-6579 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | VA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 604 | XX | XX | XX |  | 36801131 | 318653-494-7028 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 604 | XX | XX | XX |  | 36801132 | 318653-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission |  |  | No |
| 604 | XX | XX | XX |  | 36801133 | 318653-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 604 | XX | XX | XX |  | 36801134 | 318653-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 604 | XX | XX | XX |  | 36801135 | 318653-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 606 | XX | XX | XX |  | 36801136 | 318659-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 606 | XX | XX | XX |  | 36801137 | 318659-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 607 | XX | XX | XX |  | 36801139 | 318664-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 607 | XX | XX | XX |  | 36801140 | 318664-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 607 | XX | XX | XX |  | 36801141 | 318664-494-5705 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 3 C | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 607 | XX | XX | XX |  | 36801142 | 318664-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission C |  |  | No |
| 607 | XX | XX | XX |  | 36801144 | 318664-494-2658 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 12.40000% is underdisclosed from calculated APR of 12.53407% outside of 0.125% tolerance. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | No |
| 608 | XX | XX | XX |  | 36801146 | 318666-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 609 | XX | XX | XX |  | 36801148 | 318667-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 609 | XX | XX | XX |  | 36801149 | 318667-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 609 | XX | XX | XX |  | 36801151 | 318667-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 610 | XX | XX | XX |  | 36801152 | 318668-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 611 | XX | XX | XX |  | 36801156 | 318675-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 611 | XX | XX | XX |  | 36801157 | 318675-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 611 | XX | XX | XX |  | 36801158 | 318675-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 612 | XX | XX | XX |  | 36801159 | 318683-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 612 | XX | XX | XX |  | 36801160 | 318683-494-4087 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 612 | XX | XX | XX |  | 36801161 | 318683-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 612 | XX | XX | XX |  | 36801164 | 318683-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 612 | XX | XX | XX |  | 36801165 | 318683-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 613 | XX | XX | XX |  | 36801166 | 318684-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 614 | XX | XX | XX |  | 36801168 | 318686-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 614 | XX | XX | XX |  | 36801169 | 318686-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 614 | XX | XX | XX |  | 36801171 | 318686-494-5693 | 11/15/2017 | Compliance | Compliance | State Compliance | State HPML | North Carolina Rate Spread Threshold Test | North Carolina Rate Spread Home Loan: APR on subject loan of 11.69940% or Final Disclosure APR of 11.70000% is in excess of allowable threshold of US Treasury 4.7900% + 3%, or 7.79000% and Conventional Mortgage Rate 6.3700% + 1.75%, or 8.12000%. Non-Compliant Rate Spread Home Loan. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. <br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |  |  | No |
| 614 | XX | XX | XX |  | 36801172 | 318686-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $510,602.46 is underdisclosed from calculated Finance Charge of $510,656.55 in the amount of $54.09. | Disclosed payment on Note of $1959.71 does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 614 | XX | XX | XX |  | 36801173 | 318686-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 615 | XX | XX | XX |  | 36801176 | 318689-494-5693 | 11/15/2017 | Compliance | Compliance | State Compliance | State HPML | North Carolina Rate Spread Threshold Test | North Carolina Rate Spread Home Loan: APR on subject loan of 12.13340% or Final Disclosure APR of 12.13000% is in excess of allowable threshold of US Treasury 4.2800% + 3%, or 7.28000% and Conventional Mortgage Rate 5.6700% + 1.75%, or 7.42000%. Non-Compliant Rate Spread Home Loan. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. <br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |  |  | No |
| 615 | XX | XX | XX |  | 36801177 | 318689-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 615 | XX | XX | XX |  | 36801178 | 318689-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 616 | XX | XX | XX |  | 36801179 | 318693-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 616 | XX | XX | XX |  | 36801180 | 318693-494-2778 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 616 | XX | XX | XX |  | 36801181 | 318693-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 617 | XX | XX | XX |  | 36801184 | 318694-494-2778 | 11/15/2017 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 618 | XX | XX | XX |  | 36801186 | 318703-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 618 | XX | XX | XX |  | 36801187 | 318703-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 618 | XX | XX | XX |  | 36801188 | 318703-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 619 | XX | XX | XX |  | 36801191 | 318706-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 620 | XX | XX | XX |  | 36801192 | 318708-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 620 | XX | XX | XX |  | 36801193 | 318708-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 620 | XX | XX | XX |  | 36801194 | 318708-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 620 | XX | XX | XX |  | 36801195 | 318708-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $151,959.03 is underdisclosed from calculated Finance Charge of $152,123.36 in the amount of $164.33. | The itemization does not disclosed $360.20 Attorney's Fees or $6.50 GA Residential Mortgage Fee in the prepaid finance charges. In addition, the prepaid interest has been over disclosed by $207.58. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 621 | XX | XX | XX |  | 36801197 | 318711-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 622 | XX | XX | XX |  | 36801198 | 318716-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 622 | XX | XX | XX |  | 36801199 | 318716-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 622 | XX | XX | XX |  | 36801200 | 318716-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 622 | XX | XX | XX |  | 36801201 | 318716-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 622 | XX | XX | XX |  | 36801202 | 318716-494-4087 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 623 | XX | XX | XX |  | 36801203 | 318720-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 623 | XX | XX | XX |  | 36801204 | 318720-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 623 | XX | XX | XX |  | 36801206 | 318720-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 624 | XX | XX | XX |  | 36801207 | 318722-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 624 | XX | XX | XX |  | 36801208 | 318722-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 624 | XX | XX | XX |  | 36801209 | 318722-494-20780 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 624 | XX | XX | XX |  | 36801210 | 318722-494-6579 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | GA | Primary | Purchase | D |  |  | No |
| 624 | XX | XX | XX |  | 36801211 | 318722-494-7028 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 624 | XX | XX | XX |  | 36801212 | 318722-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | D |  |  | No |
| 625 | XX | XX | XX |  | 36801214 | 318724-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 625 | XX | XX | XX |  | 36801215 | 318724-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 625 | XX | XX | XX |  | 36801216 | 318724-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 625 | XX | XX | XX |  | 36801217 | 318724-494-3928 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 626 | XX | XX | XX |  | 36801218 | 318726-494-22137 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 626 | XX | XX | XX |  | 36801219 | 318726-494-2666 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 626 | XX | XX | XX |  | 36801220 | 318726-494-2647 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 627 | XX | XX | XX |  | 36801221 | 318727-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 628 | XX | XX | XX |  | 36801224 | 318730-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 628 | XX | XX | XX |  | 36801225 | 318730-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $209,858.55 is underdisclosed from calculated Finance Charge of $211,311.23 in the amount of $1,452.68. | TIL itemization did not disclose MIP fee of $2302.50 as prepaid finance charge |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 629 | XX | XX | XX |  | 36801226 | 318732-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 629 | XX | XX | XX |  | 36801227 | 318732-494-3953 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 629 | XX | XX | XX |  | 36801228 | 318732-494-613 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 629 | XX | XX | XX |  | 36801229 | 318732-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 630 | XX | XX | XX |  | 36801231 | 318735-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 631 | XX | XX | XX |  | 36801232 | 318741-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 631 | XX | XX | XX |  | 36801233 | 318741-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 631 | XX | XX | XX |  | 36801234 | 318741-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $159,558.49 is underdisclosed from calculated Finance Charge of $160,226.34 in the amount of $667.85. | Under disclosure due to final TIL reflecting a fixed rate payment stream rather than an arm payment stream as indicated on the note. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 632 | XX | XX | XX |  | 36801236 | 318744-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 632 | XX | XX | XX |  | 36801237 | 318744-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 635 | XX | XX | XX |  | 36801238 | 318754-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 635 | XX | XX | XX |  | 36801240 | 318754-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 635 | XX | XX | XX |  | 36801241 | 318754-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | B |  |  | No |
| 637 | XX | XX | XX |  | 36801242 | 318762-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $190,375.47 is underdisclosed from calculated Finance Charge of $190,415.45 in the amount of $39.98. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 637 | XX | XX | XX |  | 36801244 | 318762-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 637 | XX | XX | XX |  | 36801245 | 318762-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 637 | XX | XX | XX |  | 36801246 | 318762-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 637 | XX | XX | XX |  | 36801247 | 318762-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 638 | XX | XX | XX |  | 36801249 | 318769-494-1153 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. |  |  |  |  |  |  |  |  | 2 B | XX | AL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 640 | XX | XX | XX |  | 36801251 | 318775-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 641 | XX | XX | XX |  | 36801252 | 318776-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | No Defined Cure B |  |  | No |
| 641 | XX | XX | XX |  | 36801253 | 318776-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | No Defined Cure B |  |  | No |
| 642 | XX | XX | XX |  | 36801255 | 318777-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 642 | XX | XX | XX |  | 36801256 | 318777-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 642 | XX | XX | XX |  | 36801257 | 318777-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $115,437.35 is underdisclosed from calculated Finance Charge of $115,524.97 in the amount of $87.62. | Disclosed payment on Note of $443.77 does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 643 | XX | XX | XX |  | 36801259 | 318781-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 643 | XX | XX | XX |  | 36801260 | 318781-494-20171 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 643 | XX | XX | XX |  | 36801261 | 318781-494-22107 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement. | Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 643 | XX | XX | XX |  | 36801262 | 318781-494-20172 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 644 | XX | XX | XX |  | 36801263 | 318782-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | No Defined Cure B |  |  | No |
| 644 | XX | XX | XX |  | 36801264 | 318782-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Purchase | No Defined Cure B |  |  | No |
| 645 | XX | XX | XX |  | 36801265 | 318786-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 645 | XX | XX | XX |  | 36801266 | 318786-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2002. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 645 | XX | XX | XX |  | 36801267 | 318786-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | OH | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 646 | XX | XX | XX |  | 36801269 | 318796-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/1999. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 647 | XX | XX | XX |  | 36801270 | 318803-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 647 | XX | XX | XX |  | 36801271 | 318803-494-1973 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 647 | XX | XX | XX |  | 36801272 | 318803-494-1976 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 647 | XX | XX | XX |  | 36801273 | 318803-494-6589 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 647 | XX | XX | XX |  | 36801274 | 318803-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 647 | XX | XX | XX |  | 36801275 | 318803-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 647 | XX | XX | XX |  | 36801276 | 318803-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 648 | XX | XX | XX |  | 36801281 | 318807-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 648 | XX | XX | XX |  | 36801282 | 318807-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 648 | XX | XX | XX |  | 36801283 | 318807-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 648 | XX | XX | XX |  | 36801284 | 318807-494-6580 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 648 | XX | XX | XX |  | 36801285 | 318807-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 648 | XX | XX | XX |  | 36801286 | 318807-494-3353 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 648 | XX | XX | XX |  | 36801287 | 318807-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 649 | XX | XX | XX |  | 36801290 | 318808-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 649 | XX | XX | XX |  | 36801291 | 318808-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | No Defined Cure B |  |  | No |
| 649 | XX | XX | XX |  | 36801292 | 318808-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | No Defined Cure B |  |  | No |
| 650 | XX | XX | XX |  | 36801295 | 318830-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 651 | XX | XX | XX |  | 36801297 | 318831-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 651 | XX | XX | XX |  | 36801298 | 318831-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 651 | XX | XX | XX |  | 36801300 | 318831-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 651 | XX | XX | XX |  | 36801301 | 318831-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $290,247.03 is underdisclosed from calculated Finance Charge of $290,301.95 in the amount of $54.92. | Unable to determine due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 652 | XX | XX | XX |  | 36801302 | 318832-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 652 | XX | XX | XX |  | 36801303 | 318832-494-4087 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 652 | XX | XX | XX |  | 36801304 | 318832-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 652 | XX | XX | XX |  | 36801305 | 318832-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | No Defined Cure B |  |  | No |
| 652 | XX | XX | XX |  | 36801306 | 318832-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | No Defined Cure B |  |  | No |
| 652 | XX | XX | XX |  | 36801308 | 318832-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $351,715.14 is underdisclosed from calculated Finance Charge of $352,160.31 in the amount of $445.17. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 690 | XX | XX | XX |  | 36801309 | 319051-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 690 | XX | XX | XX |  | 36801310 | 319051-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 690 | XX | XX | XX |  | 36801311 | 319051-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 690 | XX | XX | XX |  | 36801312 | 319051-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 690 | XX | XX | XX |  | 36801313 | 319051-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 690 | XX | XX | XX |  | 36801314 | 319051-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $2,966,854.61 is underdisclosed from calculated Finance Charge of $2,968,677.56 in the amount of $1,822.95. | TIL itemization did not disclose courier fees of $23.04 & $15, wire fees of $25 & $75, a an underwriting fee of $100 as prepaid finance charges. TIL itemization over disclosed a signing fee of $175 and a doc prep fee of $275 as prepaid finance charges. Also, TIL itemization disclosed an escrow service fee of $600 and interim interest in the amount of $5274.31, however the HUD reflects an escrow service fee of $100 and interim interest in the amount of $7811.46. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 653 | XX | XX | XX |  | 36801315 | 318864-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 653 | XX | XX | XX |  | 36801316 | 318864-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 653 | XX | XX | XX |  | 36801317 | 318864-494-3928 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 653 | XX | XX | XX |  | 36801318 | 318864-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 653 | XX | XX | XX |  | 36801320 | 318864-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 654 | XX | XX | XX |  | 36801322 | 318872-494-1153 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 655 | XX | XX | XX |  | 36801324 | 318877-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 655 | XX | XX | XX |  | 36801325 | 318877-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 656 | XX | XX | XX |  | 36801326 | 318890-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 657 | XX | XX | XX |  | 36801327 | 318895-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 657 | XX | XX | XX |  | 36801328 | 318895-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 657 | XX | XX | XX |  | 36801329 | 318895-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 659 | XX | XX | XX |  | 36801330 | 318915-494-4087 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 660 | XX | XX | XX |  | 36801332 | 318916-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $124,018.13 is underdisclosed from calculated Finance Charge of $124,119.08 in the amount of $100.95. | Under disclosure due to $100 Attorney fee not reflected in TIL itemization of prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 661 | XX | XX | XX |  | 36801334 | 318920-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 661 | XX | XX | XX |  | 36801335 | 318920-494-20780 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 661 | XX | XX | XX |  | 36801336 | 318920-494-6579 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | TX | Primary | Purchase | D |  |  | No |
| 661 | XX | XX | XX |  | 36801337 | 318920-494-7028 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 661 | XX | XX | XX |  | 36801338 | 318920-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | D |  |  | No |
| 662 | XX | XX | XX |  | 36801339 | 318926-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 662 | XX | XX | XX |  | 36801340 | 318926-494-613 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 662 | XX | XX | XX |  | 36801341 | 318926-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 663 | XX | XX | XX |  | 36801342 | 318927-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 663 | XX | XX | XX |  | 36801343 | 318927-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 663 | XX | XX | XX |  | 36801344 | 318927-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 664 | XX | XX | XX |  | 36801347 | 318928-494-6231 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  |  | 2 A | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 664 | XX | XX | XX |  | 36801349 | 318928-494-6336 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No |
| 664 | XX | XX | XX |  | 36801354 | 318928-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $31,696.27 is underdisclosed from calculated Finance Charge of $31,870.05 in the amount of $173.78. | TIL itemization did not disclose an Attorney closing fee of $200 or a flood cert fee of $5.50 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 664 | XX | XX | XX |  | 36801355 | 318928-494-3928 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 665 | XX | XX | XX |  | 36801359 | 318931-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 666 | XX | XX | XX |  | 36801360 | 318932-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 667 | XX | XX | XX |  | 36801362 | 318948-494-6336 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No |
| 667 | XX | XX | XX |  | 36801366 | 318948-494-2449 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Texas Home Loan Counseling Agencies List Not Provided | Texas Home Loan: Borrower did not receive list of available housing counseling agencies approved by HUD. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 667 | XX | XX | XX |  | 36801367 | 318948-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $83,501.49 is underdisclosed from calculated Finance Charge of $86,571.87 in the amount of $3,070.38. | Disclosed payment on Note of $519.00 does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 667 | XX | XX | XX |  | 36801369 | 318948-494-2452 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Texas Home Loan Counseling Disclosure Not Provided Timely | Texas Home Loan: Borrower did not receive a statement regarding the value of mortgage counseling within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 667 | XX | XX | XX |  | 36801370 | 318948-494-2458 | 11/15/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Texas Home Loan (Mortgage Information Resource List not Provided Timely) | Texas Home Loan: Borrower did not receive list of other resources where mortgage information can be found within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 668 | XX | XX | XX |  | 36801372 | 318951-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/1998. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 668 | XX | XX | XX |  | 36801373 | 318951-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 668 | XX | XX | XX |  | 36801374 | 318951-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 669 | XX | XX | XX |  | 36801376 | 318958-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 669 | XX | XX | XX |  | 36801377 | 318958-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 669 | XX | XX | XX |  | 36801378 | 318958-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 670 | XX | XX | XX |  | 36801379 | 318991-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | WY | Primary | Purchase | B |  |  | No |
| 670 | XX | XX | XX |  | 36801381 | 318991-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | WY | Primary | Purchase | B |  |  | No |
| 671 | XX | XX | XX |  | 36801383 | 318996-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $215,460.60 is underdisclosed from calculated Finance Charge of $215,690.28 in the amount of $229.68. | TIL Itemization disclosed the prepaid finance charges of $4654.94 However the hud reflects $4819.94 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 672 | XX | XX | XX |  | 36801384 | 318999-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | D |  |  | No |
| 672 | XX | XX | XX |  | 36801385 | 318999-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | D |  |  | No |
| 672 | XX | XX | XX |  | 36801386 | 318999-494-6577 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | AZ | Primary | Purchase | D |  |  | No |
| 672 | XX | XX | XX |  | 36801387 | 318999-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | D |  |  | No |
| 672 | XX | XX | XX |  | 36801388 | 318999-494-3928 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | D |  |  | No |
| 673 | XX | XX | XX |  | 36801389 | 319000-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Construction-Permanent | B |  |  | No |
| 673 | XX | XX | XX |  | 36801390 | 319000-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Construction-Permanent | B |  |  | No |
| 673 | XX | XX | XX |  | 36801392 | 319000-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Construction-Permanent | B |  |  | No |
| 674 | XX | XX | XX |  | 36801394 | 319004-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 675 | XX | XX | XX |  | 36801396 | 319005-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 675 | XX | XX | XX |  | 36801397 | 319005-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 675 | XX | XX | XX |  | 36801399 | 319005-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 675 | XX | XX | XX |  | 36801400 | 319005-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 676 | XX | XX | XX |  | 36801401 | 319007-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | B |  |  | No |
| 676 | XX | XX | XX |  | 36801402 | 319007-494-5780 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | B |  |  | No |
| 676 | XX | XX | XX |  | 36801403 | 319007-494-613 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | B |  |  | No |
| 677 | XX | XX | XX |  | 36801408 | 319008-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 677 | XX | XX | XX |  | 36801409 | 319008-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 677 | XX | XX | XX |  | 36801411 | 319008-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 677 | XX | XX | XX |  | 36801413 | 319008-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 677 | XX | XX | XX |  | 36801414 | 319008-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 677 | XX | XX | XX |  | 36801415 | 319008-494-7027 | 12/07/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 677 | XX | XX | XX |  | 36801416 | 319008-494-2659 | 12/07/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $338,202.46 is underdisclosed from calculated Finance Charge of $338,646.59 in the amount of $444.13. | Unable to determine cause of under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 679 | XX | XX | XX |  | 36801426 | 319010-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 679 | XX | XX | XX |  | 36801427 | 319010-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 679 | XX | XX | XX |  | 36801428 | 319010-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 681 | XX | XX | XX |  | 36801431 | 319021-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | No Defined Cure B |  |  | No |
| 681 | XX | XX | XX |  | 36801432 | 319021-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 681 | XX | XX | XX |  | 36801433 | 319021-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | No Defined Cure B |  |  | No |
| 682 | XX | XX | XX |  | 36801434 | 319022-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 682 | XX | XX | XX |  | 36801435 | 319022-494-20185 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-8 or H-9 used on a HELOC Transaction | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for an open-end transaction. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 682 | XX | XX | XX |  | 36801436 | 319022-494-2666 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 683 | XX | XX | XX |  | 36801437 | 319024-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 683 | XX | XX | XX |  | 36801438 | 319024-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 683 | XX | XX | XX |  | 36801439 | 319024-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | No Defined Cure B |  |  | No |
| 683 | XX | XX | XX |  | 36801440 | 319024-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | No Defined Cure B |  |  | No |
| 683 | XX | XX | XX |  | 36801441 | 319024-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | B |  |  | No |
| 684 | XX | XX | XX |  | 36801443 | 319034-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 684 | XX | XX | XX |  | 36801444 | 319034-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 684 | XX | XX | XX |  | 36801445 | 319034-494-20780 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 684 | XX | XX | XX |  | 36801446 | 319034-494-6579 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 684 | XX | XX | XX |  | 36801447 | 319034-494-7028 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 684 | XX | XX | XX |  | 36801448 | 319034-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission |  |  | No |
| 684 | XX | XX | XX |  | 36801449 | 319034-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 684 | XX | XX | XX |  | 36801450 | 319034-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 685 | XX | XX | XX |  | 36801452 | 319041-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 685 | XX | XX | XX |  | 36801453 | 319041-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 685 | XX | XX | XX |  | 36801454 | 319041-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 685 | XX | XX | XX |  | 36801456 | 319041-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 685 | XX | XX | XX |  | 36801457 | 319041-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission |  |  | No |
| 685 | XX | XX | XX |  | 36801458 | 319041-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 685 | XX | XX | XX |  | 36801459 | 319041-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 686 | XX | XX | XX |  | 36801460 | 319045-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 687 | XX | XX | XX |  | 36801462 | 319046-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $234,404.71 is underdisclosed from calculated Finance Charge of $234,667.03 in the amount of $262.32. | Disclosed payment on Note of $891.84 does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 688 | XX | XX | XX |  | 36801463 | 319047-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 688 | XX | XX | XX |  | 36801464 | 319047-494-6301 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 688 | XX | XX | XX |  | 36801465 | 319047-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 688 | XX | XX | XX |  | 36801466 | 319047-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 689 | XX | XX | XX |  | 36801468 | 319049-494-20780 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 689 | XX | XX | XX |  | 36801469 | 319049-494-6579 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 689 | XX | XX | XX |  | 36801470 | 319049-494-7028 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 691 | XX | XX | XX |  | 36801472 | 319058-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 691 | XX | XX | XX |  | 36801473 | 319058-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 691 | XX | XX | XX |  | 36801474 | 319058-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 691 | XX | XX | XX |  | 36801475 | 319058-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 692 | XX | XX | XX |  | 36801477 | 319061-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 692 | XX | XX | XX |  | 36801478 | 319061-494-2647 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 693 | XX | XX | XX |  | 36801480 | 319062-494-20780 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1998 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 693 | XX | XX | XX |  | 36801481 | 319062-494-6579 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 693 | XX | XX | XX |  | 36801482 | 319062-494-7028 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/1998. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 693 | XX | XX | XX |  | 36801483 | 319062-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission |  |  | No |
| 693 | XX | XX | XX |  | 36801484 | 319062-494-7037 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 693 | XX | XX | XX |  | 36801485 | 319062-494-3494 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 693 | XX | XX | XX |  | 36801486 | 319062-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 693 | XX | XX | XX |  | 36801487 | 319062-494-4967 | 11/15/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 695 | XX | XX | XX |  | 36801488 | 319069-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 695 | XX | XX | XX |  | 36801489 | 319069-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 695 | XX | XX | XX |  | 36801490 | 319069-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 696 | XX | XX | XX |  | 36801492 | 319070-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 697 | XX | XX | XX |  | 36801495 | 319071-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 698 | XX | XX | XX |  | 36801496 | 319072-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 698 | XX | XX | XX |  | 36801497 | 319072-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 699 | XX | XX | XX |  | 36801498 | 319079-494-6578 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 699 | XX | XX | XX |  | 36801500 | 319079-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 699 | XX | XX | XX |  | 36801501 | 319079-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 700 | XX | XX | XX |  | 36801502 | 319081-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 700 | XX | XX | XX |  | 36801503 | 319081-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 700 | XX | XX | XX |  | 36801505 | 319081-494-6306 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 701 | XX | XX | XX |  | 36801506 | 319084-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 701 | XX | XX | XX |  | 36801507 | 319084-494-6302 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 701 | XX | XX | XX |  | 36801508 | 319084-494-3953 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 701 | XX | XX | XX |  | 36801509 | 319084-494-613 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 701 | XX | XX | XX |  | 36801510 | 319084-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 701 | XX | XX | XX |  | 36801511 | 319084-494-6305 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 701 | XX | XX | XX |  | 36801512 | 319084-494-2659 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $2,307,411.39 is underdisclosed from calculated Finance Charge of $2,307,651.75 in the amount of $240.36. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 701 | XX | XX | XX |  | 36801513 | 319084-494-22050 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 702 | XX | XX | XX |  | 36801515 | 319085-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 702 | XX | XX | XX |  | 36801516 | 319085-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 702 | XX | XX | XX |  | 36801517 | 319085-494-3953 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 702 | XX | XX | XX |  | 36801518 | 319085-494-611 | 11/15/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 704 | XX | XX | XX |  | 36801520 | 319107-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 705 | XX | XX | XX |  | 36801522 | 319115-494-4088 | 11/15/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 705 | XX | XX | XX |  | 36801523 | 319115-494-7039 | 11/15/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 706 | XX | XX | XX |  | 36801524 | 319116-494-7027 | 11/15/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 706 | XX | XX | XX |  | 36801525 | 319116-494-3934 | 11/15/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 706 | XX | XX | XX |  | 36801526 | 319116-494-5445 | 11/15/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 707 | XX | XX | XX |  | 36801528 | 319119-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | D |  |  | No |
| 707 | XX | XX | XX |  | 36801529 | 319119-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MA | Primary | Purchase | D |  |  | No |
| 707 | XX | XX | XX |  | 36801530 | 319119-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | D |  |  | No |
| 707 | XX | XX | XX |  | 36801531 | 319119-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | D |  |  | No |
| 707 | XX | XX | XX |  | 36801532 | 319119-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | D |  |  | No |
| 707 | XX | XX | XX |  | 36801533 | 319119-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | D |  |  | No |
| 708 | XX | XX | XX |  | 36801534 | 319120-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 708 | XX | XX | XX |  | 36801535 | 319120-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 709 | XX | XX | XX |  | 36801539 | 319121-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 709 | XX | XX | XX |  | 36801540 | 319121-496-22274 | 12/18/2017 | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Late Charge Percent Testing | Note late charge exceeds maximum per state. | Late charge of 5% exceeds the 3% maximum for the state of MA. |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 709 | XX | XX | XX |  | 36801541 | 319121-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 710 | XX | XX | XX |  | 36801542 | 319125-496-611 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 710 | XX | XX | XX |  | 36801543 | 319125-496-613 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 710 | XX | XX | XX |  | 36801544 | 319125-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 710 | XX | XX | XX |  | 36801545 | 319125-496-4087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 710 | XX | XX | XX |  | 36801546 | 319125-496-3953 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | MA | Primary | Purchase | B |  |  | No |
| 712 | XX | XX | XX |  | 36801547 | 319130-496-7087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 712 | XX | XX | XX |  | 36801548 | 319130-496-3063 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 712 | XX | XX | XX |  | 36801549 | 319130-496-3295 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. |  |  |  |  |  |  |  |  | 3 C | XX | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 712 | XX | XX | XX |  | 36801550 | 319130-496-3297 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (High Cost Analysis Not In File) | Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. |  |  |  |  |  |  |  |  | 3 A | XX | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 712 | XX | XX | XX |  | 36801551 | 319130-496-3298 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. |  |  |  |  |  |  |  |  | 3 C | XX | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 712 | XX | XX | XX |  | 36801552 | 319130-496-3070 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 712 | XX | XX | XX |  | 36801553 | 319130-496-3085 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance With Cure | RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. |  |  |  |  |  |  |  |  | 2 B | XX | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 713 | XX | XX | XX |  | 36801556 | 319136-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 713 | XX | XX | XX |  | 36801557 | 319136-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 713 | XX | XX | XX |  | 36801558 | 319136-496-22866 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 713 | XX | XX | XX |  | 36801559 | 319136-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 714 | XX | XX | XX |  | 36801561 | 319137-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | No Defined Cure B |  |  | No |
| 714 | XX | XX | XX |  | 36801562 | 319137-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Purchase | No Defined Cure B |  |  | No |
| 715 | XX | XX | XX |  | 36801563 | 319139-496-611 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 715 | XX | XX | XX |  | 36801564 | 319139-496-613 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 715 | XX | XX | XX |  | 36801566 | 319139-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 715 | XX | XX | XX |  | 36801567 | 319139-496-4087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 715 | XX | XX | XX |  | 36801568 | 319139-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 715 | XX | XX | XX |  | 36801569 | 319139-496-22050 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 715 | XX | XX | XX |  | 36801570 | 319139-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $501,040.20 is underdisclosed from calculated Finance Charge of $501,092.31 in the amount of $52.11. | Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | CT | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 716 | XX | XX | XX |  | 36801577 | 319143-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 716 | XX | XX | XX |  | 36801578 | 319143-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 716 | XX | XX | XX |  | 36801579 | 319143-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 716 | XX | XX | XX |  | 36801580 | 319143-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 716 | XX | XX | XX |  | 36801581 | 319143-496-7027 | 12/20/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 717 | XX | XX | XX |  | 36801583 | 319146-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 717 | XX | XX | XX |  | 36801584 | 319146-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 718 | XX | XX | XX |  | 36801586 | 319149-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | D |  |  | No |
| 718 | XX | XX | XX |  | 36801587 | 319149-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Purchase | D |  |  | No |
| 718 | XX | XX | XX |  | 36801588 | 319149-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NY | Primary | Purchase | D |  |  | No |
| 719 | XX | XX | XX |  | 36801589 | 319155-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 719 | XX | XX | XX |  | 36801590 | 319155-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 720 | XX | XX | XX |  | 36801593 | 319156-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 720 | XX | XX | XX |  | 36801594 | 319156-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 720 | XX | XX | XX |  | 36801595 | 319156-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 720 | XX | XX | XX |  | 36801596 | 319156-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | No Defined Cure |  |  | No |
| 720 | XX | XX | XX |  | 36801597 | 319156-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | No Defined Cure |  |  | No |
| 720 | XX | XX | XX |  | 36801598 | 319156-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 720 | XX | XX | XX |  | 36801599 | 319156-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NY | Primary | Refinance - UTD | D |  |  | No |
| 721 | XX | XX | XX |  | 36801602 | 319167-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 721 | XX | XX | XX |  | 36801607 | 319167-496-22866 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 721 | XX | XX | XX |  | 36801609 | 319167-496-7040 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not provided to all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 721 | XX | XX | XX |  | 36801610 | 319167-496-7027 | 12/20/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 722 | XX | XX | XX |  | 36801611 | 319171-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 722 | XX | XX | XX |  | 36801612 | 319171-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | PA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 723 | XX | XX | XX |  | 36801613 | 319178-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Purchase | B |  |  | No |
| 724 | XX | XX | XX |  | 36801614 | 319180-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 725 | XX | XX | XX |  | 36801616 | 319190-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2011. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 725 | XX | XX | XX |  | 36801621 | 319190-496-2687 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 725 | XX | XX | XX |  | 36801622 | 319190-496-3078 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 725 | XX | XX | XX |  | 36801623 | 319190-496-6420 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 2009 Three Day Waiting Period Irregular Transaction | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 725 | XX | XX | XX |  | 36801624 | 319190-496-3071 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Unable to test the Escrow Payment on the Final TIL due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 725 | XX | XX | XX |  | 36801625 | 319190-496-3072 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Interest Rate Inaccurate | Unable to test Introductory Interest Rate due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 725 | XX | XX | XX |  | 36801626 | 319190-496-3073 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - P&I Payment Inaccurate | Unable to determine if the Principal and Interest Payment on the Final TIL matches the Principal and Interest Payment on the loan due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 725 | XX | XX | XX |  | 36801627 | 319190-496-3074 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Unable to determine if the Total Payment on the Final TIL matches the Total Payment on the loan due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 725 | XX | XX | XX |  | 36801628 | 319190-496-3075 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | Incorrect TIL Form Used | Truth in Lending Act (MDIA 2011): TIL disclosure not compliant under MDIA |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 725 | XX | XX | XX |  | 36801629 | 319190-496-3076 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - 'No guarantee to Refinance' Statement Missing | Truth in Lending Act (MDIA 2011): Final TIL does not contain required 'No guarantee to Refinance' statement. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 725 | XX | XX | XX |  | 36801630 | 319190-496-3141 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 725 | XX | XX | XX |  | 36801631 | 319190-496-7115 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B |  |  | No |
| 725 | XX | XX | XX |  | 36801632 | 319190-496-18362 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 725 | XX | XX | XX |  | 36801633 | 319190-496-1859 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Disclosure Not In File | Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 725 | XX | XX | XX |  | 36801635 | 319190-496-871 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: TIL did not reflect the required verbiage |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 726 | XX | XX | XX |  | 36801637 | 319193-496-2684 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 726 | XX | XX | XX |  | 36801638 | 319193-496-3141 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 726 | XX | XX | XX |  | 36801639 | 319193-496-3063 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 727 | XX | XX | XX |  | 36801641 | 319194-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 727 | XX | XX | XX |  | 36801642 | 319194-496-4087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 727 | XX | XX | XX |  | 36801643 | 319194-496-613 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 728 | XX | XX | XX |  | 36801646 | 319197-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 728 | XX | XX | XX |  | 36801647 | 319197-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 728 | XX | XX | XX |  | 36801648 | 319197-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 728 | XX | XX | XX |  | 36801649 | 319197-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 728 | XX | XX | XX |  | 36801650 | 319197-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | MD | Primary | Purchase | B |  |  | No |
| 731 | XX | XX | XX |  | 36801651 | 319205-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | VA | Primary | UTD - UTD | D |  |  | No |
| 731 | XX | XX | XX |  | 36801652 | 319205-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1991 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/1991. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | UTD - UTD | D |  |  | No |
| 731 | XX | XX | XX |  | 36801653 | 319205-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | UTD - UTD | D |  |  | No |
| 731 | XX | XX | XX |  | 36801655 | 319205-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 731 | XX | XX | XX |  | 36801656 | 319205-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/1992 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | UTD - UTD | D |  |  | No |
| 732 | XX | XX | XX |  | 36801657 | 319215-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 732 | XX | XX | XX |  | 36801658 | 319215-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 732 | XX | XX | XX |  | 36801659 | 319215-496-2666 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 733 | XX | XX | XX |  | 36801661 | 319224-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 733 | XX | XX | XX |  | 36801662 | 319224-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 733 | XX | XX | XX |  | 36801663 | 319224-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $391,213.33 is underdisclosed from calculated Finance Charge of $392,433.70 in the amount of $1,220.37. | Disclosed payment on Note of $1488.77 does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 734 | XX | XX | XX |  | 36801664 | 319226-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 735 | XX | XX | XX |  | 36801666 | 319229-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 735 | XX | XX | XX |  | 36801667 | 319229-496-5705 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 3 C | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 735 | XX | XX | XX |  | 36801668 | 319229-496-22137 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 735 | XX | XX | XX |  | 36801669 | 319229-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $353,457.74 is underdisclosed from calculated Finance Charge of $353,581.66 in the amount of $123.92. | TIL itemization did not include the $135 settlement fee as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | No |
| 736 | XX | XX | XX |  | 36801670 | 319230-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 736 | XX | XX | XX |  | 36801671 | 319230-496-4087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 736 | XX | XX | XX |  | 36801672 | 319230-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 736 | XX | XX | XX |  | 36801673 | 319230-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NC | Primary | Purchase | B |  |  | No |
| 738 | XX | XX | XX |  | 36801679 | 319238-496-18330 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 738 | XX | XX | XX |  | 36801680 | 319238-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 738 | XX | XX | XX |  | 36801681 | 319238-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 738 | XX | XX | XX |  | 36801682 | 319238-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 738 | XX | XX | XX |  | 36801683 | 319238-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 738 | XX | XX | XX |  | 36801684 | 319238-496-5780 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NC | UTD | UTD - UTD | D |  |  | No |
| 739 | XX | XX | XX |  | 36801686 | 319243-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | SC | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 740 | XX | XX | XX |  | 36801688 | 319244-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 741 | XX | XX | XX |  | 36801689 | 319246-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 741 | XX | XX | XX |  | 36801690 | 319246-496-2778 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 741 | XX | XX | XX |  | 36801691 | 319246-496-2783 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (No Tangible Net Benefit) | South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 741 | XX | XX | XX |  | 36801692 | 319246-496-5780 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 742 | XX | XX | XX |  | 36801694 | 319250-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 742 | XX | XX | XX |  | 36801695 | 319250-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 742 | XX | XX | XX |  | 36801696 | 319250-496-5662 | 12/18/2017 | Compliance | Compliance | State Compliance | State Defect | South Carolina CHL Complaint Agency Disclosure Timing Test | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | SC | Primary | Purchase | B |  |  | No |
| 743 | XX | XX | XX |  | 36801698 | 319252-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $268,797.55 is underdisclosed from calculated Finance Charge of $274,041.57 in the amount of $5,244.02. | The TIL payment stream does not match the note and FHA MI terms. The TIL reflects the first 12 payments are $1,1,162.39, the next 12 payments are $1,295.31, then 115 payments ranging between $1,435.80 and $1,420.20, and then 220 payments of $1,345.45. The note reflects being an FHA 30 year fixed with an initial P&I payment of $1,345.45, the TIL does not have an accurate payment for the first 24 months of payments as the amount disclosed is less than the P&I payment and does not account for the MI payment, for the next 115 payments it is unclear what the specific payments are and if the continual reductions in the FHA MI premium are properly accounted for as it gives a range of payments rather than a complete breakdown. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 744 | XX | XX | XX |  | 36801700 | 319253-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 744 | XX | XX | XX |  | 36801701 | 319253-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 745 | XX | XX | XX |  | 36801703 | 319257-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 745 | XX | XX | XX |  | 36801704 | 319257-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 747 | XX | XX | XX |  | 36801705 | 319268-496-6576 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | XX | GA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 747 | XX | XX | XX |  | 36801706 | 319268-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 747 | XX | XX | XX |  | 36801707 | 319268-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 748 | XX | XX | XX |  | 36801713 | 319269-496-6580 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 748 | XX | XX | XX |  | 36801716 | 319269-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 748 | XX | XX | XX |  | 36801720 | 319269-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 748 | XX | XX | XX |  | 36801721 | 319269-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 748 | XX | XX | XX |  | 36801722 | 319269-496-7027 | 12/21/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 748 | XX | XX | XX |  | 36801724 | 319269-496-2659 | 12/21/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $261,841.11 is underdisclosed from calculated Finance Charge of $265,015.04 in the amount of $3,173.93. | Unable to determine appraised value used at origination and FHA case assignment date due to missing documentation therefore monthly FHA premium is being calculated through the term of the loan. |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 749 | XX | XX | XX |  | 36801727 | 319271-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 749 | XX | XX | XX |  | 36801730 | 319271-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 749 | XX | XX | XX |  | 36801732 | 319271-496-6580 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 749 | XX | XX | XX |  | 36801736 | 319271-496-7027 | 12/21/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 750 | XX | XX | XX |  | 36801739 | 319273-496-4087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 750 | XX | XX | XX |  | 36801740 | 319273-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 751 | XX | XX | XX |  | 36801746 | 319275-496-6580 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 751 | XX | XX | XX |  | 36801750 | 319275-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 751 | XX | XX | XX |  | 36801751 | 319275-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 751 | XX | XX | XX |  | 36801755 | 319275-496-7027 | 12/21/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Purchase | B |  |  | No |
| 752 | XX | XX | XX |  | 36801756 | 319283-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 752 | XX | XX | XX |  | 36801759 | 319283-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 755 | XX | XX | XX |  | 36801763 | 319291-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 756 | XX | XX | XX |  | 36801764 | 319292-496-3353 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 757 | XX | XX | XX |  | 36801766 | 319294-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 757 | XX | XX | XX |  | 36801767 | 319294-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 757 | XX | XX | XX |  | 36801768 | 319294-496-5791 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 760 | XX | XX | XX |  | 36801772 | 319302-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 761 | XX | XX | XX |  | 36801774 | 319303-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 761 | XX | XX | XX |  | 36801775 | 319303-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 761 | XX | XX | XX |  | 36801779 | 319303-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 761 | XX | XX | XX |  | 36801781 | 319303-496-7027 | 12/21/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 762 | XX | XX | XX |  | 36801782 | 319307-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 762 | XX | XX | XX |  | 36801783 | 319307-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 763 | XX | XX | XX |  | 36801784 | 319316-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 764 | XX | XX | XX |  | 36801788 | 319318-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 764 | XX | XX | XX |  | 36801789 | 319318-496-6580 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 764 | XX | XX | XX |  | 36801790 | 319318-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | FL | Primary | Purchase | D |  |  | No |
| 764 | XX | XX | XX |  | 36801791 | 319318-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 764 | XX | XX | XX |  | 36801792 | 319318-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 764 | XX | XX | XX |  | 36801794 | 319318-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 764 | XX | XX | XX |  | 36801795 | 319318-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 764 | XX | XX | XX |  | 36801798 | 319318-496-5780 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Purchase | D |  |  | No |
| 765 | XX | XX | XX |  | 36801799 | 319320-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Second Home | Refinance - Rate/Term | B |  |  | No |
| 766 | XX | XX | XX |  | 36801800 | 319322-496-5791 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 766 | XX | XX | XX |  | 36801801 | 319322-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 766 | XX | XX | XX |  | 36801802 | 319322-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $307,115.94 is underdisclosed from calculated Finance Charge of $307,390.15 in the amount of $274.21. | Disclosed payment on Note of $$1,240.50 does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 767 | XX | XX | XX |  | 36801803 | 319325-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 767 | XX | XX | XX |  | 36801804 | 319325-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 768 | XX | XX | XX |  | 36801806 | 319334-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 768 | XX | XX | XX |  | 36801807 | 319334-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 768 | XX | XX | XX |  | 36801808 | 319334-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $352,575.60 is underdisclosed from calculated Finance Charge of $353,533.92 in the amount of $958.32. | Disclosed payment on Note of $1419.31 does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 769 | XX | XX | XX |  | 36801809 | 319337-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 769 | XX | XX | XX |  | 36801810 | 319337-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $276,093.95 is underdisclosed from calculated Finance Charge of $276,219.03 in the amount of $125.08. | Unable to determine under disclosure due to missing itemization of amount financed |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 769 | XX | XX | XX |  | 36801812 | 319337-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 770 | XX | XX | XX |  | 36801815 | 319340-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 770 | XX | XX | XX |  | 36801816 | 319340-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 770 | XX | XX | XX |  | 36801817 | 319340-496-2647 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 770 | XX | XX | XX |  | 36801818 | 319340-496-22866 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 770 | XX | XX | XX |  | 36801819 | 319340-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | Unable to determine if loan file contains ARM Disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 770 | XX | XX | XX |  | 36801820 | 319340-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 772 | XX | XX | XX |  | 36801824 | 319348-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 772 | XX | XX | XX |  | 36801825 | 319348-496-2658 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 7.86400% is underdisclosed from calculated APR of 8.09658% outside of 0.125% tolerance. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 773 | XX | XX | XX |  | 36801828 | 319354-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 773 | XX | XX | XX |  | 36801829 | 319354-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 774 | XX | XX | XX |  | 36801831 | 319357-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | B |  |  | No |
| 774 | XX | XX | XX |  | 36801832 | 319357-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | No Defined Cure B |  |  | No |
| 774 | XX | XX | XX |  | 36801833 | 319357-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Purchase | No Defined Cure B |  |  | No |
| 775 | XX | XX | XX |  | 36801835 | 319359-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 775 | XX | XX | XX |  | 36801836 | 319359-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 775 | XX | XX | XX |  | 36801837 | 319359-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 775 | XX | XX | XX |  | 36801838 | 319359-496-22866 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B | XX | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 776 | XX | XX | XX |  | 36801840 | 319362-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - UTD | D |  |  | No |
| 776 | XX | XX | XX |  | 36801841 | 319362-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | MS | Primary | Refinance - UTD | D |  |  | No |
| 776 | XX | XX | XX |  | 36801842 | 319362-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - UTD | D |  |  | No |
| 776 | XX | XX | XX |  | 36801843 | 319362-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 776 | XX | XX | XX |  | 36801844 | 319362-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - UTD | D |  |  | No |
| 776 | XX | XX | XX |  | 36801845 | 319362-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - UTD | D |  |  | No |
| 776 | XX | XX | XX |  | 36801846 | 319362-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | MS | Primary | Refinance - UTD | D |  |  | No |
| 777 | XX | XX | XX |  | 36801847 | 319366-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $207,307.74 is underdisclosed from calculated Finance Charge of $207,888.69 in the amount of $580.95. | Disclosed payment on Note of $778.30 does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  |  | 2 B | XX | KY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 778 | XX | XX | XX |  | 36801848 | 319380-496-1973 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Unable to test Bill of Rights disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 778 | XX | XX | XX |  | 36801849 | 319380-496-1976 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Unable to test Consumer Caution notice due to missing information. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 778 | XX | XX | XX |  | 36801850 | 319380-496-6589 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 778 | XX | XX | XX |  | 36801851 | 319380-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 779 | XX | XX | XX |  | 36801853 | 319384-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | MI | Primary | Purchase | B |  |  | No |
| 780 | XX | XX | XX |  | 36801854 | 319386-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | IA | Primary | Refinance - Rate/Term | B |  |  | No |
| 781 | XX | XX | XX |  | 36801856 | 319388-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 781 | XX | XX | XX |  | 36801857 | 319388-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $383,894.42 is underdisclosed from calculated Finance Charge of $386,582.92 in the amount of $2,688.50. | Unable to determine under disclosure due to missing itemization of amount financed |  |  |  |  |  |  |  | 2 B | XX | WI | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 782 | XX | XX | XX |  | 36801859 | 319390-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 782 | XX | XX | XX |  | 36801860 | 319390-496-2666 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2008, prior to three (3) business days from transaction date of 08/XX/2008. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 783 | XX | XX | XX |  | 36801863 | 319392-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 784 | XX | XX | XX |  | 36801864 | 319394-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 784 | XX | XX | XX |  | 36801865 | 319394-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 784 | XX | XX | XX |  | 36801866 | 319394-496-6630 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Prepayment Penalty Disclosure Not Provided at application) | Minnesota Residential Originator and Servicer Licensing Act: Prepayment penalty disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 784 | XX | XX | XX |  | 36801867 | 319394-496-6633 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Prepayment Penalty Disclosure Not Provided at closing) | Minnesota Residential Originator and Servicer Licensing Act: Prepayment penalty disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 784 | XX | XX | XX |  | 36801869 | 319394-496-1986 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty) | Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 785 | XX | XX | XX |  | 36801870 | 319399-496-7042 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 785 | XX | XX | XX |  | 36801871 | 319399-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 786 | XX | XX | XX |  | 36801874 | 319409-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 786 | XX | XX | XX |  | 36801875 | 319409-496-22063 | 12/18/2017 | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Note late charge exceeds maximum per state. | Late charge not allowed per state of (IL) - max late charge for IL is 5% - note states 6%. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 786 | XX | XX | XX |  | 36801876 | 319409-496-710 | 12/18/2017 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | Late charge not allowed per state of (IL) - max late charge for IL is 5% - note states 6%. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 787 | XX | XX | XX |  | 36801878 | 319414-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 787 | XX | XX | XX |  | 36801879 | 319414-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2009. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 788 | XX | XX | XX |  | 36801880 | 319415-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | No Defined Cure B |  |  | No |
| 788 | XX | XX | XX |  | 36801881 | 319415-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | No Defined Cure B |  |  | No |
| 788 | XX | XX | XX |  | 36801882 | 319415-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $638,087.68 is underdisclosed from calculated Finance Charge of $638,729.56 in the amount of $641.88. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 789 | XX | XX | XX |  | 36801886 | 319416-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 790 | XX | XX | XX |  | 36801888 | 319418-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | B |  |  | No |
| 790 | XX | XX | XX |  | 36801889 | 319418-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $665,346.72 is underdisclosed from calculated Finance Charge of $665,564.30 in the amount of $217.58. | Under disclosure is due to the Final Itemization of Amount Financed not reflecting an Extension fee of $175.00 |  |  |  |  |  |  |  | 2 B | XX | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 791 | XX | XX | XX |  | 36801890 | 319425-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | MO | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 792 | XX | XX | XX |  | 36801891 | 319428-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/1997. |  |  |  |  |  |  |  |  | 2 B | XX | KS | Primary | Purchase | B |  |  | No |
| 794 | XX | XX | XX |  | 36801893 | 319431-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 795 | XX | XX | XX |  | 36801894 | 319435-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. |  |  |  |  |  |  |  |  | 2 B | XX | LA | Primary | Purchase | B |  |  | No |
| 797 | XX | XX | XX |  | 36801896 | 319438-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 797 | XX | XX | XX |  | 36801897 | 319438-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 798 | XX | XX | XX |  | 36801898 | 319439-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 798 | XX | XX | XX |  | 36801899 | 319439-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 798 | XX | XX | XX |  | 36801900 | 319439-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 798 | XX | XX | XX |  | 36801901 | 319439-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 799 | XX | XX | XX |  | 36801902 | 319442-496-613 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 799 | XX | XX | XX |  | 36801903 | 319442-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 799 | XX | XX | XX |  | 36801904 | 319442-496-4087 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 799 | XX | XX | XX |  | 36801905 | 319442-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 799 | XX | XX | XX |  | 36801906 | 319442-496-3953 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 800 | XX | XX | XX |  | 36801907 | 319443-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 800 | XX | XX | XX |  | 36801908 | 319443-496-613 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 801 | XX | XX | XX |  | 36801909 | 319467-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 801 | XX | XX | XX |  | 36801910 | 319467-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 803 | XX | XX | XX |  | 36801911 | 319470-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $251,878.19 is underdisclosed from calculated Finance Charge of $252,211.01 in the amount of $332.82. | TIL itemization did not include a closing attorney fee of $315 or recording service fee of $18 as prepaid finance charges. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 803 | XX | XX | XX |  | 36801912 | 319470-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 804 | XX | XX | XX |  | 36801913 | 319477-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 804 | XX | XX | XX |  | 36801914 | 319477-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 805 | XX | XX | XX |  | 36801916 | 319493-496-6231 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  |  | 2 A | XX | TX | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 805 | XX | XX | XX |  | 36801917 | 319493-496-6336 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No |
| 805 | XX | XX | XX |  | 36801921 | 319493-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $109,914.58 is underdisclosed from calculated Finance Charge of $109,956.33 in the amount of $41.75. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 806 | XX | XX | XX |  | 36801922 | 319502-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 806 | XX | XX | XX |  | 36801923 | 319502-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $254,615.13 is underdisclosed from calculated Finance Charge of $261,566.48 in the amount of $6,951.35. | Under disclosure is due to the disclosed TIL reflecting a fixed payment for the term of the loan rather than adjusting after the first 24 months. |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 807 | XX | XX | XX |  | 36801925 | 319508-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 807 | XX | XX | XX |  | 36801926 | 319508-496-6336 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No |
| 808 | XX | XX | XX |  | 36801928 | 319511-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Purchase | B |  |  | No |
| 809 | XX | XX | XX |  | 36801930 | 319513-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | TX | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 810 | XX | XX | XX |  | 36801931 | 319521-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 810 | XX | XX | XX |  | 36801932 | 319521-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 810 | XX | XX | XX |  | 36801933 | 319521-496-2659 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $189,086.23 is underdisclosed from calculated Finance Charge of $189,240.29 in the amount of $154.06. | Disclosed payment on Note of $88446 does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  |  | 2 B | XX | CO | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 811 | XX | XX | XX |  | 36801934 | 319526-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 811 | XX | XX | XX |  | 36801935 | 319526-496-6223 | 12/18/2017 | Compliance | Compliance | State Compliance | Misc. State Level | Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) | Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 811 | XX | XX | XX |  | 36801936 | 319526-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 811 | XX | XX | XX |  | 36801937 | 319526-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 811 | XX | XX | XX |  | 36801938 | 319526-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | ID | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 812 | XX | XX | XX |  | 36801940 | 319530-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 812 | XX | XX | XX |  | 36801941 | 319530-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 812 | XX | XX | XX |  | 36801942 | 319530-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | UT | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 813 | XX | XX | XX |  | 36801944 | 319532-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | B |  |  | No |
| 813 | XX | XX | XX |  | 36801945 | 319532-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | B |  |  | No |
| 813 | XX | XX | XX |  | 36801946 | 319532-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | No Defined Cure B |  |  | No |
| 813 | XX | XX | XX |  | 36801947 | 319532-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Purchase | No Defined Cure B |  |  | No |
| 814 | XX | XX | XX |  | 36801949 | 319533-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - UTD | D |  |  | No |
| 814 | XX | XX | XX |  | 36801950 | 319533-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - UTD | D |  |  | No |
| 814 | XX | XX | XX |  | 36801951 | 319533-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | AZ | Primary | Refinance - UTD | D |  |  | No |
| 814 | XX | XX | XX |  | 36801952 | 319533-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - UTD | D |  |  | No |
| 814 | XX | XX | XX |  | 36801953 | 319533-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 815 | XX | XX | XX |  | 36801954 | 319534-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 816 | XX | XX | XX |  | 36801956 | 319535-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 816 | XX | XX | XX |  | 36801957 | 319535-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 816 | XX | XX | XX |  | 36801958 | 319535-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 816 | XX | XX | XX |  | 36801959 | 319535-496-2666 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 816 | XX | XX | XX |  | 36801960 | 319535-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 816 | XX | XX | XX |  | 36801961 | 319535-496-3928 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | XX | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 817 | XX | XX | XX |  | 36801962 | 319541-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 817 | XX | XX | XX |  | 36801963 | 319541-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 817 | XX | XX | XX |  | 36801964 | 319541-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 817 | XX | XX | XX |  | 36801965 | 319541-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 817 | XX | XX | XX |  | 36801966 | 319541-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 818 | XX | XX | XX |  | 36801972 | 319544-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | D |  |  | No |
| 818 | XX | XX | XX |  | 36801973 | 319544-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | D |  |  | No |
| 818 | XX | XX | XX |  | 36801979 | 319544-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | D |  |  | No |
| 818 | XX | XX | XX |  | 36801980 | 319544-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | D |  |  | No |
| 818 | XX | XX | XX |  | 36801982 | 319544-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | NV | Primary | Purchase | D |  |  | No |
| 818 | XX | XX | XX |  | 36801983 | 319544-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | D |  |  | No |
| 818 | XX | XX | XX |  | 36801984 | 319544-496-6301 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | No Defined Cure |  |  | No |
| 818 | XX | XX | XX |  | 36801985 | 319544-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | No Defined Cure |  |  | No |
| 818 | XX | XX | XX |  | 36801986 | 319544-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | NV | Primary | Purchase | D |  |  | No |
| 819 | XX | XX | XX |  | 36801988 | 319546-496-5791 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 819 | XX | XX | XX |  | 36801989 | 319546-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 819 | XX | XX | XX |  | 36801990 | 319546-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B |  |  | No |
| 819 | XX | XX | XX |  | 36801991 | 319546-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B |  |  | No |
| 820 | XX | XX | XX |  | 36801992 | 319547-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 821 | XX | XX | XX |  | 36801993 | 319550-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 821 | XX | XX | XX |  | 36801994 | 319550-496-5791 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 821 | XX | XX | XX |  | 36801995 | 319550-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 822 | XX | XX | XX |  | 36801996 | 319556-496-5791 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 822 | XX | XX | XX |  | 36801997 | 319556-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 823 | XX | XX | XX |  | 36801999 | 319558-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 824 | XX | XX | XX |  | 36802000 | 319561-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 824 | XX | XX | XX |  | 36802001 | 319561-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 824 | XX | XX | XX |  | 36802002 | 319561-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 825 | XX | XX | XX |  | 36802003 | 319562-496-5791 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 825 | XX | XX | XX |  | 36802005 | 319562-496-6302 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 825 | XX | XX | XX |  | 36802006 | 319562-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 826 | XX | XX | XX |  | 36802009 | 319564-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 826 | XX | XX | XX |  | 36802010 | 319564-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 827 | XX | XX | XX |  | 36802012 | 319566-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 827 | XX | XX | XX |  | 36802013 | 319566-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 829 | XX | XX | XX |  | 36802016 | 319568-496-4967 | 12/18/2017 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 829 | XX | XX | XX |  | 36802017 | 319568-496-3934 | 12/18/2017 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 829 | XX | XX | XX |  | 36802018 | 319568-496-20780 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 829 | XX | XX | XX |  | 36802019 | 319568-496-6579 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 829 | XX | XX | XX |  | 36802020 | 319568-496-7028 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 829 | XX | XX | XX |  | 36802021 | 319568-496-7037 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 829 | XX | XX | XX |  | 36802022 | 319568-496-3494 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | UTD - UTD | D |  |  | No |
| 831 | XX | XX | XX |  | 36802024 | 319572-496-7027 | 12/18/2017 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 831 | XX | XX | XX |  | 36802025 | 319572-496-4088 | 12/18/2017 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 831 | XX | XX | XX |  | 36802026 | 319572-496-6305 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 831 | XX | XX | XX |  | 36802027 | 319572-496-6306 | 12/18/2017 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 832 | XX | XX | XX |  | 36802028 | 319576-496-613 | 12/18/2017 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |
| 832 | XX | XX | XX |  | 36802029 | 319576-496-5445 | 12/18/2017 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | XX | CA | Primary | Purchase | B |  |  | No |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

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| | |
|:---|:---|
| ![](ex99-1sch3_001.jpg) |  |
| **Loan Level Exception - Final Grades** | |
|  | **FINAL COMPLIANCE LOAN GRADES** |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** |
| 1750 | XX | XX | XX | XX | XX | XX | MI | 12/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations was older than 30 days when provided to borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $95,333.35 is underdisclosed from calculated Finance Charge of $95,712.22 in the amount of $378.87. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower: List is dated 02/XX/2013<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine due to Itemization of Amount Financed does not reflect any title fees. |  | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1761 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2015 | Primary | Refinance Limited Cash-out GSE | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. |  |  | Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1405 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: The GFE Estimate is good through date is only 8 business days instead of the required 10.<br> Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Taxes and Insurance were escrowed, but evidence that an Initial Escrow Account Disclosure was provided to the Borrower at closing is missing. |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1294 | XX | XX | XX | XX | XX | XX | NJ | 7/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 1274 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 1289 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2015 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1233 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2017 | Primary | Purchase | Safe Harbor QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/08/2017)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure 04/XX/2017 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/XX/05/2017)<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 02/XX/2017 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/02/2017)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $115.56 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75174)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $9.24 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - Check Loan Designation Match - QM: File is missing the required AUS with all pages, loan is defaulting to standard ATR/QM documentation requirements."<br> Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: Seller CD was not in the file. Seller is the Builder of a newly constructed home.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No cure or Change of circumstances found in the file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No cure or Change of circumstances found in the file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No cure or Change of circumstances found in the file. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA ATR/QM B C |
| 1219 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,233.75 is less than amount of binding Lender Credit previously disclosed in the amount of $-3,249.00. (9300) | Federal Compliance - TRID Lender Credit Tolerance Violation: A valid COC was not provided. |  | Federal Compliance - TRID Lender Credit Tolerance Violation: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1482 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.<br> [2] Federal Compliance - RESPA - Incorrect HUD-1 Form Used: RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. | Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: GFE loan amount is $149,900 and does not match note amount of $151,790<br> Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: GFE payment of &737.42 differs from note payment of $746.72<br> Federal Compliance - RESPA - Incorrect HUD-1 Form Used: HUD 1 was on proper form - doc 1253<br> Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: GFE provided 04/XX/2015. Service providers list provided 04/XX/2015<br> Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: GFE provided 04/XX/2015. Service providers list provided 04/XX/2015<br> Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Loan originated 04/XX/2015. Borrower did not receive right to copy of appraisal within 3 business days | REVIEWER - GENERAL COMMENT (2021-08-09): Sufficient cure provided at closing. | Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Incorrect HUD-1 Form Used: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. |  |  | - B |
| 1192 | XX | XX | XX | XX | XX | XX | MD | 3/XX/2015 | Investment | Refinance Streamlined | N/A | 2 | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Disclosure was provided at closing |  | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. |  |  | - B |
| 1691 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: GFE reflects a Good Thru date for all other settlement charges of 5/XX/2015.<br> Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: GFE in loan file is dated 7/XX/2015 |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1443 | XX | XX | XX | XX | XX | XX | VA | 9/XX/2015 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |  |  | Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1367 | XX | XX | XX | XX | XX | XX | NY | 7/XX/2015 | Primary | Purchase | Temporary HPQM (GSE/Agency Eligible) | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible).<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: Unable to determine HUD Settlement Booklet was provided due to missing information. | Federal Compliance - Check Loan Designation Match - QM: Due to Points and Fees<br> Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: Disclosure is not dated |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA ATR/QM B C |
| 1224 | XX | XX | XX | XX | XX | XX | MA | 6/XX/2015 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Borrower(s) did not receive Homeownership Counseling Organization list within (3) business days of the application.<br> Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Borrower(s) did not receive Servicing Disclosure Statement within (3) business days of the application. |  | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1789 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2014 | Investment | Refinance Cash-out - Other | N/A | 2 | [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. |  |  | - B |
| 1694 | XX | XX | XX | XX | XX | XX | OR | 6/XX/2014 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: Provide disclosure that shows date booklet was provided to borrower. |  | Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1108 | XX | XX | XX | XX | XX | XX | MD | 2/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: Borrower's ability to repay not verified with reliable documentation.<br> [2] Federal Compliance - TRID Final Loan Estimate 5 Year Paid Off: TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on 01/XX/2016 did not disclose the total principal paid off in 5 years. (Interim/XX/26/2016)<br> [2] Federal Compliance - TRID Final Loan Estimate 5 Year Payments: TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on 01/XX/2016 did not disclose the total principal paid off in 5 years. (Interim/XX/26/2016)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $27.50 exceeds tolerance of $18.00. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,278.29 exceeds tolerance of $340.00. Insufficient or no cure was provided to the borrower. (7200) | State Compliance - Maryland Ability to Repay Not Verified: Missing MD documentation<br> Federal Compliance - TRID Final Loan Estimate 5 Year Paid Off: Loan Estimate dated 1/XX/2016 is missing the 3rd page. Unable to determine.<br> Federal Compliance - TRID Final Loan Estimate 5 Year Payments: Loan Estimate dated 1/XX/2016 is missing the 3rd page. Unable to determine.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount fee increased from $340 to $1278.29 which is a difference of $938.29 and there was not change of circumstance .Credit report increased $4.00 to $4.40 and Tax service fee $18 increased to $27.50 and mortgage state tax stamps $18 to $27.50 .<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount fee increased from $340 to $1278.29 which is a difference of $938.29 and there was not change of circumstance .Credit report increased $4.00 to $4.40 and Tax service fee $18 increased to $27.50 and mortgage state tax stamps $18 to $27.50 . |  | State Compliance - Maryland Ability to Repay Not Verified: No express provisions for assignee liability<br>Federal Compliance - TRID Final Loan Estimate 5 Year Paid Off: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Loan Estimate 5 Year Payments: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1206 | XX | XX | XX | XX | XX | XX | TX | 9/XX/2014 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | Federal Compliance - FACTA Disclosure Missing: There is no evidence of a FACTA in file.<br> Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: Initial GFE dated 8/XX/14 and estimate thru date is 9/XX/14.<br> Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: Intial GFE was given 8/XX/14 and the list of SSPs was given 8/XX/14. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1533 | XX | XX | XX | XX | XX | XX | MA | 6/XX/2016 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Funds Not Disbursed per Agreement): Massachusetts Mortgage Lender and Broker Regulations: Lender failed to disburse funds in accordance with the commitment or agreement with the borrower.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,824.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $76.70 exceeds tolerance of $65.00. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No valid coc or cure was provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No valid coc or cure was provided. |  | State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Funds Not Disbursed per Agreement): No Assignee Liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1483 | XX | XX | XX | XX | XX | XX | WA | 9/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 1716 | XX | XX | XX | XX | XX | XX | PA | 9/XX/2015 | Primary | Refinance Cash-out - Debt Consolidation | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $92,457.37 is underdisclosed from calculated Finance Charge of $92,512.24 in the amount of $54.87. | Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose a Reimbursement of Tax Certification of $55 as a prepaid finance charge. |  | Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1255 | XX | XX | XX | XX | XX | XX | PA | 9/XX/2017 | Primary | Refinance Limited Cash-out GSE | Safe Harbor QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2017 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/22/2017) | Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Missing evidence of borrowers receipt |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA ATR/QM B C |
| 1793 | XX | XX | XX | XX | XX | XX | MI | 5/XX/2015 | Investment | Refinance Cash-out - Other | N/A | 1 |  |  |  |  |  |  | - A |
| 1587 | XX | XX | XX | XX | XX | XX | SC | 9/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 1514 | XX | XX | XX | XX | XX | XX | NJ | 11/XX/2015 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $210,561.26 is underdisclosed from calculated Finance Charge of $210,991.39 in the amount of $430.13. |  |  | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1646 | XX | XX | XX | XX | XX | XX | MO | 4/XX/2014 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 1364 | XX | XX | XX | XX | XX | XX | CO | 9/XX/2018 | Primary | Purchase | Non QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.00435% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $9,477.21 on a Federal Total Loan Amount of $XX vs. an allowable total of $9,463.48 (an overage of $13.73 or .00435%). | Federal Compliance - Check Loan Designation Match - QM: Loan is testing as a Higher Price Loan. Missing valid change of circumstance or cure for excessing points/fees charged.<br> Federal Compliance - QM Points and Fees: Missing valid change of circumstance or cure. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA ATR/QM C |
| 1152 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2014 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1601 | XX | XX | XX | XX | XX | XX | GA | 12/XX/2014 | Primary | Refinance Rate/Term | Non QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [3] Federal Compliance - Unemployment Income Documentation: Qualified Mortgage (Dodd-Frank 2014): Unemployment income documentation for two (2) years requirement not met. (XX Unemployed/Unemployment)<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 | Federal Compliance - Check Loan Designation Match - QM: Missing income documentation; loan is water falling to standard QM/ATR documentation requirements.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Missing income documentation; loan is water falling to standard QM/ATR documentation requirements.<br> Federal Compliance - QM DTI: Missing income documentation; loan is water falling to standard QM/ATR documentation requirements.<br> Federal Compliance - Unemployment Income Documentation: Missing income documentation; loan is water falling to standard QM/ATR documentation requirements. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA ATR/QM C |
| 1804 | XX | XX | XX | XX | XX | XX | NC | 11/XX/2015 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XX/02/2015)<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) With Cure: RESPA (2010): 0% tolerance violation for 802 fee with evidence of cure provided on Final HUD-1<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) With Cure: RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Appraisal Notice reflects Borrower was sent the appraisal on 10/XX/2015. the appraisal signature date is 10/XX/2015<br> Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) With Cure: HUD-1 reflects tolerance cure of $168.00<br> Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) With Cure: Sufficient cure provided at closing. | REVIEWER - GENERAL COMMENT (2021-08-06): Sufficient cure provided at closing.<br> REVIEWER - GENERAL COMMENT (2021-08-06): Sufficient cure provided at closing. | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. |  |  | - B |
| 1180 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2016 did not disclose whether the loan will have an escrow account. (Final/XX/16/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2016 did not disclose Estimated Property Costs over Year 1. (Final/XX/16/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2016 incorrectly disclosed whether the loan will have an escrow account. (Final/XX/16/2016)<br> [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $2,289.48 may be required. | Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA signed and dated 12/XX/2015<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling document was not provided<br> Federal Compliance - TRID Final Closing Disclosure Escrow Account: Page 1 other is checked yes to be escrowed. Should just be taxes and insurance.<br> Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test: Page 1 other is checked yes to be escrowed. Should just be taxes and insurance.<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: Page 1 other is checked yes. Should just be taxes and insurance.<br> Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: Loan Estimate is missing. |  | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure Escrow Account: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1392 | XX | XX | XX | XX | XX | XX | MI | 2/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2016 incorrectly disclosed whether property taxes are included in escrow. (Final/XX/03/2016) | Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: Final Closing Disclosure provided on 02/XX/2016 did not disclose whether property taxes are included in escrow. Tax Impounds - Township of $849.64 reflected in Section G of the Final Closing Disclosure. |  | Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1455 | XX | XX | XX | XX | XX | XX | MA | 1/XX/2015 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1621 | XX | XX | XX | XX | XX | XX | MO | 10/XX/2015 | Second Home | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  | - B |
| 1389 | XX | XX | XX | XX | XX | XX | KS | 11/XX/2015 | Primary | Refinance Rate/Term | Non QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [3] Federal Compliance - TRID Closing Disclosure Status Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/03/2015)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final Closing Disclosure Received Date. Unable to determine compliance with rescission timing requirements. | Federal Compliance - Check Loan Designation Match - QM: File is missing the required AUS with all pages, loan is defaulting to standard ATR/QM documentation requirements<br> Federal Compliance - QM DTI: Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - TRID Closing Disclosure Status Test: High Cost or Anti-Predatory Lending Testing impact, therefore no SOL considerations.<br> For TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR Indeterminable C |
| 1103 | XX | XX | XX | XX | XX | XX | FL | 9/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 |  |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1530 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,171.93 exceeds tolerance of $2,159.00. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan discount fee was increased from $614 to $2171.93 with not change of circumstance or cost to cure. |  | Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1430 | XX | XX | XX | XX | XX | XX | NM | 12/XX/2019 | Primary | Purchase | Non QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/18/2019)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XX)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/31/2019)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190) | Federal Compliance - Check Loan Designation Match - QM: File is missing the required AUS with all pages, loan is defaulting to standard ATR/QM documentation requirements.<br> Federal Compliance - QM DTI: File is missing the required AUS with all pages, loan is defaulting to standard ATR/QM documentation requirements.<br> Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Current employment was verified. Prior employment was verified with, paystub and W2. Missing VVOE, to verify previous employment dates.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Missing evidence the borrower received the CD, 3 days prior to closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No evidence of COC. Provide cure. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA ATR/QM C |
| 1801 | XX | XX | XX | XX | XX | XX | MI | 2/XX/2016 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Provided 12/XX/2015<br> Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: The difference is final Cd shows and aggregate adjustment on the escrows. |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1493 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2018 | Primary | Purchase | Higher Priced QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Higher Priced QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/13/2018)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 05/XX/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/XX/25/2018)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/25/2018)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,872.52 exceeds tolerance of $1,186.00 plus 10% or $1,304.60. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $631.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - Check Loan Designation Match - QM: Loan Designation is Temporary HPQM. Loan is failing QM status, due to missing AUS, unable to determine if all conditions were met.<br> Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: Contact NMLS ID not provided<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Missing evidence of CD delivery, 3 days prior to closing.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Missing evidence of a valid Change of Circumstance. No cure was provided<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Missing evidence of a valid Change of Circumstance. No cure was provided |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA ATR/QM B C |
| 1788 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  | Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. |  |  | - B |
| 1861 | XX | XX | XX | XX | XX | XX | TN | 6/XX/2014 | Second Home | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 1774 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2014 | Primary | Refinance Limited Cash-out GSE | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $108,480.37 is underdisclosed from calculated Finance Charge of $108,521.56 in the amount of $41.19. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a Subordination Recording Fee of $44 as a prepaid finances charge. |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1627 | XX | XX | XX | XX | XX | XX | TN | 6/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 1509 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/12/2015) |  |  |  |  |  | - B |
| 1381 | XX | XX | XX | XX | XX | XX | NY | 12/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $106,786.51 is underdisclosed from calculated Finance Charge of $106,914.91 in the amount of $128.40.<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the under disclosure due to the Itemization of Amount Financed does not disclose all the fee. |  | Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1520 | XX | XX | XX | XX | XX | XX | OR | 8/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2016, prior to three (3) business days from transaction date of 08/XX/2016.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 08/XX/2016). (Final/XX/10/2016)<br> [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-463.15 is less than amount of binding Lender Credit previously disclosed in the amount of $-467.00. (9300) | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: The provided Right To Cancel is an estimate. Please provide the final right to cancel document.<br> Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: File contains a CD dated 8/XX/16 (a day before closing) which is not signed, borrower default received date is 8/XX/16 and RTC signature and notary date is 8/XX/16<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: The calculated finance charge of $113,348.40 is higher than the $112,885.25.<br> Federal Compliance - TRID Lender Credit Tolerance Violation: The lender credit decreased without a valid change of circumstance. |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Lender Credit Tolerance Violation: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1463 | XX | XX | XX | XX | XX | XX | NY | 1/XX/2018 | Primary | Purchase | Non QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.61304% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $4,580.13 on a Federal Total Loan Amount of $XX vs. an allowable total of $3,802.99 (an overage of $777.14 or .61304%).<br> [3] Federal Compliance - Rental Income Documentation - 25% Method: Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XX. Lease Agreement not provided or % of gross rents used is greater than 75%. (XX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/25/2018)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/31/2018)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,360.13 exceeds tolerance of $1,198.00. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - Check Loan Designation Match - QM: Loan is missing full AUS and waterfalling to ATR/QM documentation requirements.<br> Federal Compliance - QM Points and Fees: Exceeds points and fees.<br> Federal Compliance - Rental Income Documentation - 25% Method: Loan is missing full AUS and waterfalling to ATR/QM documentation requirements.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Initial Closing Disclosure dated same as Final Closing Disclosure. Miccing Closing Disclosure issued at least 3 business days prior to consummation<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No cure provided |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA ATR/QM C |
| 1659 | XX | XX | XX | XX | XX | XX | MI | 7/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  | Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1616 | XX | XX | XX | XX | XX | XX | VA | 4/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1878 | XX | XX | XX | XX | XX | XX | SC | 12/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1771 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2000 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1684 | XX | XX | XX | XX | XX | XX | TX | 8/XX/1995 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1679 | XX | XX | XX | XX | XX | XX | MD | 1/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Maryland Counseling Disclosure Not In File: Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  | State Compliance - Maryland Counseling Disclosure Not In File: HB 1399 does not contain express provisions for assignee liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 1612 | XX | XX | XX | XX | XX | XX | WI | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1839 | XX | XX | XX | XX | XX | XX | TX | 2/XX/1999 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1591 | XX | XX | XX | XX | XX | XX | NC | 5/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1355 | XX | XX | XX | XX | XX | XX | AL | 3/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1556 | XX | XX | XX | XX | XX | XX | AL | 10/XX/2002 | Primary | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 1744 | XX | XX | XX | XX | XX | XX | TX | 9/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $99,139.81 is underdisclosed from calculated Finance Charge of $99,364.81 in the amount of $225.00. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure, due to missing itemization of amount financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1794 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1282 | XX | XX | XX | XX | XX | XX | IL | 8/XX/2003 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1660 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1541 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) |  |  |  |  |  | - B |
| 1736 | XX | XX | XX | XX | XX | XX | PA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1084 | XX | XX | XX | XX | XX | XX | IL | 5/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1098 | XX | XX | XX | XX | XX | XX | MI | 12/XX/2002 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| 1204 | XX | XX | XX | XX | XX | XX | NY | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  | - B |
| 1412 | XX | XX | XX | XX | XX | XX | MS | 6/XX/2009 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1672 | XX | XX | XX | XX | XX | XX | WA | 2/XX/2006 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1434 | XX | XX | XX | XX | XX | XX | VA | 2/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1685 | XX | XX | XX | XX | XX | XX | TX | 1/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $176,805.45 is underdisclosed from calculated Finance Charge of $177,197.08 in the amount of $391.63. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing the Itemization of Amount Financed |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1623 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1581 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2006 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 1769 | XX | XX | XX | XX | XX | XX | NY | 10/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1380 | XX | XX | XX | XX | XX | XX | VA | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1516 | XX | XX | XX | XX | XX | XX | MA | 7/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $159,604.52 is underdisclosed from calculated Finance Charge of $159,710.59 in the amount of $106.07. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a $76 assignment recording fee or $30 courier fee as prepaid finance charges |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1117 | XX | XX | XX | XX | XX | XX | NV | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1186 | XX | XX | XX | XX | XX | XX | TN | 2/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $160,715.17 is underdisclosed from calculated Finance Charge of $162,155.19 in the amount of $1,440.02. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1298 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1505 | XX | XX | XX | XX | XX | XX | NJ | 2/XX/2013 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1583 | XX | XX | XX | XX | XX | XX | TN | 10/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1746 | XX | XX | XX | XX | XX | XX | FL | 6/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1444 | XX | XX | XX | XX | XX | XX | MO | 4/XX/2007 | UTD | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1335 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2002 | Investment | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1620 | XX | XX | XX | XX | XX | XX | NV | 1/XX/2014 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1344 | XX | XX | XX | XX | XX | XX | OH | 11/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1074 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1151 | XX | XX | XX | XX | XX | XX | WI | 6/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1407 | XX | XX | XX | XX | XX | XX | TN | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| 1555 | XX | XX | XX | XX | XX | XX | HI | 2/XX/2008 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Yes | TR HUD Deficiency |
| 1678 | XX | XX | XX | XX | XX | XX | GA | 6/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1798 | XX | XX | XX | XX | XX | XX | MI | 5/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1454 | XX | XX | XX | XX | XX | XX | MN | 5/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Assignee liability is unclear. Purchasers and assignees of Minnesota mortgage loans would not appear to be liable for violations of the Act. However, effective 8/XX/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. |  |  | - B |
| 1442 | XX | XX | XX | XX | XX | XX | MA | 8/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1253 | XX | XX | XX | XX | XX | XX | NY | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1527 | XX | XX | XX | XX | XX | XX | NC | 5/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $194,875.26 is underdisclosed from calculated Finance Charge of $195,273.52 in the amount of $398.26. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to the missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1304 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1575 | XX | XX | XX | XX | XX | XX | IN | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1251 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $362,777.80 is underdisclosed from calculated Finance Charge of $363,108.84 in the amount of $331.04.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a courier fee of $4.11, document signing fee of $325, and flood cert life of loan fee of $2.00 as prepaid finance charges. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): TILA ROR Form - The Third Circuit has prior rulings that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form. Creditors are required to use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | Yes | TR Indeterminable (UAL State) D |
| 1471 | XX | XX | XX | XX | XX | XX | IN | 10/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1698 | XX | XX | XX | XX | XX | XX | PA | 10/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1261 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1456 | XX | XX | XX | XX | XX | XX | LA | 3/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Federal HPML 2009 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 4.20932% or Final Disclosure APR of 4.24200% is in excess of allowable threshold of APOR 2.72% + 1.5%, or 4.22000%. Non-Compliant Higher Priced Mortgage Loan.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Federal HPML 2009 Non Compliant: TILA HPML - Subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1244 | XX | XX | XX | XX | XX | XX | MI | 11/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1245 | XX | XX | XX | XX | XX | XX | WI | 5/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - B |
| 1485 | XX | XX | XX | XX | XX | XX | GA | 12/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1566 | XX | XX | XX | XX | XX | XX | GA | 11/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  | - B |
| 1536 | XX | XX | XX | XX | XX | XX | GA | 9/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1258 | XX | XX | XX | XX | XX | XX | AZ | 12/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1597 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1203 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1663 | XX | XX | XX | XX | XX | XX | TN | 6/XX/2001 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1876 | XX | XX | XX | XX | XX | XX | AL | 6/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1064 | XX | XX | XX | XX | XX | XX | GA | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1406 | XX | XX | XX | XX | XX | XX | NY | 9/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1306 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1480 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1806 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1191 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $129,355.76 is underdisclosed from calculated Finance Charge of $129,608.27 in the amount of $252.51.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information): Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1809 | XX | XX | XX | XX | XX | XX | CO | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1118 | XX | XX | XX | XX | XX | XX | GA | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $82,996.28 is underdisclosed from calculated Finance Charge of $83,074.85 in the amount of $78.57. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Lenders Final TIL represents 60 monthly payments of MI. Whereas audited finance charge reflects 62 monthly payments of MI and a fall-off after approximately 78% LTV. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1585 | XX | XX | XX | XX | XX | XX | MD | 12/XX/2000 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $209,753.89 is underdisclosed from calculated Finance Charge of $209,900.96 in the amount of $147.07. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Fees are under disclosed and fees match the HUD. Unable to verify the reason for the under disclosure due to missing Itemization of Amount Financed |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1693 | XX | XX | XX | XX | XX | XX | WA | 7/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided): Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided): The Act does not appear to provide for assignee liability. |  |  | - B |
| 1665 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $193,094.57 is underdisclosed from calculated Finance Charge of $193,197.23 in the amount of $102.66. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization of Amount Financed did not disclose a Settlement fee of $102.78 as a prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1695 | XX | XX | XX | XX | XX | XX | MI | 3/XX/2009 | Investment | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1475 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2003 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1765 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2012 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1757 | XX | XX | XX | XX | XX | XX | IL | 7/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1633 | XX | XX | XX | XX | XX | XX | SC | 7/XX/2004 | Second Home | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1060 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1511 | XX | XX | XX | XX | XX | XX | TN | 2/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $200,520.51 is underdisclosed from calculated Finance Charge of $202,251.74 in the amount of $1,731.23. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure, due to missing itemization of amount financed. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1743 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1375 | XX | XX | XX | XX | XX | XX | AK | 12/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1648 | XX | XX | XX | XX | XX | XX | OH | 2/XX/2004 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | TNR Testing Not Required D |
| 1783 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1383 | XX | XX | XX | XX | XX | XX | NY | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1701 | XX | XX | XX | XX | XX | XX | WA | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1613 | XX | XX | XX | XX | XX | XX | IL | 3/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1068 | XX | XX | XX | XX | XX | XX | VA | 8/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $564,135.97 is underdisclosed from calculated Finance Charge of $564,226.13 in the amount of $90.16.<br> [2] State Compliance - Virginia Prepayment Penalty: Virginia Prepayment Penalty: Maximum calculated prepay of $11,220.00 exceeds the state maximum for owner-occupied properties of 2% of the prepaid balance $8,160.00. Prepay language states prepay will not exceed maximum permitted by applicable law. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to verify the reason for the under disclosure due to missing itemization. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1099 | XX | XX | XX | XX | XX | XX | NY | 12/XX/2005 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1476 | XX | XX | XX | XX | XX | XX | MT | 8/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1170 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $432,912.90 is underdisclosed from calculated Finance Charge of $433,203.01 in the amount of $290.11. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose $250 settlement fee, $10 assignment recording fee, $10 subordination recording fee or $20 courier fee as prepaid finance charge |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1391 | XX | XX | XX | XX | XX | XX | GA | 10/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1506 | XX | XX | XX | XX | XX | XX | VA | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1544 | XX | XX | XX | XX | XX | XX | NC | 3/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1707 | XX | XX | XX | XX | XX | XX | MI | 6/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1356 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2003 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1758 | XX | XX | XX | XX | XX | XX | GA | 11/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1346 | XX | XX | XX | XX | XX | XX | MD | 8/XX/2006 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1630 | XX | XX | XX | XX | XX | XX | MD | 7/XX/2006 | Investment | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1086 | XX | XX | XX | XX | XX | XX | AL | 1/XX/1995 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1283 | XX | XX | XX | XX | XX | XX | IL | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1827 | XX | XX | XX | XX | XX | XX | IN | 6/XX/1999 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1596 | XX | XX | XX | XX | XX | XX | FL | 1/XX/2001 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1374 | XX | XX | XX | XX | XX | XX | OR | 4/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $309,112.85 is underdisclosed from calculated Finance Charge of $309,177.09 in the amount of $64.24.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization only disclosed origination charges in the amount of $3,003.88 and final HUD reflects<br> $3,067.88. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1276 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1687 | XX | XX | XX | XX | XX | XX | MI | 7/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $91,499.39 is underdisclosed from calculated Finance Charge of $91,919.04 in the amount of $419.65. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure, due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1816 | XX | XX | XX | XX | XX | XX | NC | 10/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1791 | XX | XX | XX | XX | XX | XX | PA | 3/XX/2001 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1354 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2005 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1462 | XX | XX | XX | XX | XX | XX | PA | 1/XX/2000 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1499 | XX | XX | XX | XX | XX | XX | IL | 10/XX/2003 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1196 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. |  |  | Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 1246 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): TILA ROR Form - The Third Circuit has prior rulings that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form. Creditors are required to use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1451 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2003 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1365 | XX | XX | XX | XX | XX | XX | MN | 10/XX/2013 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1069 | XX | XX | XX | XX | XX | XX | VA | 10/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1105 | XX | XX | XX | XX | XX | XX | MA | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1599 | XX | XX | XX | XX | XX | XX | PA | 11/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1756 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1589 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1361 | XX | XX | XX | XX | XX | XX | NC | 9/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1185 | XX | XX | XX | XX | XX | XX | FL | 9/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1497 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2003 | Investment | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1649 | XX | XX | XX | XX | XX | XX | VA | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Yes | TR HUD Deficiency |
| 1235 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1869 | XX | XX | XX | XX | XX | XX | PA | 7/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1755 | XX | XX | XX | XX | XX | XX | AZ | 5/XX/2008 | Investment | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1071 | XX | XX | XX | XX | XX | XX | AL | 10/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1590 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1445 | XX | XX | XX | XX | XX | XX | TN | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $467,825.61 is underdisclosed from calculated Finance Charge of $467,966.33 in the amount of $140.72. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1092 | XX | XX | XX | XX | XX | XX | SC | 12/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1644 | XX | XX | XX | XX | XX | XX | NJ | 9/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): TILA ROR Form - The Third Circuit has prior rulings that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form. Creditors are required to use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1650 | XX | XX | XX | XX | XX | XX | OK | 12/XX/2006 | Second Home | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1198 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1161 | XX | XX | XX | XX | XX | XX | VA | 12/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1846 | XX | XX | XX | XX | XX | XX | AZ | 2/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1175 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1488 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1231 | XX | XX | XX | XX | XX | XX | IL | 3/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1104 | XX | XX | XX | XX | XX | XX | PA | 4/XX/2004 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1079 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| 1067 | XX | XX | XX | XX | XX | XX | LA | 9/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1472 | XX | XX | XX | XX | XX | XX | IL | 3/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 1753 | XX | XX | XX | XX | XX | XX | PA | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $59,559.07 is underdisclosed from calculated Finance Charge of $59,889.09 in the amount of $330.02.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the reason for the under disclosure due to the itemization of amount financed prepaid charges and HUD 1 fees match. Appears to be fee related |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1072 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2007 | Second Home | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1639 | XX | XX | XX | XX | XX | XX | LA | 7/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1437 | XX | XX | XX | XX | XX | XX | NC | 5/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1409 | XX | XX | XX | XX | XX | XX | OH | 5/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1213 | XX | XX | XX | XX | XX | XX | IL | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1366 | XX | XX | XX | XX | XX | XX | MD | 7/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Maryland Counseling Disclosure Not Compliant: Maryland HB1399 - Counseling disclosure not compliant per Maryland HB 1399.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $345,481.78 is underdisclosed from calculated Finance Charge of $345,831.52 in the amount of $349.74. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose the $350 title service charge fee as prepaid finance charges. |  | State Compliance - Maryland Counseling Disclosure Not Compliant: HB 1399 does not contain express provisions for assignee liability.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1582 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1417 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1535 | XX | XX | XX | XX | XX | XX | WA | 10/XX/2006 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| 1683 | XX | XX | XX | XX | XX | XX | TX | 1/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - B |
| 1284 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1113 | XX | XX | XX | XX | XX | XX | PA | 11/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1521 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1199 | XX | XX | XX | XX | XX | XX | OH | 2/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1563 | XX | XX | XX | XX | XX | XX | GA | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  | - B |
| 1718 | XX | XX | XX | XX | XX | XX | NY | 8/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $89,092.33 is underdisclosed from calculated Finance Charge of $89,157.33 in the amount of $65.00. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose $50.00 Recording Service Fee or $15.00 Service Charges as Prepaid Finance Charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1453 | XX | XX | XX | XX | XX | XX | AZ | 6/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1642 | XX | XX | XX | XX | XX | XX | MI | 11/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1651 | XX | XX | XX | XX | XX | XX | NC | 2/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1529 | XX | XX | XX | XX | XX | XX | IL | 9/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1692 | XX | XX | XX | XX | XX | XX | OH | 5/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1193 | XX | XX | XX | XX | XX | XX | OH | 6/XX/2004 | UTD | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1310 | XX | XX | XX | XX | XX | XX | LA | 12/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1150 | XX | XX | XX | XX | XX | XX | WI | 4/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1853 | XX | XX | XX | XX | XX | XX | TX | 9/XX/1998 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/1998 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1641 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $114,633.18 is underdisclosed from calculated Finance Charge of $114,981.31 in the amount of $348.13. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization of Amount Financed does not include the $400 Escrow fee in the Prepaid Finance Charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1729 | XX | XX | XX | XX | XX | XX | KS | 10/XX/2002 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1278 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2008 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1739 | XX | XX | XX | XX | XX | XX | WA | 9/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1702 | XX | XX | XX | XX | XX | XX | MI | 5/XX/1999 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/1999 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1460 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1250 | XX | XX | XX | XX | XX | XX | AL | 1/XX/2008 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1837 | XX | XX | XX | XX | XX | XX | AZ | 7/XX/2002 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR HUD Deficiency |
| 1628 | XX | XX | XX | XX | XX | XX | NC | 11/XX/2006 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR Indeterminable D |
| 1142 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1531 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1296 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1401 | XX | XX | XX | XX | XX | XX | RI | 11/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1490 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1312 | XX | XX | XX | XX | XX | XX | AL | 5/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1109 | XX | XX | XX | XX | XX | XX | LA | 4/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1353 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 1618 | XX | XX | XX | XX | XX | XX | MO | 2/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1440 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1153 | XX | XX | XX | XX | XX | XX | OH | 7/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1572 | XX | XX | XX | XX | XX | XX | AL | 10/XX/2006 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR Indeterminable D |
| 1622 | XX | XX | XX | XX | XX | XX | MO | 8/XX/2005 | Primary | Refinance Cash-out - Home Improvement |  | 1 |  |  |  |  |  |  | - A |
| 1403 | XX | XX | XX | XX | XX | XX | NJ | 11/XX/2011 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - 2011 TIL-MDIA - Interest Rate Inaccurate: Truth in Lending Act (MDIA 2011): Interest rate on the Final TIL does not match interest rate for the loan. |  |  | Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - 2011 TIL-MDIA - Interest Rate Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1348 | XX | XX | XX | XX | XX | XX | NC | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1327 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1656 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1377 | XX | XX | XX | XX | XX | XX | MD | 11/XX/2013 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1172 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2013 | Investment | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1221 | XX | XX | XX | XX | XX | XX | CT | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  | - B |
| 1494 | XX | XX | XX | XX | XX | XX | UT | 11/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1495 | XX | XX | XX | XX | XX | XX | MN | 1/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation.<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor.<br> [2] State Compliance - Minnesota Tangible Net Benefit Test: Minnesota Residential Mortgage Originator and Servicer Licensing Act: Unable to determine if mortgage loan provides a tangible net benefit to the borrower due to missing prior loan information.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $132,463.00 is underdisclosed from calculated Finance Charge of $133,148.88 in the amount of $685.88.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure appears to be payment stream related, due to MI calculation. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Assignee liability is unclear. Purchasers and assignees of Minnesota mortgage loans would not appear to be liable for violations of the Act. However, effective 8/XX/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected.<br>Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1808 | XX | XX | XX | XX | XX | XX | TX | 4/XX/1995 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/1995 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1076 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1302 | XX | XX | XX | XX | XX | XX | AL | 7/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1331 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $257,283.70 is underdisclosed from calculated Finance Charge of $258,443.67 in the amount of $1,159.97. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. Appears to be fee related |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1164 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2001 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1775 | XX | XX | XX | XX | XX | XX | FL | 2/XX/2004 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1709 | XX | XX | XX | XX | XX | XX | CO | 6/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Assignee Liability: For a transaction involving a security interest in land, any action that may be brought against the original creditor may be maintained against any subsequent assignee where the assignee, its subsidiaries, or affiliates were in a continuing business relationship with the original creditor either at the time the credit was extended or at the time of the assignment unless the assignment was involuntary or the assignee shows by a preponderance of evidence that it did not have reasonable grounds to believe that the original creditor was engaged in violations of the code and that it maintained procedures reasonably adapted to apprise it of the existence of the violations. |  |  | - B |
| 1239 | XX | XX | XX | XX | XX | XX | NH | 10/XX/2013 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: Application is dated 7/XX/2013 and the only evidence this disclosure was provided is dated 7/XX/2013. |  | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1183 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2006 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1565 | XX | XX | XX | XX | XX | XX | MO | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  | - B |
| 1767 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: Unable to determine if loan file contains CHARM Booklet due to missing information.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1515 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1598 | XX | XX | XX | XX | XX | XX | MI | 8/XX/2013 | Primary | Purchase |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1450 | XX | XX | XX | XX | XX | XX | NV | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  | - B |
| 1887 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2003 | Second Home | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1602 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2006 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1820 | XX | XX | XX | XX | XX | XX | NC | 9/XX/2003 | Second Home | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1373 | XX | XX | XX | XX | XX | XX | KY | 4/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1473 | XX | XX | XX | XX | XX | XX | FL | 9/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1557 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1818 | XX | XX | XX | XX | XX | XX | OH | 12/XX/2002 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR HUD Deficiency |
| 1859 | XX | XX | XX | XX | XX | XX | LA | 7/XX/2003 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1316 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1369 | XX | XX | XX | XX | XX | XX | ME | 3/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1238 | XX | XX | XX | XX | XX | XX | IN | 2/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1230 | XX | XX | XX | XX | XX | XX | MO | 7/XX/1999 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 9.70300% is underdisclosed from calculated APR of 11.32268% outside of 0.250% tolerance.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $39,230.49 is underdisclosed from calculated Finance Charge of $43,201.63 in the amount of $3,971.14.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Final TIL itemization does not reflect PMI.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Payment stream under disclosure is due to lender's TIL not reflecting MI. Fee portion of under disclosure is due to TIL itemization not reflecting MI reserves of $91.50 and Courier fee of $25 as prepaid finance charges. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1420 | XX | XX | XX | XX | XX | XX | TN | 1/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1782 | XX | XX | XX | XX | XX | XX | KS | 12/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1825 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2001 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1686 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1714 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1752 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2000 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2000 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1330 | XX | XX | XX | XX | XX | XX | TN | 3/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1512 | XX | XX | XX | XX | XX | XX | NJ | 12/XX/1998 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1998 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 1385 | XX | XX | XX | XX | XX | XX | CT | 10/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1543 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2013 | Primary | Purchase |  | 2 | [2] Federal Compliance - Federal HPML 2009 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.76526% or Final Disclosure APR of 5.81800% is in excess of allowable threshold of APOR 4.00% + 1.5%, or 5.50000%. Compliant Higher Priced Mortgage Loan.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - Federal HPML 2009 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1655 | XX | XX | XX | XX | XX | XX | FL | 6/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1177 | XX | XX | XX | XX | XX | XX | MI | 10/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| 1518 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1458 | XX | XX | XX | XX | XX | XX | MO | 8/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1611 | XX | XX | XX | XX | XX | XX | KS | 10/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1608 | XX | XX | XX | XX | XX | XX | TN | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 1664 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1593 | XX | XX | XX | XX | XX | XX | VA | 5/XX/2007 | Investment | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - B |
| 1182 | XX | XX | XX | XX | XX | XX | NY | 7/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1379 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1477 | XX | XX | XX | XX | XX | XX | VA | 7/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1567 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1211 | XX | XX | XX | XX | XX | XX | NJ | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1300 | XX | XX | XX | XX | XX | XX | TN | 9/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1088 | XX | XX | XX | XX | XX | XX | AR | 5/XX/2006 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1114 | XX | XX | XX | XX | XX | XX | FL | 1/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1624 | XX | XX | XX | XX | XX | XX | VA | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 1248 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $488,965.09 is underdisclosed from calculated Finance Charge of $489,114.92 in the amount of $149.83. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose correct Prepaid Interest. HUD states $191.80 and Itemization lists $47.95. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1288 | XX | XX | XX | XX | XX | XX | MD | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1594 | XX | XX | XX | XX | XX | XX | NH | 1/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1688 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1540 | XX | XX | XX | XX | XX | XX | UT | 1/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1787 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1469 | XX | XX | XX | XX | XX | XX | NJ | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1523 | XX | XX | XX | XX | XX | XX | MO | 7/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1095 | XX | XX | XX | XX | XX | XX | AL | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1085 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2006 | Second Home | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1081 | XX | XX | XX | XX | XX | XX | AL | 7/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $438,704.12 is underdisclosed from calculated Finance Charge of $438,951.54 in the amount of $247.42. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an Attorneys fee of $212.50, a recording service fee of $25 and a service charge of $50 as prepaid finance charges. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1131 | XX | XX | XX | XX | XX | XX | WI | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1097 | XX | XX | XX | XX | XX | XX | TX | 9/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1345 | XX | XX | XX | XX | XX | XX | MI | 8/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1240 | XX | XX | XX | XX | XX | XX | LA | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $152,241.70 is underdisclosed from calculated Finance Charge of $152,321.86 in the amount of $80.16. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1760 | XX | XX | XX | XX | XX | XX | TX | 9/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1792 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR Indeterminable D |
| 1560 | XX | XX | XX | XX | XX | XX | PA | 7/XX/2006 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1588 | XX | XX | XX | XX | XX | XX | MO | 8/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1797 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1600 | XX | XX | XX | XX | XX | XX | KS | 12/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1604 | XX | XX | XX | XX | XX | XX | KY | 2/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1732 | XX | XX | XX | XX | XX | XX | VA | 2/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1315 | XX | XX | XX | XX | XX | XX | VA | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1764 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1464 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1336 | XX | XX | XX | XX | XX | XX | VA | 5/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1711 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $250,381.01 is underdisclosed from calculated Finance Charge of $250,512.75 in the amount of $131.74. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure, due to missing itemization of amount financed. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1647 | XX | XX | XX | XX | XX | XX | MA | 4/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1576 | XX | XX | XX | XX | XX | XX | MO | 12/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1863 | XX | XX | XX | XX | XX | XX | VA | 5/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1384 | XX | XX | XX | XX | XX | XX | MA | 11/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1734 | XX | XX | XX | XX | XX | XX | GA | 1/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1424 | XX | XX | XX | XX | XX | XX | NY | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1339 | XX | XX | XX | XX | XX | XX | MA | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  |  | - B |
| 1553 | XX | XX | XX | XX | XX | XX | PA | 2/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1677 | XX | XX | XX | XX | XX | XX | UT | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1884 | XX | XX | XX | XX | XX | XX | NY | 10/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $192,705.73 is underdisclosed from calculated Finance Charge of $193,035.74 in the amount of $330.01. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an application fee of $275 or a courier fee of $55 as prepaid finance charges. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1634 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2007 | Second Home | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 1167 | XX | XX | XX | XX | XX | XX | MI | 11/XX/2004 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 1202 | XX | XX | XX | XX | XX | XX | KS | 6/XX/2005 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1171 | XX | XX | XX | XX | XX | XX | NY | 4/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1570 | XX | XX | XX | XX | XX | XX | WI | 1/XX/2011 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1703 | XX | XX | XX | XX | XX | XX | PA | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1507 | XX | XX | XX | XX | XX | XX | MA | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1101 | XX | XX | XX | XX | XX | XX | NJ | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1159 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1273 | XX | XX | XX | XX | XX | XX | NJ | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $204,145.12 is underdisclosed from calculated Finance Charge of $204,470.89 in the amount of $325.77. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1465 | XX | XX | XX | XX | XX | XX | MD | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1776 | XX | XX | XX | XX | XX | XX | UT | 5/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $312,134.53 is underdisclosed from calculated Finance Charge of $312,224.36 in the amount of $89.83. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The itemization of amount financed did not include the closing fee of $75 and courier fee of $15 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1370 | XX | XX | XX | XX | XX | XX | AL | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $152,957.81 is underdisclosed from calculated Finance Charge of $153,248.98 in the amount of $291.17.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an Underwriting fee of $595 as prepaid finance charge. TIL Itemization did disclose a Document Preparation fee of $340.80 and the Final HUD did not. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1573 | XX | XX | XX | XX | XX | XX | HI | 4/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1829 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2004 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1532 | XX | XX | XX | XX | XX | XX | IL | 8/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1479 | XX | XX | XX | XX | XX | XX | IN | 10/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1297 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1395 | XX | XX | XX | XX | XX | XX | TN | 10/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1428 | XX | XX | XX | XX | XX | XX | MA | 4/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1717 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1727 | XX | XX | XX | XX | XX | XX | OH | 3/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $103,954.05 is underdisclosed from calculated Finance Charge of $104,271.27 in the amount of $317.22. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure, due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1106 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1537 | XX | XX | XX | XX | XX | XX | MO | 9/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1676 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2008 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1334 | XX | XX | XX | XX | XX | XX | OH | 7/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1342 | XX | XX | XX | XX | XX | XX | CT | 6/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 3.87300% is underdisclosed from calculated APR of 4.24521% outside of 0.250% tolerance.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $70,676.93 is underdisclosed from calculated Finance Charge of $79,314.65 in the amount of $8,637.72. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Rate lock agreement indicates the Index used was 1.369%. The closest Index available in our look-back period is 1.8138%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1447 | XX | XX | XX | XX | XX | XX | VA | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1657 | XX | XX | XX | XX | XX | XX | OK | 4/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1308 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2011 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $130,040.47 is underdisclosed from calculated Finance Charge of $130,662.07 in the amount of $621.60. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization only disclosed origination charges in the amount of $1115.64 and final HUD reflects $1737.40 |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1704 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2008 | Primary | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 1340 | XX | XX | XX | XX | XX | XX | IL | 3/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1089 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1546 | XX | XX | XX | XX | XX | XX | NJ | 2/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $198,665.53 is underdisclosed from calculated Finance Charge of $199,273.49 in the amount of $607.96. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose $525.00 Attorney Fee, $38.00 Courier Fee, $15.00 Wire Fee & $30.00 NOS Fee as prepaid Finance Charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1082 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1524 | XX | XX | XX | XX | XX | XX | DC | 10/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. |  |  | Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 1321 | XX | XX | XX | XX | XX | XX | IL | 8/XX/2009 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1580 | XX | XX | XX | XX | XX | XX | SC | 8/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1735 | XX | XX | XX | XX | XX | XX | WA | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1441 | XX | XX | XX | XX | XX | XX | SC | 4/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1102 | XX | XX | XX | XX | XX | XX | PA | 4/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1328 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1504 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2006 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1148 | XX | XX | XX | XX | XX | XX | WV | 7/XX/2005 | Primary | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] State Compliance - West Virginia Residential Mortgage Lender, Broker, and Servicer Act - CLTV Greater than 100%: Unable to determine LTV/CLTV due to missing information.<br> [2] State Compliance - West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees): West Virginia Residential Mortgage Lender, Broker and Servicer Act: No evidence in file to support that the borrower was charged the actual amounts for all third party fees. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - West Virginia Residential Mortgage Lender, Broker, and Servicer Act - CLTV Greater than 100%: Assignee Liability: 31-17-17 provides that any loan made in willful violation of the statute may be declared void by a court of competent jurisdiction. Loans in violation are subject to action by borrower seeking damages, reasonable attorney fees and costs. For originators, knowing violations is grounds for suspension or revocation of license as well as penalties and fines.<br>State Compliance - West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees): Assignee Liability: 31-17-17 provides that any loan made in willful violation of the statute may be declared void by a court of competent jurisdiction. Loans in violation are subject to action by borrower seeking damages, reasonable attorney fees and costs. For originators, knowing violations is grounds for suspension or revocation of license as well as penalties and fines. |  | UTD | Indeterminable D |
| 1759 | XX | XX | XX | XX | XX | XX | TN | 11/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1386 | XX | XX | XX | XX | XX | XX | PA | 3/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1773 | XX | XX | XX | XX | XX | XX | TX | 2/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1607 | XX | XX | XX | XX | XX | XX | NC | 9/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $294,522.70 is underdisclosed from calculated Finance Charge of $294,558.84 in the amount of $36.14. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization does not reflect verification fee of $16 and reflects courier fee of $50 and audit reflects courier fee of $25.00 as prepaid finance charges. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1508 | XX | XX | XX | XX | XX | XX | FL | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $118,581.96 is underdisclosed from calculated Finance Charge of $118,666.77 in the amount of $84.81. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a courier fee of $55 or a warehousing fee of $30 as prepaid finance charges. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1376 | XX | XX | XX | XX | XX | XX | SC | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] State Compliance - South Carolina Home Loan (No Tangible Net Benefit): South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>State Compliance - South Carolina Home Loan (No Tangible Net Benefit): Assignee Liability: The Act provides that the making of a consumer home loan or a high cost home loan that violates the home loan or high cost provisions is a violation of the law and the borrower has a right in action, other than a class action, to recover from the lender or party charged with the violation. It appears that assignees and purchasers would be subject to this liability. Damages can include actual damages, and a penalty of not less than $1,500 and not more than $7,500 for each loan transaction. Class actions are prohibited. A court may refuse to enforce an agreement that violates the Act. Costs and attorney fees may also be awarded. |  |  | - B |
| 1640 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1592 | XX | XX | XX | XX | XX | XX | IL | 3/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1722 | XX | XX | XX | XX | XX | XX | NH | 3/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1360 | XX | XX | XX | XX | XX | XX | GA | 1/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1813 | XX | XX | XX | XX | XX | XX | WA | 5/XX/2005 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | TNR Testing Not Required D |
| 1234 | XX | XX | XX | XX | XX | XX | NJ | 9/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1119 | XX | XX | XX | XX | XX | XX | PA | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1522 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1132 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1552 | XX | XX | XX | XX | XX | XX | NV | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1260 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1156 | XX | XX | XX | XX | XX | XX | CT | 7/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $256,704.40 is underdisclosed from calculated Finance Charge of $256,777.09 in the amount of $72.69. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1432 | XX | XX | XX | XX | XX | XX | OH | 11/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1411 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1157 | XX | XX | XX | XX | XX | XX | TN | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1184 | XX | XX | XX | XX | XX | XX | AL | 10/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1484 | XX | XX | XX | XX | XX | XX | LA | 11/XX/2012 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  | Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1586 | XX | XX | XX | XX | XX | XX | AK | 11/XX/2001 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1062 | XX | XX | XX | XX | XX | XX | IL | 5/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $264,618.28 is underdisclosed from calculated Finance Charge of $264,777.52 in the amount of $159.24. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure, due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1400 | XX | XX | XX | XX | XX | XX | MD | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1268 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $221,034.14 is underdisclosed from calculated Finance Charge of $221,091.36 in the amount of $57.22. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a closing protection letter fee of $35 or a courier fee of $30 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1122 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2008 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1214 | XX | XX | XX | XX | XX | XX | IL | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1559 | XX | XX | XX | XX | XX | XX | KS | 2/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1063 | XX | XX | XX | XX | XX | XX | LA | 11/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - B |
| 1065 | XX | XX | XX | XX | XX | XX | OH | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s).<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  | State Compliance - Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - B |
| 1423 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1470 | XX | XX | XX | XX | XX | XX | MA | 9/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 1564 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1595 | XX | XX | XX | XX | XX | XX | MI | 2/XX/2006 | Primary | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 1550 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1610 | XX | XX | XX | XX | XX | XX | NH | 3/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1452 | XX | XX | XX | XX | XX | XX | NY | 11/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1394 | XX | XX | XX | XX | XX | XX | MA | 8/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1136 | XX | XX | XX | XX | XX | XX | MI | 7/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1449 | XX | XX | XX | XX | XX | XX | GA | 6/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1319 | XX | XX | XX | XX | XX | XX | IN | 5/XX/2002 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1333 | XX | XX | XX | XX | XX | XX | TN | 1/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1554 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1408 | XX | XX | XX | XX | XX | XX | MI | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1144 | XX | XX | XX | XX | XX | XX | CT | 10/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1324 | XX | XX | XX | XX | XX | XX | VA | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1094 | XX | XX | XX | XX | XX | XX | MI | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1378 | XX | XX | XX | XX | XX | XX | NY | 3/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1123 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1835 | XX | XX | XX | XX | XX | XX | PA | 11/XX/2009 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $60,709.28 is underdisclosed from calculated Finance Charge of $60,934.20 in the amount of $224.92. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an application fee of $150 or a closing protection letter fee of $75 as prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1227 | XX | XX | XX | XX | XX | XX | VA | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1558 | XX | XX | XX | XX | XX | XX | MN | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1270 | XX | XX | XX | XX | XX | XX | MS | 7/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1402 | XX | XX | XX | XX | XX | XX | VA | 4/XX/2005 | UTD | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [2] State Compliance - Virginia Tangible Net Benefit Test: Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - Virginia Tangible Net Benefit Test: The secondary market purchase of a loan does not trigger coverage of the statute." |  |  | - B |
| 1491 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  | Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1141 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1770 | XX | XX | XX | XX | XX | XX | TN | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1690 | XX | XX | XX | XX | XX | XX | CT | 8/XX/2004 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $64,407.85 is underdisclosed from calculated Finance Charge of $64,782.99 in the amount of $375.14. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the under disclosure due to missing the itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1263 | XX | XX | XX | XX | XX | XX | NC | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1083 | XX | XX | XX | XX | XX | XX | AL | 1/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1562 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2008 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1603 | XX | XX | XX | XX | XX | XX | NY | 7/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1368 | XX | XX | XX | XX | XX | XX | MI | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1433 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2007 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or initialed by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR HUD Deficiency |
| 1351 | XX | XX | XX | XX | XX | XX | VA | 12/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |  |  | - B |
| 1128 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1115 | XX | XX | XX | XX | XX | XX | TX | 2/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1446 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | Yes | TR HUD Deficiency |
| 1066 | XX | XX | XX | XX | XX | XX | MD | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1724 | XX | XX | XX | XX | XX | XX | CT | 6/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $331,184.66 is underdisclosed from calculated Finance Charge of $331,686.85 in the amount of $502.19. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1661 | XX | XX | XX | XX | XX | XX | KS | 6/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1137 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1275 | XX | XX | XX | XX | XX | XX | NY | 7/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1817 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1249 | XX | XX | XX | XX | XX | XX | LA | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $95,463.87 is underdisclosed from calculated Finance Charge of $96,493.25 in the amount of $1,029.38. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. There is a Seller credit on page one of HUD for $3950 which is not itemized therefore excluded. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1399 | XX | XX | XX | XX | XX | XX | NC | 8/XX/2006 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1579 | XX | XX | XX | XX | XX | XX | MA | 9/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  |  | - B |
| 1293 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1243 | XX | XX | XX | XX | XX | XX | RI | 11/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1179 | XX | XX | XX | XX | XX | XX | OH | 10/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.<br> [2] State Compliance - Ohio CSPA Tangible Net Benefit Test: Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - B |
| 1466 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2003 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1393 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2007 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1500 | XX | XX | XX | XX | XX | XX | SC | 8/XX/2001 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2001, prior to three (3) business days from transaction date of 08/XX/2001. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1700 | XX | XX | XX | XX | XX | XX | CO | 11/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1091 | XX | XX | XX | XX | XX | XX | AR | 3/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1218 | XX | XX | XX | XX | XX | XX | GA | 9/XX/2005 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 09/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1568 | XX | XX | XX | XX | XX | XX | PA | 8/XX/2012 | Primary | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2012 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 1267 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1201 | XX | XX | XX | XX | XX | XX | IN | 10/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1139 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1668 | XX | XX | XX | XX | XX | XX | MI | 6/XX/1995 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 9.55300% is underdisclosed from calculated APR of 9.99744% outside of 0.125% tolerance.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $111,608.96 is underdisclosed from calculated Finance Charge of $113,124.40 in the amount of $1,515.44. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The Lender's TIL reflects MI dropping off after 117 months, however, the audited TIL indicates MI should drop off after 170 months. |  | Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1777 | XX | XX | XX | XX | XX | XX | OK | 10/XX/2001 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 1840 | XX | XX | XX | XX | XX | XX | CO | 10/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1873 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1436 | XX | XX | XX | XX | XX | XX | IL | 10/XX/2002 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1629 | XX | XX | XX | XX | XX | XX | MO | 1/XX/2003 | Investment | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1874 | XX | XX | XX | XX | XX | XX | FL | 1/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1850 | XX | XX | XX | XX | XX | XX | MA | 3/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1431 | XX | XX | XX | XX | XX | XX | NC | 7/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1723 | XX | XX | XX | XX | XX | XX | OH | 4/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1849 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $162,967.33 is underdisclosed from calculated Finance Charge of $163,024.11 in the amount of $56.78.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a flood cert fee of $20 or a wire fee of $25 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1705 | XX | XX | XX | XX | XX | XX | NC | 4/XX/2003 | Primary | Refinance Rate/Term |  | 3 | [3] State Compliance - North Carolina CHL Tangible Net Benefit Test: North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $166,807.63 is underdisclosed from calculated Finance Charge of $166,867.50 in the amount of $59.87. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose wire fees $20, ,email fees $30, as prepaid charges, however, final HUD reflects such |  | State Compliance - North Carolina CHL Tangible Net Benefit Test: Assignee liability is unclear. A holder of the loan may be exposed to the consequences if the loan is deemed usurious, resulting in forfeiture of all interest and return of twice the interest paid, or if the violation constitutes a deceptive act or practice, subjecting the holder to treble damages, but not both.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | State - NC |
| 1795 | XX | XX | XX | XX | XX | XX | MO | 7/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 1534 | XX | XX | XX | XX | XX | XX | NC | 10/XX/2003 | Primary | Refinance Rate/Term |  | 3 | [3] State Compliance - North Carolina CHL Tangible Net Benefit Test: North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | State Compliance - North Carolina CHL Tangible Net Benefit Test: Assignee liability is unclear. A holder of the loan may be exposed to the consequences if the loan is deemed usurious, resulting in forfeiture of all interest and return of twice the interest paid, or if the violation constitutes a deceptive act or practice, subjecting the holder to treble damages, but not both. |  |  | State - NC |
| 1635 | XX | XX | XX | XX | XX | XX | PA | 2/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1855 | XX | XX | XX | XX | XX | XX | TX | 1/XX/2004 | Investment | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1740 | XX | XX | XX | XX | XX | XX | MI | 1/XX/2004 | Investment | Purchase |  | 2 | [2] Federal Compliance - Disparity in Occupancy - Not High Cost and Not Higher Priced: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment).<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1517 | XX | XX | XX | XX | XX | XX | CT | 1/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1831 | XX | XX | XX | XX | XX | XX | MA | 12/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  | - B |
| 1285 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1609 | XX | XX | XX | XX | XX | XX | RI | 3/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1747 | XX | XX | XX | XX | XX | XX | TX | 4/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1124 | XX | XX | XX | XX | XX | XX | PA | 4/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1883 | XX | XX | XX | XX | XX | XX | MA | 5/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1309 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1749 | XX | XX | XX | XX | XX | XX | WA | 3/XX/2006 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $107,053.38 is underdisclosed from calculated Finance Charge of $107,163.47 in the amount of $110.09. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization did not disclose the courier fee of$22.22 and wire fee of $30 as prepaid finance charges. Remaining difference is due to PMI payments |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1487 | XX | XX | XX | XX | XX | XX | LA | 4/XX/2006 | Investment | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1397 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - New Jersey Prepayment Penalty: New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1075 | XX | XX | XX | XX | XX | XX | AL | 12/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1147 | XX | XX | XX | XX | XX | XX | DE | 8/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1501 | XX | XX | XX | XX | XX | XX | GA | 11/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1061 | XX | XX | XX | XX | XX | XX | CT | 9/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 1763 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 1317 | XX | XX | XX | XX | XX | XX | NV | 11/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1129 | XX | XX | XX | XX | XX | XX | DE | 11/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1326 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1341 | XX | XX | XX | XX | XX | XX | TX | 1/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1349 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1280 | XX | XX | XX | XX | XX | XX | OK | 12/XX/2006 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1358 | XX | XX | XX | XX | XX | XX | MA | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1708 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1259 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2007 | Investment | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1538 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1295 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1217 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1209 | XX | XX | XX | XX | XX | XX | WI | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1149 | XX | XX | XX | XX | XX | XX | OH | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1673 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1305 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): TILA ROR Form - The Third Circuit has prior rulings that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form. Creditors are required to use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | Yes | TR HUD Deficiency (UAL State) |
| 1492 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2007 | Second Home | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1314 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1247 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1503 | XX | XX | XX | XX | XX | XX | WI | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1237 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1388 | XX | XX | XX | XX | XX | XX | NC | 9/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1549 | XX | XX | XX | XX | XX | XX | WI | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $172,404.87 is underdisclosed from calculated Finance Charge of $172,470.43 in the amount of $65.56. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose the subordination fee of $265 as a prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1680 | XX | XX | XX | XX | XX | XX | ID | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. |  |  | State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): The Residential Mortgage Practices Act does not appear to provide for assignee liability. |  |  | - B |
| 1726 | XX | XX | XX | XX | XX | XX | TN | 12/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1833 | XX | XX | XX | XX | XX | XX | TX | 1/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1498 | XX | XX | XX | XX | XX | XX | AZ | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1290 | XX | XX | XX | XX | XX | XX | CT | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1174 | XX | XX | XX | XX | XX | XX | MD | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1232 | XX | XX | XX | XX | XX | XX | NV | 9/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 1457 | XX | XX | XX | XX | XX | XX | NM | 10/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1078 | XX | XX | XX | XX | XX | XX | LA | 1/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1200 | XX | XX | XX | XX | XX | XX | FL | 1/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1143 | XX | XX | XX | XX | XX | XX | DE | 2/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $302,603.96 is underdisclosed from calculated Finance Charge of $302,749.53 in the amount of $145.57. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1325 | XX | XX | XX | XX | XX | XX | MA | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  |  | - B |
| 1390 | XX | XX | XX | XX | XX | XX | IL | 12/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1194 | XX | XX | XX | XX | XX | XX | FL | 1/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1188 | XX | XX | XX | XX | XX | XX | WI | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1836 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1856 | XX | XX | XX | XX | XX | XX | TX | 3/XX/2008 | Investment | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1539 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1478 | XX | XX | XX | XX | XX | XX | VA | 8/XX/2008 | Investment | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1832 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2008 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| 1571 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1643 | XX | XX | XX | XX | XX | XX | FL | 1/XX/2009 | Primary | Purchase |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2009 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1320 | XX | XX | XX | XX | XX | XX | VA | 5/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1429 | XX | XX | XX | XX | XX | XX | NC | 4/XX/2009 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  | - B |
| 1682 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2009 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1486 | XX | XX | XX | XX | XX | XX | HI | 4/XX/2009 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1781 | XX | XX | XX | XX | XX | XX | NY | 1/XX/2009 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1822 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2009 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1751 | XX | XX | XX | XX | XX | XX | TX | 4/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1854 | XX | XX | XX | XX | XX | XX | AL | 4/XX/2009 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1866 | XX | XX | XX | XX | XX | XX | TX | 9/XX/2009 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  | Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1697 | XX | XX | XX | XX | XX | XX | WA | 10/XX/2009 | Primary | Purchase |  | 2 | [2] State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided): Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. |  |  | State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided): The Act does not appear to provide for assignee liability. |  |  | - B |
| 1745 | XX | XX | XX | XX | XX | XX | CT | 5/XX/2009 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1713 | XX | XX | XX | XX | XX | XX | MA | 7/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1872 | XX | XX | XX | XX | XX | XX | WA | 11/XX/2009 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1357 | XX | XX | XX | XX | XX | XX | SC | 9/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] State Compliance - South Carolina Home Loan (No Tangible Net Benefit): South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>State Compliance - South Carolina Home Loan (No Tangible Net Benefit): Assignee Liability: The Act provides that the making of a consumer home loan or a high cost home loan that violates the home loan or high cost provisions is a violation of the law and the borrower has a right in action, other than a class action, to recover from the lender or party charged with the violation. It appears that assignees and purchasers would be subject to this liability. Damages can include actual damages, and a penalty of not less than $1,500 and not more than $7,500 for each loan transaction. Class actions are prohibited. A court may refuse to enforce an agreement that violates the Act. Costs and attorney fees may also be awarded. |  |  | - B |
| 1858 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1526 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2010 | Investment | Refinance Cash-out - Home Improvement |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | No | TNR Testing Not Required D |
| 1653 | XX | XX | XX | XX | XX | XX | NJ | 7/XX/2009 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1862 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2009 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1807 | XX | XX | XX | XX | XX | XX | MS | 10/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1812 | XX | XX | XX | XX | XX | XX | CO | 1/XX/2010 | Second Home | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1439 | XX | XX | XX | XX | XX | XX | TN | 12/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  | - B |
| 1461 | XX | XX | XX | XX | XX | XX | PA | 2/XX/2010 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1631 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2010 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1169 | XX | XX | XX | XX | XX | XX | MD | 3/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  | State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Assignee liability is unclear.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1799 | XX | XX | XX | XX | XX | XX | IN | 4/XX/2010 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1299 | XX | XX | XX | XX | XX | XX | IN | 2/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2010 used as disbursement date for compliance testing.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $124,687.74 is underdisclosed from calculated Finance Charge of $124,787.74 in the amount of $100.00.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2010, prior to three (3) business days from transaction date of 02/XX/2010. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose $100.00 Subordination Recording Fee as a prepaid finance charge. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1696 | XX | XX | XX | XX | XX | XX | OH | 3/XX/2010 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1241 | XX | XX | XX | XX | XX | XX | AL | 11/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2010, prior to three (3) business days from transaction date of 11/XX/2010. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1371 | XX | XX | XX | XX | XX | XX | WA | 7/XX/2010 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1885 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1519 | XX | XX | XX | XX | XX | XX | CT | 9/XX/2010 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1542 | XX | XX | XX | XX | XX | XX | WA | 10/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided): Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. |  |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided): The Act does not appear to provide for assignee liability. |  |  | - B |
| 1830 | XX | XX | XX | XX | XX | XX | NY | 11/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. |  |  | Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1396 | XX | XX | XX | XX | XX | XX | OR | 10/XX/2010 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1338 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal HPML 2009 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.76184% or Final Disclosure APR of 5.78900% is in excess of allowable threshold of APOR 4.26% + 1.5%, or 5.76000%. Non-Compliant Higher Priced Mortgage Loan.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - Federal HPML 2009 Non Compliant: TILA HPML - Subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1881 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2010 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $81,534.77 is underdisclosed from calculated Finance Charge of $81,609.76 in the amount of $74.99. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose an Appraisal Waiver Fee of $75 as a prepaid finance charge. |  | Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1372 | XX | XX | XX | XX | XX | XX | NJ | 11/XX/2010 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1784 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2011 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1332 | XX | XX | XX | XX | XX | XX | MD | 11/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.<br> [2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: Borrower's ability to repay not verified with reliable documentation. |  |  | State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Assignee liability is unclear.<br>State Compliance - Maryland Ability to Repay Not Verified: No express provisions for assignee liability |  |  | - B |
| 1805 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2010 | Second Home | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $82,721.36 is underdisclosed from calculated Finance Charge of $83,033.97 in the amount of $312.61.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1857 | XX | XX | XX | XX | XX | XX | MA | 12/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1681 | XX | XX | XX | XX | XX | XX | PA | 4/XX/2011 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1800 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2011 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1426 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2011 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $234,180.00 is underdisclosed from calculated Finance Charge of $234,290.14 in the amount of $110.14.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TiL underdisclosure due to subordination recording fee in the amount of $110 not disclosed as prepaid items. |  | Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1779 | XX | XX | XX | XX | XX | XX | TX | 2/XX/2011 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1425 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2011 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1181 | XX | XX | XX | XX | XX | XX | NY | 3/XX/2011 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1489 | XX | XX | XX | XX | XX | XX | MD | 2/XX/2011 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Maryland Counseling Disclosure Not In File: Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.<br> [2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.<br> [2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | State Compliance - Maryland Counseling Disclosure Not In File: HB 1399 does not contain express provisions for assignee liability.<br>State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Assignee liability is unclear.<br>State Compliance - Maryland Ability to Repay Not Verified: No express provisions for assignee liability<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1712 | XX | XX | XX | XX | XX | XX | OH | 3/XX/2011 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - B |
| 1785 | XX | XX | XX | XX | XX | XX | OR | 8/XX/2011 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) With Cure: RESPA (2010): 0% tolerance violation for 802 fee with evidence of cure provided on Final HUD-1<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) With Cure: RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1748 | XX | XX | XX | XX | XX | XX | IA | 7/XX/2011 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1877 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2011 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $69,432.26 is underdisclosed from calculated Finance Charge of $69,503.71 in the amount of $71.45. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization disclosed settlement fee of $564 as a prepaid finance charge, but the settlement fee per the final HUD is $400. Prepaid interest pre TIL Itemization is $10.06 and per final HUD is a lender credit of $130.78. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1826 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2011 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1615 | XX | XX | XX | XX | XX | XX | SC | 11/XX/2011 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | - B |
| 1733 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2011 | Second Home | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1824 | XX | XX | XX | XX | XX | XX | VA | 11/XX/2011 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1121 | XX | XX | XX | XX | XX | XX | GA | 2/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1605 | XX | XX | XX | XX | XX | XX | NJ | 12/XX/2011 | Primary | Purchase |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1669 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $246,636.09 is underdisclosed from calculated Finance Charge of $247,015.86 in the amount of $379.77. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose the sub escrow fee of $250 as a prepaid finance charge. |  | Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1737 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2011 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1636 | XX | XX | XX | XX | XX | XX | MA | 5/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1674 | XX | XX | XX | XX | XX | XX | NY | 6/XX/2012 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1821 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1419 | XX | XX | XX | XX | XX | XX | GA | 7/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  | - B |
| 1352 | XX | XX | XX | XX | XX | XX | NJ | 2/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 1666 | XX | XX | XX | XX | XX | XX | MA | 11/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $164,053.91 is underdisclosed from calculated Finance Charge of $164,128.86 in the amount of $74.95. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a subordination recording of $75.00 as a prepaid finance charge. |  | Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1852 | XX | XX | XX | XX | XX | XX | IL | 3/XX/2013 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1638 | XX | XX | XX | XX | XX | XX | WA | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $208,457.11 is underdisclosed from calculated Finance Charge of $208,541.75 in the amount of $84.64. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization does not reflect tax fee of $84.71 as a prepaid finance charge |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1525 | XX | XX | XX | XX | XX | XX | NJ | 2/XX/2013 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1140 | XX | XX | XX | XX | XX | XX | AL | 1/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1778 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1810 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. |  |  | Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1416 | XX | XX | XX | XX | XX | XX | NC | 6/XX/2013 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1410 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2013 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1803 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. |  |  | Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 1632 | XX | XX | XX | XX | XX | XX | LA | 8/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  | Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |  |  | - B |
| 1689 | XX | XX | XX | XX | XX | XX | MA | 9/XX/2013 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1528 | XX | XX | XX | XX | XX | XX | GA | 8/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1879 | XX | XX | XX | XX | XX | XX | AL | 10/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  | Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 1868 | XX | XX | XX | XX | XX | XX | NY | 11/XX/2013 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1828 | XX | XX | XX | XX | XX | XX | OK | 9/XX/2009 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.<br> [2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1815 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2014 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1173 | XX | XX | XX | XX | XX | XX | SC | 3/XX/2010 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1413 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1652 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1662 | XX | XX | XX | XX | XX | XX | GA | 10/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1584 | XX | XX | XX | XX | XX | XX | IL | 4/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1865 | XX | XX | XX | XX | XX | XX | TX | 1/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information): Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1715 | XX | XX | XX | XX | XX | XX | FL | 6/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1574 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1762 | XX | XX | XX | XX | XX | XX | NJ | 11/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1146 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1269 | XX | XX | XX | XX | XX | XX | NY | 6/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1834 | XX | XX | XX | XX | XX | XX | AR | 4/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1272 | XX | XX | XX | XX | XX | XX | IL | 2/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1404 | XX | XX | XX | XX | XX | XX | MD | 8/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1614 | XX | XX | XX | XX | XX | XX | OH | 3/XX/2005 | Primary | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 1841 | XX | XX | XX | XX | XX | XX | LA | 7/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1814 | XX | XX | XX | XX | XX | XX | TN | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1848 | XX | XX | XX | XX | XX | XX | AZ | 12/XX/2002 | UTD | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1886 | XX | XX | XX | XX | XX | XX | NC | 10/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1741 | XX | XX | XX | XX | XX | XX | SC | 5/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1875 | XX | XX | XX | XX | XX | XX | OR | 12/XX/1998 | UTD | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1998 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1667 | XX | XX | XX | XX | XX | XX | OH | 5/XX/1999 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1870 | XX | XX | XX | XX | XX | XX | OK | 1/XX/1998 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/1998 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1742 | XX | XX | XX | XX | XX | XX | TX | 1/XX/2009 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1706 | XX | XX | XX | XX | XX | XX | SC | 10/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1205 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1577 | XX | XX | XX | XX | XX | XX | MD | 7/XX/2009 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.<br> [2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Assignee liability is unclear.<br>State Compliance - Maryland Ability to Repay Not Verified: No express provisions for assignee liability<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1252 | XX | XX | XX | XX | XX | XX | NJ | 7/XX/1994 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1994 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1994 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1786 | XX | XX | XX | XX | XX | XX | TX | 8/XX/1997 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/1997.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1843 | XX | XX | XX | XX | XX | XX | TX | 7/XX/1996 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1725 | XX | XX | XX | XX | XX | XX | IN | 11/XX/1998 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1847 | XX | XX | XX | XX | XX | XX | VA | 5/XX/1998 | UTD | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/1998 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1731 | XX | XX | XX | XX | XX | XX | NY | 6/XX/1998 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1096 | XX | XX | XX | XX | XX | XX | NY | 8/XX/1999 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| 1187 | XX | XX | XX | XX | XX | XX | OR | 7/XX/2001 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $203,060.27 is underdisclosed from calculated Finance Charge of $203,351.43 in the amount of $291.16.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose the service charge fee of $100, the recording service fee of $26, the settlement fee of $150 and the courier fee of $15 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1844 | XX | XX | XX | XX | XX | XX | NV | 9/XX/2001 | Investment | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1168 | XX | XX | XX | XX | XX | XX | OH | 12/XX/2001 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2001.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1474 | XX | XX | XX | XX | XX | XX | GA | 1/XX/2002 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2002 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1222 | XX | XX | XX | XX | XX | XX | IN | 8/XX/2002 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1728 | XX | XX | XX | XX | XX | XX | FL | 9/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1421 | XX | XX | XX | XX | XX | XX | PA | 9/XX/2002 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1254 | XX | XX | XX | XX | XX | XX | OH | 9/XX/2001 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1637 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2002 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1864 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2002 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1766 | XX | XX | XX | XX | XX | XX | SC | 1/XX/2003 | Second Home | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1087 | XX | XX | XX | XX | XX | XX | MS | 2/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1842 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2002 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1867 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2003 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | TNR Testing Not Required D |
| 1343 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1415 | XX | XX | XX | XX | XX | XX | MA | 7/XX/2003 | Primary | Purchase |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1819 | XX | XX | XX | XX | XX | XX | CT | 7/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1882 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2003 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2003, prior to three (3) business days from transaction date of 08/XX/2003. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR HUD Deficiency |
| 1851 | XX | XX | XX | XX | XX | XX | MN | 8/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $128,115.93 is underdisclosed from calculated Finance Charge of $128,230.48 in the amount of $114.55. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Finance charges are under disclosed by $114.55 due to the title courier fee of $75 and the recording service fee of $40 not being included as prepaid finance charges per the itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1225 | XX | XX | XX | XX | XX | XX | OK | 11/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1291 | XX | XX | XX | XX | XX | XX | TN | 10/XX/2003 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 1496 | XX | XX | XX | XX | XX | XX | DE | 7/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1158 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2004 | Primary | Purchase |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1838 | XX | XX | XX | XX | XX | XX | DC | 4/XX/2004 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1382 | XX | XX | XX | XX | XX | XX | OH | 2/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 1287 | XX | XX | XX | XX | XX | XX | NY | 2/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1796 | XX | XX | XX | XX | XX | XX | NH | 7/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $202,897.07 is underdisclosed from calculated Finance Charge of $203,016.93 in the amount of $119.86. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The TIL itemization did not disclose a rundown fee of $85 or wire fee of $35 as prepaid finance charges. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1362 | XX | XX | XX | XX | XX | XX | IL | 5/XX/2004 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1468 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1670 | XX | XX | XX | XX | XX | XX | MN | 8/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1645 | XX | XX | XX | XX | XX | XX | NJ | 9/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1323 | XX | XX | XX | XX | XX | XX | NC | 8/XX/2004 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. |  |  |  |  |  | - B |
| 1110 | XX | XX | XX | XX | XX | XX | OK | 12/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1226 | XX | XX | XX | XX | XX | XX | MN | 10/XX/2004 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1481 | XX | XX | XX | XX | XX | XX | NJ | 12/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $309,237.89 is underdisclosed from calculated Finance Charge of $315,425.73 in the amount of $6,187.84. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing instructions indicate the index used at origination was 2.480%. The closest index available within the look-back period is 2.610%. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1730 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1277 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Yes | TR HUD Deficiency (UAL State) |
| 1548 | XX | XX | XX | XX | XX | XX | MO | 6/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1721 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1311 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2005 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $190,860.09 is underdisclosed from calculated Finance Charge of $193,839.95 in the amount of $2,979.86.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Final TIL isn't using the P&I from the note in the calculated figures. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR Indeterminable D |
| 1112 | XX | XX | XX | XX | XX | XX | PA | 4/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1262 | XX | XX | XX | XX | XX | XX | NJ | 7/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1545 | XX | XX | XX | XX | XX | XX | IL | 7/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - B |
| 1216 | XX | XX | XX | XX | XX | XX | PA | 8/XX/2005 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1322 | XX | XX | XX | XX | XX | XX | VA | 10/XX/2005 | Investment | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1155 | XX | XX | XX | XX | XX | XX | MA | 11/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1210 | XX | XX | XX | XX | XX | XX | OH | 1/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1077 | XX | XX | XX | XX | XX | XX | GA | 2/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1318 | XX | XX | XX | XX | XX | XX | VA | 1/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1513 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2006 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1265 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1350 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2006 | Second Home | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1710 | XX | XX | XX | XX | XX | XX | IN | 4/XX/2006 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $84,124.75 is underdisclosed from calculated Finance Charge of $84,240.66 in the amount of $115.91. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1127 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1303 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1387 | XX | XX | XX | XX | XX | XX | MD | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1236 | XX | XX | XX | XX | XX | XX | IA | 7/XX/2006 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1551 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Yes | TR HUD Deficiency (UAL State) |
| 1811 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1626 | XX | XX | XX | XX | XX | XX | IL | 9/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of 12.50000%. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1459 | XX | XX | XX | XX | XX | XX | MD | 7/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1107 | XX | XX | XX | XX | XX | XX | NJ | 9/XX/2006 | Investment | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 1418 | XX | XX | XX | XX | XX | XX | PA | 9/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  | - B |
| 1719 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1569 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2006 | Second Home | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1427 | XX | XX | XX | XX | XX | XX | MN | 1/XX/2007 | Investment | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1178 | XX | XX | XX | XX | XX | XX | MA | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $259,268.69 is underdisclosed from calculated Finance Charge of $259,995.50 in the amount of $726.81. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure, due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1111 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2007 | Investment | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Disparity in Occupancy - Not High Cost and Not Higher Priced: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). |  |  |  |  |  | - B |
| 1617 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  | - B |
| 1347 | XX | XX | XX | XX | XX | XX | IL | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1780 | XX | XX | XX | XX | XX | XX | NC | 3/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] State Compliance - North Carolina CHL Tangible Net Benefit Test: North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - North Carolina First Lien Late Charge Percent Testing: North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | State Compliance - North Carolina CHL Tangible Net Benefit Test: Assignee liability is unclear. A holder of the loan may be exposed to the consequences if the loan is deemed usurious, resulting in forfeiture of all interest and return of twice the interest paid, or if the violation constitutes a deceptive act or practice, subjecting the holder to treble damages, but not both.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | State - NC |
| 1090 | XX | XX | XX | XX | XX | XX | NY | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1438 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1281 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1790 | XX | XX | XX | XX | XX | XX | OR | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1208 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 1215 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1547 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1467 | XX | XX | XX | XX | XX | XX | NV | 7/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 1073 | XX | XX | XX | XX | XX | XX | AL | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1510 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $84,703.05 is underdisclosed from calculated Finance Charge of $84,887.22 in the amount of $184.17. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1176 | XX | XX | XX | XX | XX | XX | LA | 8/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1561 | XX | XX | XX | XX | XX | XX | NY | 9/XX/2007 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1675 | XX | XX | XX | XX | XX | XX | SC | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $214,153.07 is underdisclosed from calculated Finance Charge of $214,260.80 in the amount of $107.73. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose the tax service fee of $69, the flood cert. of $8.50 or the courier fee of $30 as prepaid finance charges. |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1229 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2007 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1195 | XX | XX | XX | XX | XX | XX | NV | 11/XX/2007 | Primary | Purchase |  | 2 | [2] State Compliance - Nevada Home Loan (Ability to Repay not Verified): Nevada Home Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | State Compliance - Nevada Home Loan (Ability to Repay not Verified): Assignees and purchasers would qualify as "lenders" subject to the Act. Damages consist of three times the borrower's actual damages, plus costs and reasonable attorney's fees. In addition, borrower has a defense against the unpaid obligation of the home loan to the extent of any amount awarded by a court pursuant to the treble damages provision, and a court may cure default and cancel any pending foreclosure sale. However, the Act contains unique assignee protections, effectively allowing a blameless assignee to force the person from whom the loan was acquired to repurchase the loan and pay costs and damages costs if the lender did not originate the home loan or willfully engage in any unfair lending practice in connection with the home loan.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1145 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1448 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1120 | XX | XX | XX | XX | XX | XX | RI | 12/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed): Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed.<br> [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided Timely): Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided within three (3) days of application.<br> [3] State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis.<br> [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed): Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed.<br> [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided Timely): Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided within three (3) business days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided Timely): RI Application Disclosure provided 12/XX/07 and the initial application was provided 11/XX/07<br> State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided Timely): RI Application Disclosure provided 12/XX/07 and the initial application was provided 11/XX/07 |  | State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided Timely): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided Timely): "Assignee Liability: A borrower may bring a claim against an assignee or subsequent holder of a high cost home loan under two separate provisions of the Act. The rights conferred on borrowers by these two provisions are independent of each other and do not limit each other. <br> (1) Any person who purchases or is otherwise assigned a high cost home loan will be subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor. Significantly, this liability does not appear to be independently capped or subject to any limitations periods. Further, class actions appear to be permitted. <br> (2) A borrower may also assert against any subsequent holder or assignee of a high cost home loan any claims that the borrower could assert against the original creditor. Any such claims must be brought only in an individual capacity and are limited to amounts required to reduce or extinguish the borrower's liability under the high cost home loan plus costs, including reasonable attorneys' fees.<br> Effective June 20, 2007, HB 5485 and SB 371 revise the liability provisions to create one single cause of action against assignees. As revised, any person who purchases or is otherwise assigned a high cost home loan will continue to be subject to all affirmative claims and any defenses that the borrower could assert against the original creditor. Any such claims must be brought only in an individual capacity and are limited to amounts required to reduce or extinguish the borrower's liability under the high cost home loan plus costs, including reasonable attorneys' fees. Any such claim may be asserted by a borrower acting only in an individual capacity and must be asserted as follows: (a) Within five years of the closing of a high cost home loan, if the claim is an original action relating to a violation of the Act; and (b) With respect to any defense, claim, counterclaim, or action to enjoin foreclosure or preserve or obtain possession of the home that secures the loan, at any time during the term of the high cost home loan, after an action to collect on the high cost home loan or foreclose on the collateral securing the high cost home loan has been initiated or the debt arising from the high cost home loan has been accelerated or the high cost home loan has become sixty days in default."<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | State - NC |
| 1138 | XX | XX | XX | XX | XX | XX | IL | 12/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1286 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1166 | XX | XX | XX | XX | XX | XX | MA | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1307 | XX | XX | XX | XX | XX | XX | NC | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007. |  |  |  |  |  | - B |
| 1871 | XX | XX | XX | XX | XX | XX | MD | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Maryland Prepayment Penalty Test: Maryland Prepayment Penalty: Loan prepay term of 60 months exceeds state maximum of 36 months. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1242 | XX | XX | XX | XX | XX | XX | LA | 4/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1619 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1802 | XX | XX | XX | XX | XX | XX | FL | 2/XX/2009 | Second Home | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1363 | XX | XX | XX | XX | XX | XX | SC | 2/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2009, prior to three (3) business days from transaction date of 02/XX/2009.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1754 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2009 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1880 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2002.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1823 | XX | XX | XX | XX | XX | XX | LA | 6/XX/2008 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1606 | XX | XX | XX | XX | XX | XX | MA | 7/XX/2008 | Investment | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1264 | XX | XX | XX | XX | XX | XX | KY | 12/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1329 | XX | XX | XX | XX | XX | XX | VA | 4/XX/2010 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1125 | XX | XX | XX | XX | XX | XX | AL | 7/XX/2011 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  | Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1768 | XX | XX | XX | XX | XX | XX | FL | 8/XX/2011 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1671 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 1654 | XX | XX | XX | XX | XX | XX | IN | 4/XX/2013 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1279 | XX | XX | XX | XX | XX | XX | OH | 10/XX/2013 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s).<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  | State Compliance - Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1502 | XX | XX | XX | XX | XX | XX | MI | 12/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |  |  | - B |
| 1070 | XX | XX | XX | XX | XX | XX | CT | 3/XX/2003 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1093 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1772 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL signed by all required parties is blank<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL signed by all required parties is blank: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1720 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1658 | XX | XX | XX | XX | XX | XX | MD | 6/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1160 | XX | XX | XX | XX | XX | XX | NY | 10/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1578 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1738 | XX | XX | XX | XX | XX | XX | NV | 4/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1256 | XX | XX | XX | XX | XX | XX | NJ | 8/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $220,557.95 is underdisclosed from calculated Finance Charge of $235,477.66 in the amount of $14,919.71. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is in the payments. Unable to determine the index used by lender; however the lowest index available for our look back period is 2.1938%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1207 | XX | XX | XX | XX | XX | XX | NY | 10/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1130 | XX | XX | XX | XX | XX | XX | FL | 2/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1190 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  | - B |
| 1699 | XX | XX | XX | XX | XX | XX | MD | 11/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1257 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1271 | XX | XX | XX | XX | XX | XX | NJ | 7/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1154 | XX | XX | XX | XX | XX | XX | OH | 4/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1135 | XX | XX | XX | XX | XX | XX | AL | 6/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $241,703.87 is underdisclosed from calculated Finance Charge of $243,758.45 in the amount of $2,054.58. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Lender Index. Lowest Index available in the look back period is 3.7025%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1212 | XX | XX | XX | XX | XX | XX | NC | 7/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1422 | XX | XX | XX | XX | XX | XX | TN | 8/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1162 | XX | XX | XX | XX | XX | XX | OH | 9/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $139,372.56 is underdisclosed from calculated Finance Charge of $142,746.03 in the amount of $3,373.47. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The lowest Index available in our look-back period is 3.9588%. It appears a lower index was used at time of closing |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1133 | XX | XX | XX | XX | XX | XX | OH | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $171,354.39 is underdisclosed from calculated Finance Charge of $171,444.24 in the amount of $89.85. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose Courier Fee of $65.00 or Wire Fee of $25.00 as Prepaid Finance Charge. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1116 | XX | XX | XX | XX | XX | XX | MD | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1359 | XX | XX | XX | XX | XX | XX | MD | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1845 | XX | XX | XX | XX | XX | XX | MT | 2/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1134 | XX | XX | XX | XX | XX | XX | PA | 3/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1292 | XX | XX | XX | XX | XX | XX | AL | 5/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1625 | XX | XX | XX | XX | XX | XX | TX | 3/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1266 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  | - B |
| 1189 | XX | XX | XX | XX | XX | XX | IL | 8/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1860 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1313 | XX | XX | XX | XX | XX | XX | NJ | 7/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1126 | XX | XX | XX | XX | XX | XX | GA | 10/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1165 | XX | XX | XX | XX | XX | XX | NJ | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  | - B |
| 1398 | XX | XX | XX | XX | XX | XX | SC | 11/XX/2006 | Second Home | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disparity in Occupancy - Not High Cost: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home)<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1100 | XX | XX | XX | XX | XX | XX | PA | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1228 | XX | XX | XX | XX | XX | XX | CT | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1197 | XX | XX | XX | XX | XX | XX | CT | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  | - B |
| 1301 | XX | XX | XX | XX | XX | XX | NV | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1414 | XX | XX | XX | XX | XX | XX | MD | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1080 | XX | XX | XX | XX | XX | XX | GA | 9/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1163 | XX | XX | XX | XX | XX | XX | VA | 12/XX/2007 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1223 | XX | XX | XX | XX | XX | XX | NJ | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1435 | XX | XX | XX | XX | XX | XX | KY | 3/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1337 | XX | XX | XX | XX | XX | XX | VA | 7/XX/2009 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1220 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1901 | XX | XX | XX | XX | XX | XX | MA | 4/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2665 | XX | XX | XX | XX | XX | XX | LA | 3/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [2] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XX/07/2016) | Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Copy of ECOA was provided - signed and dated 3/XX/2016<br> Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Loan closed 3/XX/2016. Originator was not licensed until 5/XX/20<br> Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: LO was not licensed at time of closing (3/XX/2016). Per NMLS, originator was not licensed until 05/XX/2020<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Homeownership Counseling document not provided<br> Federal Compliance - TRID Loan Estimate Timing: Loan originated 1/XX/16 per initial 1003. LE were not sent until 3/XX/16. LEs were not mailed within 3 business days of origination. |  | Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: "Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation."<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2150 | XX | XX | XX | XX | XX | XX | MD | 7/XX/2014 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] State Compliance - Maryland Property Insurance (Property Insurance Exceeds Replacement Value): Maryland HB649: Property insurance exceeds the replacement value of the property. |  |  | State Compliance - Maryland Property Insurance (Property Insurance Exceeds Replacement Value): HB 1447 does not contain express provisions for assignee liability. |  |  | - B |
| 2458 | XX | XX | XX | XX | XX | XX | OH | 4/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $35,969.30 is underdisclosed from calculated Finance Charge of $36,575.76 in the amount of $606.46. |  |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2252 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2014, prior to three (3) business days from transaction date of 04/XX/2014.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | Miscellaneous Compliance - (Doc Error) Initial GFE not provided: GFE not in the loan file. |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2186 | XX | XX | XX | XX | XX | XX | WV | 11/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero percent fee tolerance exceeded; however, sufficient cure was provided at closing. | REVIEWER - CURED COMMENT (2020-12-19): Sufficient Cure Provided At Closing |  |  |  | - B |
| 2825 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2017 | Primary | Refinance Cash-out - Debt Consolidation | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,714.50 exceeds tolerance of $520.00. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Missing Valid COC and no evidence of cure provided |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2540 | XX | XX | XX | XX | XX | XX | IA | 10/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2834 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2017 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/07/2017)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/16/2017) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: The file failed to contain evidence that a Closing Disclosure was provided to the Borrower a minimum of 3 business days prior to closing |  | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1906 | XX | XX | XX | XX | XX | XX | MA | 10/XX/2014 | Primary | Refinance Limited Cash-out GSE | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  |  |  |  | - B |
| 2342 | XX | XX | XX | XX | XX | XX | FL | 9/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $87,892.71 is underdisclosed from calculated Finance Charge of $87,931.49 in the amount of $38.78. | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: The final GFE disclosed box 8 Transfer Taxes in the amount of $508.01, but Transfer Taxes disclosed on the final HUD1 equal $509.41 with a $1.40 cure disclosed.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: The Finance Charge disclosed on the final TIL was underdisclosed in the amount of $38.60. |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2062 | XX | XX | XX | XX | XX | XX | PA | 9/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: A final GFE provided to the Borrower with correct loan terms is missing.<br> Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: A final GFE provided to the Borrower with correct loan terms is missing.<br> Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: A final GFE provided to the Borrower with correct loan terms is missing.<br> Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: A final GFE provided to the Borrower with correct loan terms is missing. |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2495 | XX | XX | XX | XX | XX | XX | IN | 11/XX/2015 | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | Federal Compliance - Check Loan Designation Match - QM: Loan is missing Asset documents and waterfalling to ATR/QM documentation requirements.<br> Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: GFE dated 8/XX/15. This estimate for all other settlement charges available through 8/XX/2015. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA ATR/QM B C |
| 2134 | XX | XX | XX | XX | XX | XX | MD | 10/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] State Compliance - Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely): Maryland Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within ten (10) business days of application or three (3) business days prior to closing.<br> [2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 | State Compliance - Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely): The Escrow disclosure in the loan file was not provided to the borrower within 10 days of the application date. The disclosure in file is dated 10/XX/2015. |  | State Compliance - Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely): Assignee liability is unclear.<br>State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Assignee liability is unclear.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. |  | - B |
| 2280 | XX | XX | XX | XX | XX | XX | GA | 9/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years. |  | - B |
| 2027 | XX | XX | XX | XX | XX | XX | NY | 8/XX/2018 | Primary | Purchase | Non QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.55600% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $16,882.20 on a Federal Total Loan Amount of $XX vs. an allowable total of $14,242.56 (an overage of $2,639.64 or .55600%).<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/31/2018)<br> [2] Federal Compliance - Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing: FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lenders Attorney Fee. Fee Amount of $950.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77108)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,370.00 exceeds tolerance of $3,910.00. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,187.20 exceeds tolerance of $2,707.00. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - Check Loan Designation Match - QM: Due to Points and Fees<br> Federal Compliance - QM Points and Fees: Points and Fees on subject loan of 3.55600% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $16,882.20 on a Federal Total Loan Amount of $XX vs. an allowable total of $14,242.56 (an overage of $2,639.64 or .55600%).<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Provide proof appraisal was delivered to borrower 3 business days prior to loan consummation.<br> Federal Compliance - Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing: Provide proof disclosure was received by borrower. Copy in file dated 5/XX/2018 has no signature.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: $950.00 fee was not disclosed on LE and only on final Closing Disclosure. Missing Valid COC and no evidence of cure provided<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Due to Seller CD paid Transfer Tax fee of $2,560.00. No evidence of cure provided<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Missing Valid COC for Loan Amount increase that will increase points. No evidence of cure provided. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing: Liability for violations cannot be transferred to a subsequent purchaser of a loan.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA ATR/QM C |
| 2431 | XX | XX | XX | XX | XX | XX | KY | 9/XX/2014 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: Days before settlement not provided.: GFE Date: 08/XX/2014<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: Original principal, interest, & MI payment is blank.: GFE Date: 08/XX/2014<br> [2] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: Unable to determine if the Final GFE reflects the actual payment due to missing information. | Miscellaneous Compliance - (Doc Error) GFE Error: Days before settlement not provided.: GFE';s Final is Illegible.<br> Gfe's dated 8/19 and 9/17 have been redacted and are illegible. \*\*\*<br> Miscellaneous Compliance - (Doc Error) GFE Error: Original principal, interest, & MI payment is blank.: GFE';s Final is Illegible.<br> Gfe's dated 8/19 and 9/17 have been redacted and are illegible. \*\*\* |  | Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2840 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $367,082.43 is underdisclosed from calculated Finance Charge of $367,324.27 in the amount of $241.84. |  |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2871 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2229 | XX | XX | XX | XX | XX | XX | SC | 9/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $2,282.03 may be required. | Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure<br> Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $2,282.03 may be required. |  | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2427 | XX | XX | XX | XX | XX | XX | MS | 2/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 1913 | XX | XX | XX | XX | XX | XX | ME | 5/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $44.59 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Point Fee of $44.59 was not disclosed on Loan Estimate. Insufficient or no cure was provided to the borrower. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2117 | XX | XX | XX | XX | XX | XX | DC | 12/XX/2014 | Investment | Refinance Rate/Term | N/A | 1 |  |  |  |  |  |  | - A |
| 2476 | XX | XX | XX | XX | XX | XX | IN | 7/XX/2014 | Primary | Purchase | Safe Harbor QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: Unable to test GFE Estimate Available Through Date due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - Check Loan Designation Match - QM: Due Diligence Loan Designation of Safe Harbor QM due to calculated investor qualifying total debt ratio of 41.26363% exceeds AUS total debt ratio of 28.99000%. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA ATR/QM B C |
| 2376 | XX | XX | XX | XX | XX | XX | AL | 5/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2850 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1989 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2017 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $616.10 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The initial Loan Disclosure did not disclose a Loan Discount Points. Fee of $616.10. No cure or valid COC provided. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1930 | XX | XX | XX | XX | XX | XX | CT | 3/XX/2014 | Investment | Purchase | N/A | 2 | [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. |  |  | - B |
| 2863 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2851 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2019 | Primary | Refinance Cash-out - Debt Consolidation | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/16/2018)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,136.19 exceeds tolerance of $1,463.00. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Discount Fee was last disclosed as $1,463 on LE but disclosed as $5,136.19 on Final Closing Disclosure. File does not contain a valid COC for this fee. No cure is reflected on CD |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2882 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2019 | Investment | Refinance Rate/Term | N/A | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/17/2019)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2019 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Documentation of when the valuation was provided not in the file.<br> Federal Compliance - Missing Initial Loan Application Test: Initial application was not provided for review.<br> Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Initial Loan Application not provided for review. |  | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. |  |  | - B |
| 2830 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2019 | Primary | Refinance Limited Cash-out GSE | Safe Harbor QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2019 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XX)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/06/2019)<br> [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-421.00. (9300)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,480.00 exceeds tolerance of $2,233.00 plus 10% or $2,456.30. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Archive Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77219)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $95.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77185)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $845.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - Check Loan Designation Match - QM: File is missing final AUS; final 1008 showing AUS approved was used for review. Loan is water falling to SHQM which requires verification of two year employment history.<br> Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: The file is missing the initial 1003.<br> Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: The loan is failing Temp SHQM and is testing to SHQM, which requires 2 year verification of employment history.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: The file is missing the initial 1003.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: There is not evidence in the file that the borrower received the Closing Disclosure at least three (3) business days prior to closing.<br> Federal Compliance - TRID Lender Credit Tolerance Violation: Lender credit decreased without a valid COC, no cure provided.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Fees added or increased without a valid COC, no cure provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fees added or increased without a valid COC, no cure provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fees added or increased without a valid COC, no cure provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fees added or increased without a valid COC, no cure provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fees added or increased without a valid COC, no cure provided. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Lender Credit Tolerance Violation: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA ATR/QM B C |
| 2068 | XX | XX | XX | XX | XX | XX | PA | 8/XX/2019 | Investment | Refinance Cash-out - Other | N/A | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/22/2019)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2019 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. |  |  | - B |
| 2249 | XX | XX | XX | XX | XX | XX | GA | 6/XX/2019 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2729 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2019 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/31/2019)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $164.00 exceeds tolerance of $144.00 plus 10% or $158.40. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Missing initial CD. | REVIEWER - CURED COMMENT (2022-06-09): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2022-06-09): Sufficient Cure Provided At Closing | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2087 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2019 | Primary | Purchase | Non QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/25/2019)<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2019 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/23/2019) | Federal Compliance - Check Loan Designation Match - QM: Loan is failing Temp SHQM due to unsourced EMD. Loan is waterfalling to SHQM requirements.<br> Federal Compliance - QM DTI: Loan is failing Temp SHQM due to unsourced EMD. Loan is waterfalling to SHQM which allows max dti of 43%.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The appraisal was not provided within 3 days of closing.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Missing initial CD. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA ATR/QM C |
| 2839 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2018 | Primary | Refinance Cash-out - Debt Consolidation | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations was older than 30 days when provided to borrower. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower: Homeownership Counseling Organization List was provided on 11/XX/2018 however the list is from 10/2014. |  | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2901 | XX | XX | XX | XX | XX | XX | OR | 3/XX/2019 | Primary | Refinance Cash-out - Debt Consolidation | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/18/2019) |  |  |  |  |  | - B |
| 2709 | XX | XX | XX | XX | XX | XX | TX | 3/XX/2019 | Primary | Refinance Cash-out - Debt Consolidation | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $200.00 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7588) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No valid change circumstance or evidence of cure was found in the file. |  | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2531 | XX | XX | XX | XX | XX | XX | MI | 9/XX/2018 | Investment | Refinance Cash-out - Other | N/A | 1 |  |  |  |  |  |  | - A |
| 2499 | XX | XX | XX | XX | XX | XX | MI | 9/XX/2018 | Primary | Refinance Cash-out - Debt Consolidation | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/19/2018)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,262.75 exceeds tolerance of $445.00. Insufficient or no cure was provided to the borrower. (7200) | State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan CMPA Home Loan Toolkit is missing or not provided to borrower<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrow<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three business days prior to closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tolerance exceeded for Loan Discount Points. Fee Amount of $1,262.75 exceeds tolerance of $445.00, No |  | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2528 | XX | XX | XX | XX | XX | XX | MI | 9/XX/2018 | Primary | Purchase | Non QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.79135% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $4,665.00 on a Federal Total Loan Amount of $XX vs. an allowable total of $3,691.29 (an overage of $973.71 or .79135%).<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/15/2018) | Federal Compliance - Check Loan Designation Match - QM: Points and fees exceed the 3% max.<br> Federal Compliance - QM Points and Fees: Fees exceed the 3% max. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA ATR/QM C |
| 2841 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2018 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/28/2018)<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Borrower did not receive a copy of each valuation three business days prior to consummation<br> Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: Initial Escrow Deposit Disclosure disclosed initial escrow deposit as $10,770.99. Final CD reflects initial escrow deposit of $5579.65 Lender to provide corrected initial escrow deposit disclosure. |  | Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2780 | XX | XX | XX | XX | XX | XX | UT | 8/XX/2018 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2819 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2018 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/03/2018)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,900.00 exceeds tolerance of $1,625.00 plus 10% or $1,787.50. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $8.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7579)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Payoff Statement Fee. Fee Amount of $80.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75193) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence the borrowers received a copy of the appraisal at least 3 business days prior to closing, or a waiver is not provided. | REVIEWER - CURED COMMENT (2022-06-10): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2022-06-10): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2022-06-10): Sufficient Cure Provided At Closing |  |  |  | - B |
| 2838 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2018 | Investment | Refinance Rate/Term | N/A | 2 | [2] Federal Compliance - Disparity in Occupancy - Not High Cost and Not Higher Priced: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). |  |  |  |  |  | - B |
| 2771 | XX | XX | XX | XX | XX | XX | CO | 7/XX/2018 | Primary | Refinance Cash-out - Other | Non QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XX)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/26/2018)<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/05/2018)<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 03/XX/2018 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/30/2018)<br> [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,039.87 is less than amount of binding Lender Credit previously disclosed in the amount of $-2,529.00. (9300)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,314.00 exceeds tolerance of $536.00 plus 10% or $589.60. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - Check Loan Designation Match - QM: File is missing the required AUS with all pages; loan is defaulting to standard ATR/QM documentation requirements.<br> Federal Compliance - QM Employment History: File is missing the required AUS with all pages; loan is defaulting to standard ATR/QM documentation requirements.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of when the borrower received a copy of the appraisal report is missing from the file.<br> Federal Compliance - Payoff Statement Missing: Mortgage payoff not provided in file.<br> Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: The initial escrow disclosure reports the starting balance to be $1,094.17. The final CD reports the estimated escrows over 1 year to be $3,282.36 with a monthly payment of $273.53<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing disclosure not provided at least 3 days before closing.<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan estimate not delivered to borrower within 3 days of application. Initial LE was electronically singed on 04/XX/2018 however the eSign agreement is dated 05/XX/2018.<br> Federal Compliance - TRID Lender Credit Tolerance Violation: Missing a valid CIC and No cure provided to the borrower.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Missing a valid CIC and no cure provided to the borrower. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Lender Credit Tolerance Violation: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA ATR/QM C |
| 2691 | XX | XX | XX | XX | XX | XX | OK | 6/XX/2018 | Primary | Purchase | Non QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.15574% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $5,571.50 on a Federal Total Loan Amount of $XX vs. an allowable total of $5,296.54 (an overage of $274.96 or .15574%).<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/05/2018) | Federal Compliance - Check Loan Designation Match - QM: Missing asset documentation; loan is waterfalling to standard QM/ATR documentation requirements.<br> Federal Compliance - QM Points and Fees: The QM point and fees exceeds the allowable threshold. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA ATR/QM C |
| 2892 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2018 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/09/2018) |  |  |  |  |  | - B |
| 2433 | XX | XX | XX | XX | XX | XX | KY | 6/XX/2018 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/30/2018) |  |  |  |  |  | - B |
| 2496 | XX | XX | XX | XX | XX | XX | MI | 5/XX/2018 | Primary | Refinance Limited Cash-out GSE | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/16/2018) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Per documentation in the file, the initial CD was issued and delivered 5/XX/2018. This CD was missing from the file. |  | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2334 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2018 | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/20/2018)<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 03/XX/2018 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/26/2018)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,727.00 exceeds tolerance of $1,722.00. Sufficient or excess cure was provided to the borrower. (8304) | Federal Compliance - Check Loan Designation Match - QM: File is not eligible for purchase due to missing final AUS and insufficient assets.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Initial CD issued 04/XX/2018 was not signed or dated so unable to determine date received.<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Initial LE electronically received 03/XX/2018. Earliest e-consent located in the file was accepted 04/XX/2018. | REVIEWER - CURED COMMENT (2022-06-10): Sufficient Cure Provided within 60 Days of Closing | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA ATR/QM B C |
| 2854 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2018 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2018 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 5,884.89 on Final Closing Disclosure provided on 02/XX/2018 not accurate. (Final/XX/19/2018)<br> [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4.50 is less than amount of binding Lender Credit previously disclosed in the amount of $-435.00. (9300)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,189.66 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Missing initial application date.<br> Federal Compliance - TRID Lender Credit Tolerance Violation: The lender credit decreased without a valid COC.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan discount points Fee of $1,189.66 exceeds tolerance of $0.00 and no COC or cure was provided. |  | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Lender Credit Tolerance Violation: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2768 | XX | XX | XX | XX | XX | XX | CO | 1/XX/2018 | Primary | Refinance Cash-out - Debt Consolidation | Non QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XX)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/11/2018)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $26.08 exceeds tolerance of $24.00. Sufficient or excess cure was provided to the borrower. (7520) | Federal Compliance - Check Loan Designation Match - QM: Waterfalls to QM testing due to missing the Appraisal Report<br> Federal Compliance - QM DTI: Waterfalls to QM testing due to missing the Appraisal Report.<br> Federal Compliance - QM Employment History: Loan waterfalls to QM testing due to missing Appraisal Report that was required by the AUS.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: The calculated date of delivery is 01/XX/2018. Missing evidence of the date the Initial Disclosure was received by the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: Credit of $558.25 was provided post close which is sufficient to cure. | REVIEWER - CURED COMMENT (2022-06-10): Sufficient Cure Provided within 60 Days of Closing | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA ATR/QM C |
| 2900 | XX | XX | XX | XX | XX | XX | HI | 12/XX/2017 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/29/2017)<br> [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XX/31/2017) | Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Evidence of earlier borrower receipt was not found in file.<br> Federal Compliance - TRID Loan Estimate Timing: Evidence of earlier borrower receipt was not found in file. |  | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2106 | XX | XX | XX | XX | XX | XX | PA | 12/XX/2017 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: The document is not provided within the required timeframe. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2264 | XX | XX | XX | XX | XX | XX | GA | 11/XX/2017 | Primary | Refinance Cash-out - Debt Consolidation | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/25/2017)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 10/XX/2017 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/10/2017)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $345.00 exceeds tolerance of $340.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Cure provided in the amount of $15.00 | REVIEWER - CURED COMMENT (2022-06-13): Sufficient Cure Provided At Closing | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2474 | XX | XX | XX | XX | XX | XX | IN | 11/XX/2017 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2017 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/07/2017)<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XX/14/2017)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $15.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7563)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,410.50 exceeds tolerance of $661.00. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Right to received appraisal within 3 days was issued, signed by the consumer on 11/XX/2017<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Evidence of earlier borrower receipt was not found in file.<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Evidence of earlier borrower receipt was not found in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Transfer Tax was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Document Preparation Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points was last disclosed as $661.00 on LE but disclosed as $1,410.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2360 | XX | XX | XX | XX | XX | XX | FL | 8/XX/2017 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/21/2017)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Initial CD is dated 8/XX/2017 however is not signed by the borrower. Unable to determine if the borrower received the initial CD at least 3 days prior to close.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Final Inspection Fee was not initially disclosed to the borrower and the final CD shows a fee of $175. No COC or cure provided. |  | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1894 | XX | XX | XX | XX | XX | XX | MA | 10/XX/2017 | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 | Federal Compliance - Check Loan Designation Match - QM: Loan file is missing the Appraisal therefore All conditions are not met and loan would not be Agency Saleable.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Initial 1003 is not signed by either the Borrower or LO. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | TILA ATR/QM B C |
| 1929 | XX | XX | XX | XX | XX | XX | CT | 7/XX/2017 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2700 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2017 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: ABA signed at closing is the Title Company ABA and not the Lender's ABA. Lender ABA is required to be signed by the borrower. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1902 | XX | XX | XX | XX | XX | XX | MA | 10/XX/2017 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/25/2017)<br> [2] State Compliance - Massachusetts Late Charge Percent Testing: Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 6,864.01 on Final Closing Disclosure provided on 10/XX/2017 not accurate. (Final/XX/23/2017)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 10/XX/2017). (Final/XX/23/2017)<br> [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/XX/18/2017) | Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: Annual homeowners walls in protection premium of $253.00 and monthly HOA condo fee $572.00 not included in monthly escrow. Total estimated non escrow monthly expense should be $7,116.96<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final closing disclosure reflects a total of payments in the loan calculation section of $772,285.63, audit calculated TOP is $774,24.32<br> Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: Missing proof of timely receipt of the final revised loan estimate dated 10/XX/2017 |  | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2145 | XX | XX | XX | XX | XX | XX | MD | 4/XX/2017 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/21/2017)<br> [2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $7,124.68 exceeds tolerance of $1,785.00. Insufficient or no cure was provided to the borrower. (8304) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Documentation of when the appraisal was received was not provided for review.<br> Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock not provided for review.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Transfer Tax Amount of $7,124.68 exceeds tolerance of $1,785.00. Insufficient or no cure was provided to the borrower. |  | State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Assignee liability is unclear.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2842 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2017 | Investment | Purchase | N/A | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/18/2017) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing verification of borrower's receipt of appraisal. |  |  |  |  | - B |
| 2156 | XX | XX | XX | XX | XX | XX | VA | 9/XX/2016 | Primary | Refinance Cash-out - Debt Consolidation | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2843 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2016 | Primary | Refinance Cash-out - Home Improvement | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2856 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2016 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2811 | XX | XX | XX | XX | XX | XX | NV | 7/XX/2016 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2702 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/20/2016)<br> [2] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities.<br> [2] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $11.82 exceeds tolerance of $10.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Search on NMLS.com did not return a license for the Loan Originator with the Origination Company.<br> Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Search on NMLS.com did not return a license for the Loan Originator with the Origination Company.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: No evidence of cure provided. | REVIEWER - CURED COMMENT (2022-06-14): Sufficient Cure Provided At Closing | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. |  |  | - B |
| 2737 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2016 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/01/2016) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: File contains the Final CD dated 7XX.16 signed at closing on 7.XX.16. No earlier CD was provided in the loan file. |  | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2845 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2016 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,740.60 on Final Closing Disclosure provided on 06/XX/2016 not accurate. (Final/XX/30/2016) | Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test: The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $1,740.60 on page 4, however the HOA dues are $1,740 per year. |  | Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2263 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2016 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/25/2016)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $190.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77163) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Evidence of earlier borrower receipt was not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: File does not contain a valid COC for this fee, nor evidence of cure in file. |  | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2380 | XX | XX | XX | XX | XX | XX | AL | 6/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2293 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 1940 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2016 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 04/XX/2016 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/XX/20/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 04/XX/2016). (Final/XX/20/2016)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $11.82 exceeds tolerance of $10.00. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,880.00 exceeds tolerance of $2,304.00. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: Final CD missing Lender NMLS ID<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Total of Payments disclosed is $413,871.31. Calculated Total of Payments is $414,007.43. Variance of $136.12.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the Borrower for tolerance overages.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the Borrower for tolerance overages.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the Borrower for tolerance overages. |  | Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2129 | XX | XX | XX | XX | XX | XX | MD | 4/XX/2016 | Investment | Refinance Rate/Term | N/A | 2 | [2] State Compliance - Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided): Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance.<br> [2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  | State Compliance - Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided): Assignee liability is unclear.<br>State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Assignee liability is unclear. |  |  | - B |
| 2109 | XX | XX | XX | XX | XX | XX | PA | 3/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2016 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2016 incorrectly disclosed whether property taxes are included in escrow. (Final/XX/08/2016)<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 02/XX/2016 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/01/2016) | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: The file is missing a signed/dated initial 1003 to provide the application date.<br> Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: Informational only - final CD shows the escrowed taxes in the Other category rather than the tax category. |  | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2749 | XX | XX | XX | XX | XX | XX | TX | 3/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2301 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Escrowed Property Costs over Year 1 - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 2,414.06 on Final Closing Disclosure provided on 02/XX/2016 not accurate. (Final/XX/23/2016) | Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Escrowed Property Costs over Year 1 - Pre October 2018: Monthly escrow of $219.46 X 12 months = $2,633.52 costs for 1 year but, CD has inaccurate amount of $2,414.06 as 1 year escrowed costs |  | Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Escrowed Property Costs over Year 1 - Pre October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2572 | XX | XX | XX | XX | XX | XX | MN | 2/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Subordination Fee. Fee Amount of $250.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. (7559) |  | REVIEWER - CURED COMMENT (2022-06-14): Sufficient Cure Provided At Closing |  |  |  | - A |
| 2733 | XX | XX | XX | XX | XX | XX | TX | 2/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 1896 | XX | XX | XX | XX | XX | XX | MA | 2/XX/2016 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 1992 | XX | XX | XX | XX | XX | XX | NJ | 12/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Per NMLS consumer access the loan originator license status 9/XX/2015 was not active at time of application 09/XX/2015<br> Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Evidence the Affiliated Business Arrangement was provided to applicant within three days was missing from the loan file.<br> Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Notice of right to cancel was not provided prior to expected date as guideline requirements. Date of transaction is 12/XX/2015 and ROR reflects 12/XX/2015 |  | Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: "Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation."<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2603 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2033 | XX | XX | XX | XX | XX | XX | NY | 12/XX/2015 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2015 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2015). (Final/XX/15/2015)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2015 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 12/XX/2015). (Final/XX/15/2015)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/10/2015)<br> [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/XX/10/2015)<br> [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 12/XX/2015 not received by borrower at least four (4) business days prior to closing. (Interim/XX/10/2015)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $225.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7772) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosed Finance Charges are $264,785.07. Due Diligence Finance Charges are $265,053.16. There is a variance of $149.96.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Disclosure reflects TOP of $607,812.02 but calculated TOP of $608,063.87. Variance = $251.85.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Revised Loan Estimate provided on 12/XX/2015 not received by borrower at least four (4) business days prior to closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid COC or cure is not provided for Good Standing Cert/Filing Fee on final CD that was not previously disclosed. |  | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2875 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: Initial GFE is dated 10/XX/2015 with an Estimated Settlement Charges through date of 9/XX/2015<br> Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Application was taken on 8/XX/2015 but, earliest GFE provided is 10/XX/2015 |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2321 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.<br> [2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2820 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Initial escrow disclosure amount of $501..83 does not match 08/XX/15 TIL escrow amount of $507.20<br> Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Initial escrow disclosure amount of $501..86 does not match 08/XX/15 TIL of $507.20 |  | Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2023 | XX | XX | XX | XX | XX | XX | NY | 7/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%. | State Compliance - New York Late Charge Percent Testing: Per the Note on file, the late charge is 5.000%, which exceeds the state maximum of 2%. |  |  |  |  | - B |
| 2580 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2015 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Application / Processing - Missing Document: Missing Lender's Initial 1003: The initial 1003 was missing from the file.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: The Initial Loan Application missing from the file.<br> Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: The Initial Loan Application missing from the file. |  | Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1905 | XX | XX | XX | XX | XX | XX | MA | 4/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure is dated 4/XX/2015 and it is not within 3 days of application. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2889 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2015 | Investment | Refinance Rate/Term | N/A | 2 | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2015 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. |  |  | - B |
| 2852 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2015 | Primary | Refinance Limited Cash-out GSE | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: GFE was issued on 04/XX/2015, less than 10 business days from closing date 04/XX/2015.<br> Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: GFE was issued on 04/XX/2015, more than 3 business days from Application date 03/XX/2015. |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2714 | XX | XX | XX | XX | XX | XX | TX | 2/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: There is a $0.03 monthly difference due to rounding of the HOI.<br> Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: There is a $0.03 monthly difference due to rounding of the HOI. |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2579 | XX | XX | XX | XX | XX | XX | IL | 3/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. | Application / Processing - Missing Document: Missing Lender's Initial 1003: Missing initial 1003 signed by the Borrower and/or Loan Originator.<br> Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: GFE reflects a credit of $437.88 in Block 2 and the HUD reflects discount points of $162.36.<br> Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: GFE reflects a credit of $437.88 in Block A and the HUD reflects a charge of $162.36.<br> Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: The GFE column on page 3 of the final HUD-1 reflects points of $162.36 and the GFE reflects a credit of $437.88.<br> Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: GFE loan amount is $XX and Note loan amount is $XX.<br> Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: GFE initial payment is $1,049.87 and the actual payment is $1,061.34. |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2555 | XX | XX | XX | XX | XX | XX | WI | 1/XX/2015 | Investment | Refinance Rate/Term | N/A | 1 |  |  |  |  |  |  | - A |
| 2607 | XX | XX | XX | XX | XX | XX | IL | 2/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2046 | XX | XX | XX | XX | XX | XX | NY | 2/XX/2015 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  | Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1975 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2015 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2663 | XX | XX | XX | XX | XX | XX | LA | 12/XX/2014 | Primary | Purchase | Safe Harbor QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | Federal Compliance - Check Loan Designation Match - QM: Missing asset documentation; loan is waterfalling to standard QM/ATR documentation requirements.<br> Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: Creditor did not provide HUD Settlement Cost Booklet. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA ATR/QM B C |
| 2178 | XX | XX | XX | XX | XX | XX | VA | 12/XX/2014 | Primary | Refinance Rate/Term | Non QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | Federal Compliance - Check Loan Designation Match - QM: Missing AUS; loan is waterfalling to standard QM/ATR documentation requirements.<br> Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Missing AUS; loan is waterfalling to standard QM/ATR documentation requirements.<br> Federal Compliance - QM DTI: Missing AUS; loan is waterfalling to standard QM/ATR documentation requirements.<br> Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Disclosure not provided within 3 business days of application date. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA ATR/QM C |
| 2753 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2907 | XX | XX | XX | XX | XX | XX | WA | 9/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2718 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2058 | XX | XX | XX | XX | XX | XX | PA | 9/XX/2014 | Primary | Purchase | Safe Harbor QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Federal Compliance - Check Loan Designation Match - QM: Due Diligence Loan Designation of Safe Harbor QM due to missing asset documentation<br> Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: The RESPA Servicing Disclosure was provided to and signed by the borrower at closing on 09/XX/2014. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. |  |  | TILA ATR/QM B C |
| 2828 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2014 | Primary | Purchase | Non QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XX)<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | Federal Compliance - Check Loan Designation Match - QM: The loan is failing Temp SHQM due to insufficient income and asset documentation.<br> Federal Compliance - QM DTI: Loan is failing Temp SHQM and is waterfalling to ATR/QM which allows max dti of 43%.<br> Federal Compliance - QM Employment History: Missing verification of two year employment history. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA ATR/QM C |
| 2328 | XX | XX | XX | XX | XX | XX | FL | 7/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: The P&I payment disclosed on the HUD1 is $1,859.45 vs. the actual payment of $1,858.59. |  | Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2110 | XX | XX | XX | XX | XX | XX | PA | 7/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2740 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2014 | Primary | Refinance Rate/Term | Safe Harbor QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2014 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - Check Loan Designation Match - QM: Loan is not agency saleable due to the source of the gift funds not provided in the loan file<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Missing initial 1003 signed and dated by LO with accurate date determining application date. Borrower's LOX attached with initial 1003 stated year signed was meant to be 11/XX/2013, not 2014. However, LO signed 11/XX/2014. Thus, captured as is. Since signed date is after note date of 7/XX/14, marking initial 1003 missing for this reason.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: The Initial Loan Application Date is missing, the Homeownership Counseling List is dated 6/XX/2014.<br> Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine initial application date since signed date was incorrect noted from LOX. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br>Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | TILA ATR/QM B C |
| 2309 | XX | XX | XX | XX | XX | XX | FL | 7/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2716 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2597 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2014 | Investment | Refinance Rate/Term | N/A | 1 |  |  |  |  |  |  | - A |
| 2111 | XX | XX | XX | XX | XX | XX | DE | 5/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2014, prior to three (3) business days from transaction date of 05/XX/2014.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: The license dates provided on the NMLS data base for the originator does not reflect an active license at the time of origination.<br> Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: The license dates provided on the NMLS data base for the originator does not reflect an active license at the time of origination. |  | Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: "Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation."<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2457 | XX | XX | XX | XX | XX | XX | OH | 5/XX/2014 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: The Settlement Service Provider List was not dated, the date the borrower signed the list was used which is the day after the date of the Good Faith Estimate. |  | Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2082 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2014 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | - A |
| 2026 | XX | XX | XX | XX | XX | XX | NY | 6/XX/2014 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  | Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2645 | XX | XX | XX | XX | XX | XX | MO | 4/XX/2014 | Investment | Refinance Cash-out - Other | N/A | 1 |  |  |  |  |  |  | - A |
| 2035 | XX | XX | XX | XX | XX | XX | NY | 2/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  | - B |
| 1898 | XX | XX | XX | XX | XX | XX | MA | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2325 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $378,228.77 is underdisclosed from calculated Finance Charge of $378,329.81 in the amount of $101.04. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1993 | XX | XX | XX | XX | XX | XX | NJ | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  | - B |
| 2271 | XX | XX | XX | XX | XX | XX | GA | 10/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2138 | XX | XX | XX | XX | XX | XX | MD | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2152 | XX | XX | XX | XX | XX | XX | MD | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2165 | XX | XX | XX | XX | XX | XX | VA | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2888 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2007 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 2426 | XX | XX | XX | XX | XX | XX | MS | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2157 | XX | XX | XX | XX | XX | XX | VA | 4/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2894 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2270 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2007 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2497 | XX | XX | XX | XX | XX | XX | MI | 1/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $299,230.45 is underdisclosed from calculated Finance Charge of $299,844.99 in the amount of $614.54. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The under disclosure is due to the following fees included in Finance Charges not included on the Itemization of Amount Financed: Commitment Fee $375 and Funding Fee $20, totals $395. |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2778 | XX | XX | XX | XX | XX | XX | UT | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2372 | XX | XX | XX | XX | XX | XX | AL | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2758 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2681 | XX | XX | XX | XX | XX | XX | AR | 5/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2163 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2479 | XX | XX | XX | XX | XX | XX | IN | 11/XX/2005 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | TR HUD Deficiency (UAL State) |
| 2160 | XX | XX | XX | XX | XX | XX | VA | 8/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 6.44600% is underdisclosed from calculated APR of 6.88935% outside of 0.250% tolerance.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $382,126.94 is underdisclosed from calculated Finance Charge of $422,958.49 in the amount of $40,831.55.<br> [2] State Compliance - Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | Federal Compliance - Final TIL Finance Charge Under Disclosed: It appears the Lender utilized a lower index at origination than the 3.59% available during the look-back period. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): The secondary market purchase of a loan does not trigger coverage of the statute. |  |  | - B |
| 2407 | XX | XX | XX | XX | XX | XX | TN | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $36,612.98 is underdisclosed from calculated Finance Charge of $36,660.71 in the amount of $47.73. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2236 | XX | XX | XX | XX | XX | XX | SC | 11/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2245 | XX | XX | XX | XX | XX | XX | GA | 7/XX/2003 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 1926 | XX | XX | XX | XX | XX | XX | CT | 10/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2678 | XX | XX | XX | XX | XX | XX | AR | 2/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2107 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2633 | XX | XX | XX | XX | XX | XX | MO | 6/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2367 | XX | XX | XX | XX | XX | XX | AL | 6/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2584 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $184,434.22 is underdisclosed from calculated Finance Charge of $184,744.01 in the amount of $309.79. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The TIL itemization did not disclose a settlement fee of $365, but did include a credit report fee of $55 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2243 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2415 | XX | XX | XX | XX | XX | XX | TN | 5/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2265 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2003 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2196 | XX | XX | XX | XX | XX | XX | NC | 5/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2368 | XX | XX | XX | XX | XX | XX | AL | 5/XX/2003 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2197 | XX | XX | XX | XX | XX | XX | NC | 5/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2128 | XX | XX | XX | XX | XX | XX | MD | 5/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2595 | XX | XX | XX | XX | XX | XX | IL | 4/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $247,723.01 is underdisclosed from calculated Finance Charge of $247,867.90 in the amount of $144.89. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose $275.00 Settlement Fee as a Prepaid Finance Charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2361 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2369 | XX | XX | XX | XX | XX | XX | AL | 4/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2411 | XX | XX | XX | XX | XX | XX | TN | 3/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2256 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2003 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| 2450 | XX | XX | XX | XX | XX | XX | OH | 3/XX/2003 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2696 | XX | XX | XX | XX | XX | XX | TX | 3/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2306 | XX | XX | XX | XX | XX | XX | FL | 2/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2703 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2410 | XX | XX | XX | XX | XX | XX | TN | 12/XX/2002 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2413 | XX | XX | XX | XX | XX | XX | TN | 10/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $88,825.33 is underdisclosed from calculated Finance Charge of $89,065.45 in the amount of $240.12. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for under disclosure due to missing itemization of amount financed. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2067 | XX | XX | XX | XX | XX | XX | PA | 4/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2775 | XX | XX | XX | XX | XX | XX | ID | 10/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): The Residential Mortgage Practices Act does not appear to provide for assignee liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1974 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2162 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $305,799.47 is underdisclosed from calculated Finance Charge of $334,676.02 in the amount of $28,876.55. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is payment stream related due to index and Low Down Payment Rider; minimum index available within the lookback period used for testing purposes. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2848 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2794 | XX | XX | XX | XX | XX | XX | AZ | 11/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information. |  |  | Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2471 | XX | XX | XX | XX | XX | XX | IN | 11/XX/2013 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: Application date on 1003 is 7/XX/13. |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2620 | XX | XX | XX | XX | XX | XX | IL | 9/XX/2011 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2011 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 2697 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2012 | Primary | Purchase |  | 2 | [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  | Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2444 | XX | XX | XX | XX | XX | XX | OH | 8/XX/2011 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2425 | XX | XX | XX | XX | XX | XX | MS | 7/XX/2009 | Primary | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. Unable to determine if the loan is subject to rescission due to missing information (unable to determine construction refinance type).<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 2543 | XX | XX | XX | XX | XX | XX | IA | 7/XX/2010 | Primary | Purchase |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - TIL-MDIA Pre-Disclosure Activity - Fees collected prior to TIL disclosure: Truth in Lending Act (Early TIL Disclosure): Fees, other than for a credit report, charged before early TIL disclosure received by borrower. |  |  | Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA Pre-Disclosure Activity - Fees collected prior to TIL disclosure: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2083 | XX | XX | XX | XX | XX | XX | PA | 7/XX/2008 | Primary | Purchase |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2914 | XX | XX | XX | XX | XX | XX | WA | 12/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2261 | XX | XX | XX | XX | XX | XX | GA | 11/XX/2007 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2172 | XX | XX | XX | XX | XX | XX | VA | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2241 | XX | XX | XX | XX | XX | XX | GA | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2262 | XX | XX | XX | XX | XX | XX | GA | 7/XX/2007 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2401 | XX | XX | XX | XX | XX | XX | TN | 12/XX/2006 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2448 | XX | XX | XX | XX | XX | XX | OH | 1/XX/2007 | Primary | Purchase |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | - B |
| 1956 | XX | XX | XX | XX | XX | XX | NJ | 8/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 1973 | XX | XX | XX | XX | XX | XX | NJ | 7/XX/2006 | Primary | Purchase |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2105 | XX | XX | XX | XX | XX | XX | PA | 7/XX/2006 | Investment | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - B |
| 1891 | XX | XX | XX | XX | XX | XX | MA | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2056 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2221 | XX | XX | XX | XX | XX | XX | NC | 12/XX/2005 | Investment | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2220 | XX | XX | XX | XX | XX | XX | NC | 11/XX/2005 | Investment | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2564 | XX | XX | XX | XX | XX | XX | MN | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1941 | XX | XX | XX | XX | XX | XX | NJ | 8/XX/2005 | Second Home | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2357 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2005 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2783 | XX | XX | XX | XX | XX | XX | UT | 2/XX/2005 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  | - B |
| 1942 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1971 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit)<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1991 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $253,812.46 is underdisclosed from calculated Finance Charge of $254,090.71 in the amount of $278.25. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing amortization schedule. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1968 | XX | XX | XX | XX | XX | XX | NJ | 2/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1982 | XX | XX | XX | XX | XX | XX | NJ | 2/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  | - B |
| 1967 | XX | XX | XX | XX | XX | XX | NJ | 12/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit)<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2466 | XX | XX | XX | XX | XX | XX | OH | 6/XX/2003 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2509 | XX | XX | XX | XX | XX | XX | MI | 7/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2206 | XX | XX | XX | XX | XX | XX | NC | 9/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1988 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2003 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | No | TNR Testing Not Required D |
| 1978 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2003 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1936 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit)<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1934 | XX | XX | XX | XX | XX | XX | NJ | 11/XX/2001 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2209 | XX | XX | XX | XX | XX | XX | NC | 12/XX/2000 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2000 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2800 | XX | XX | XX | XX | XX | XX | AZ | 7/XX/2001 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2104 | XX | XX | XX | XX | XX | XX | PA | 10/XX/1997 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2545 | XX | XX | XX | XX | XX | XX | WI | 2/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2384 | XX | XX | XX | XX | XX | XX | AL | 6/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2514 | XX | XX | XX | XX | XX | XX | MI | 9/XX/2006 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2065 | XX | XX | XX | XX | XX | XX | PA | 12/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2374 | XX | XX | XX | XX | XX | XX | AL | 2/XX/2001 | Second Home | Purchase |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2001 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2547 | XX | XX | XX | XX | XX | XX | WI | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2470 | XX | XX | XX | XX | XX | XX | IN | 4/XX/1998 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2504 | XX | XX | XX | XX | XX | XX | MI | 1/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $88,541.40 is underdisclosed from calculated Finance Charge of $88,777.77 in the amount of $236.37.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2781 | XX | XX | XX | XX | XX | XX | UT | 5/XX/2002 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2276 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2060 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2544 | XX | XX | XX | XX | XX | XX | IA | 9/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2400 | XX | XX | XX | XX | XX | XX | TN | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  | Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2370 | XX | XX | XX | XX | XX | XX | AL | 10/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1917 | XX | XX | XX | XX | XX | XX | CT | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2570 | XX | XX | XX | XX | XX | XX | MN | 4/XX/2012 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2012 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation.<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Assignee liability is unclear. Purchasers and assignees of Minnesota mortgage loans would not appear to be liable for violations of the Act. However, effective 8/XX/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected.<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2560 | XX | XX | XX | XX | XX | XX | WI | 6/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2524 | XX | XX | XX | XX | XX | XX | MI | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $200,236.71 is underdisclosed from calculated Finance Charge of $200,613.79 in the amount of $377.08. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization disclosed prepaid interest of $110.28, however the HUD-1 shows the actual prepaid interest charged was $27.57. |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2287 | XX | XX | XX | XX | XX | XX | GA | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $406,466.00 is underdisclosed from calculated Finance Charge of $406,998.61 in the amount of $532.61. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2625 | XX | XX | XX | XX | XX | XX | MO | 8/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2161 | XX | XX | XX | XX | XX | XX | VA | 7/XX/2012 | Primary | Purchase |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: Unable to determine due to missing initial application |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2477 | XX | XX | XX | XX | XX | XX | IN | 8/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2589 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2482 | XX | XX | XX | XX | XX | XX | IN | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2365 | XX | XX | XX | XX | XX | XX | AL | 1/XX/2008 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2893 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR HUD Deficiency |
| 2638 | XX | XX | XX | XX | XX | XX | MO | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2680 | XX | XX | XX | XX | XX | XX | AR | 12/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2121 | XX | XX | XX | XX | XX | XX | MD | 1/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Maryland Counseling Disclosure Not In File: Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.<br> [2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.<br> [2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: Borrower's ability to repay not verified with reliable documentation.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Maryland Counseling Disclosure Not In File: HB 1399 does not contain express provisions for assignee liability.<br>State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Assignee liability is unclear.<br>State Compliance - Maryland Ability to Repay Not Verified: No express provisions for assignee liability<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2685 | XX | XX | XX | XX | XX | XX | OK | 6/XX/2012 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2012 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2571 | XX | XX | XX | XX | XX | XX | MN | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2025 | XX | XX | XX | XX | XX | XX | NY | 12/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2010 | XX | XX | XX | XX | XX | XX | NY | 2/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  | - B |
| 2640 | XX | XX | XX | XX | XX | XX | MO | 10/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2867 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 2523 | XX | XX | XX | XX | XX | XX | MI | 11/XX/2002 | UTD | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2002 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2464 | XX | XX | XX | XX | XX | XX | OH | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 2020 | XX | XX | XX | XX | XX | XX | NY | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2833 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | Yes | TR HUD Deficiency |
| 2679 | XX | XX | XX | XX | XX | XX | AR | 11/XX/2003 | Second Home | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2045 | XX | XX | XX | XX | XX | XX | NY | 8/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2373 | XX | XX | XX | XX | XX | XX | AL | 6/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2798 | XX | XX | XX | XX | XX | XX | AZ | 1/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2259 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2278 | XX | XX | XX | XX | XX | XX | GA | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2635 | XX | XX | XX | XX | XX | XX | MO | 10/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2637 | XX | XX | XX | XX | XX | XX | MO | 1/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2088 | XX | XX | XX | XX | XX | XX | PA | 11/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2182 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2605 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 2112 | XX | XX | XX | XX | XX | XX | DE | 5/XX/2006 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2652 | XX | XX | XX | XX | XX | XX | KS | 3/XX/2003 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2003 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2799 | XX | XX | XX | XX | XX | XX | AZ | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $154,920.80 is underdisclosed from calculated Finance Charge of $155,452.61 in the amount of $531.81.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2014 | XX | XX | XX | XX | XX | XX | NY | 2/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2551 | XX | XX | XX | XX | XX | XX | WI | 3/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2823 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2849 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2585 | XX | XX | XX | XX | XX | XX | IL | 10/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2885 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR HUD Deficiency |
| 2395 | XX | XX | XX | XX | XX | XX | TN | 8/XX/1998 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1998 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $153,088.24 is underdisclosed from calculated Finance Charge of $153,237.72 in the amount of $149.48.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under-disclosure is due to fees. Itemization did not include the settlement/closing/escrow fee of $150.00. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2478 | XX | XX | XX | XX | XX | XX | IN | 9/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2171 | XX | XX | XX | XX | XX | XX | VA | 9/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2517 | XX | XX | XX | XX | XX | XX | MI | 3/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2042 | XX | XX | XX | XX | XX | XX | NY | 8/XX/2003 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2643 | XX | XX | XX | XX | XX | XX | MO | 8/XX/2002 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2002 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2440 | XX | XX | XX | XX | XX | XX | OH | 5/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 6.74900% is underdisclosed from calculated APR of 7.29344% outside of 0.250% tolerance.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $112,536.46 is underdisclosed from calculated Finance Charge of $119,422.50 in the amount of $6,886.04. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the final TIL not including the monthly MI payment in the total payments. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2722 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1909 | XX | XX | XX | XX | XX | XX | MA | 7/XX/2004 | Second Home | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2439 | XX | XX | XX | XX | XX | XX | OH | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.<br> [2] State Compliance - Ohio CSPA Tangible Net Benefit Test: Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2238 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2003 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2884 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2012 | UTD | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2012 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2618 | XX | XX | XX | XX | XX | XX | IL | 9/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 2616 | XX | XX | XX | XX | XX | XX | IL | 3/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2063 | XX | XX | XX | XX | XX | XX | PA | 4/XX/2005 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2418 | XX | XX | XX | XX | XX | XX | TN | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2596 | XX | XX | XX | XX | XX | XX | IL | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1957 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2012 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2467 | XX | XX | XX | XX | XX | XX | OH | 3/XX/2000 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2511 | XX | XX | XX | XX | XX | XX | MI | 1/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2382 | XX | XX | XX | XX | XX | XX | AL | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2902 | XX | XX | XX | XX | XX | XX | OR | 11/XX/2001 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2210 | XX | XX | XX | XX | XX | XX | NC | 3/XX/2007 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 1981 | XX | XX | XX | XX | XX | XX | NJ | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| 1955 | XX | XX | XX | XX | XX | XX | NJ | 7/XX/2009 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2525 | XX | XX | XX | XX | XX | XX | MI | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| 2483 | XX | XX | XX | XX | XX | XX | IN | 7/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2639 | XX | XX | XX | XX | XX | XX | MO | 11/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2730 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2008 used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2008, prior to three (3) business days from transaction date of 11/XX/2008. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2113 | XX | XX | XX | XX | XX | XX | DE | 9/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1952 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2436 | XX | XX | XX | XX | XX | XX | KY | 4/XX/2006 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $121,531.61 is underdisclosed from calculated Finance Charge of $121,841.85 in the amount of $310.24. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is in the payment stream due to MI. Unable to determine under disclosure due to missing MI cert. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2761 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2723 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2515 | XX | XX | XX | XX | XX | XX | MI | 3/XX/2005 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 2459 | XX | XX | XX | XX | XX | XX | OH | 9/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2251 | XX | XX | XX | XX | XX | XX | GA | 11/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2726 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2787 | XX | XX | XX | XX | XX | XX | AZ | 10/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2762 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2507 | XX | XX | XX | XX | XX | XX | MI | 5/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2198 | XX | XX | XX | XX | XX | XX | NC | 11/XX/2002 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2158 | XX | XX | XX | XX | XX | XX | VA | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2632 | XX | XX | XX | XX | XX | XX | MO | 3/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2073 | XX | XX | XX | XX | XX | XX | PA | 2/XX/2006 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1914 | XX | XX | XX | XX | XX | XX | VT | 9/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 2750 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2653 | XX | XX | XX | XX | XX | XX | KS | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1970 | XX | XX | XX | XX | XX | XX | NJ | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2876 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2048 | XX | XX | XX | XX | XX | XX | NY | 8/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1997 | XX | XX | XX | XX | XX | XX | NY | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2641 | XX | XX | XX | XX | XX | XX | MO | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2043 | XX | XX | XX | XX | XX | XX | NY | 12/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2562 | XX | XX | XX | XX | XX | XX | MN | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2285 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2125 | XX | XX | XX | XX | XX | XX | MD | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 1939 | XX | XX | XX | XX | XX | XX | NJ | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2204 | XX | XX | XX | XX | XX | XX | NC | 2/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $114,634.13 is underdisclosed from calculated Finance Charge of $115,045.92 in the amount of $411.79. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2542 | XX | XX | XX | XX | XX | XX | IA | 11/XX/2002 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2002 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2844 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2007 | Investment | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2432 | XX | XX | XX | XX | XX | XX | KY | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2311 | XX | XX | XX | XX | XX | XX | FL | 8/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2364 | XX | XX | XX | XX | XX | XX | AL | 11/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2398 | XX | XX | XX | XX | XX | XX | TN | 4/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2526 | XX | XX | XX | XX | XX | XX | MI | 8/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $232,742.66 is underdisclosed from calculated Finance Charge of $232,855.39 in the amount of $112.73. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine fee portion of under disclosure due to missing Itemization of Amount Financed. Payment stream portion is due to lender's TIL reflecting MI would be in force for 154 months; however, based on loan amount and appraised value, the MI would be in force for 155 months. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2659 | XX | XX | XX | XX | XX | XX | LA | 4/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2660 | XX | XX | XX | XX | XX | XX | LA | 6/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $105,641.05 is underdisclosed from calculated Finance Charge of $105,751.06 in the amount of $110.01. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2582 | XX | XX | XX | XX | XX | XX | IL | 10/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1984 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2910 | XX | XX | XX | XX | XX | XX | WA | 10/XX/1993 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $136,939.28 is underdisclosed from calculated Finance Charge of $137,062.23 in the amount of $122.95. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the under disclosure due to missing the itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1920 | XX | XX | XX | XX | XX | XX | CT | 8/XX/1998 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1998 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1922 | XX | XX | XX | XX | XX | XX | CT | 1/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2116 | XX | XX | XX | XX | XX | XX | DE | 4/XX/2012 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2424 | XX | XX | XX | XX | XX | XX | MS | 4/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2120 | XX | XX | XX | XX | XX | XX | MD | 5/XX/2006 | Second Home | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2684 | XX | XX | XX | XX | XX | XX | AR | 6/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2283 | XX | XX | XX | XX | XX | XX | GA | 2/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1938 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2532 | XX | XX | XX | XX | XX | XX | MI | 11/XX/1998 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2752 | XX | XX | XX | XX | XX | XX | TX | 4/XX/1995 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2897 | XX | XX | XX | XX | XX | XX | HI | 1/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $333,995.79 is underdisclosed from calculated Finance Charge of $334,146.69 in the amount of $150.90. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The TIL itemization did not disclose a release tracking fee of $125 or courier fee of $26 as prepaid finance charges. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2599 | XX | XX | XX | XX | XX | XX | IL | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2201 | XX | XX | XX | XX | XX | XX | NC | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2351 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2534 | XX | XX | XX | XX | XX | XX | MI | 8/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2001 | XX | XX | XX | XX | XX | XX | NY | 12/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2402 | XX | XX | XX | XX | XX | XX | TN | 2/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2630 | XX | XX | XX | XX | XX | XX | MO | 3/XX/2013 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2565 | XX | XX | XX | XX | XX | XX | MN | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2765 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2007 | Second Home | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2816 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2168 | XX | XX | XX | XX | XX | XX | VA | 9/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. |  |  | State Compliance - Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): The secondary market purchase of a loan does not trigger coverage of the statute. |  |  | - B |
| 2490 | XX | XX | XX | XX | XX | XX | IN | 2/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2658 | XX | XX | XX | XX | XX | XX | LA | 2/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1995 | XX | XX | XX | XX | XX | XX | NY | 11/XX/2005 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1969 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2008 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2147 | XX | XX | XX | XX | XX | XX | MD | 4/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2417 | XX | XX | XX | XX | XX | XX | TN | 6/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2677 | XX | XX | XX | XX | XX | XX | AR | 2/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 2717 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2000 | UTD | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2281 | XX | XX | XX | XX | XX | XX | GA | 12/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 2191 | XX | XX | XX | XX | XX | XX | NC | 3/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2870 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2006 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $533,883.92 is underdisclosed from calculated Finance Charge of $536,168.82 in the amount of $2,284.90. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the under disclosure due to missing the itemization of amount financed. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2803 | XX | XX | XX | XX | XX | XX | NM | 2/XX/2006 | UTD | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2219 | XX | XX | XX | XX | XX | XX | NC | 9/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2667 | XX | XX | XX | XX | XX | XX | LA | 9/XX/2004 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2454 | XX | XX | XX | XX | XX | XX | OH | 6/XX/2003 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2527 | XX | XX | XX | XX | XX | XX | MI | 3/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2314 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2878 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | Yes | TR HUD Deficiency |
| 2331 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.40900% is underdisclosed from calculated APR of 8.23544% outside of 0.250% tolerance.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $127,569.43 is underdisclosed from calculated Finance Charge of $137,579.34 in the amount of $10,009.91.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to lender final TIL reflects MI start rate for 10 months, then step down rate for 151 months, Per the Final TIL start rate should be for 120 months and step down for additional 41 months. |  | Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2274 | XX | XX | XX | XX | XX | XX | GA | 2/XX/1996 | Primary | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 02/XX/1996 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 2447 | XX | XX | XX | XX | XX | XX | OH | 6/XX/1997 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/1997 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2802 | XX | XX | XX | XX | XX | XX | NM | 10/XX/1999 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2194 | XX | XX | XX | XX | XX | XX | NC | 7/XX/2000 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2390 | XX | XX | XX | XX | XX | XX | TN | 9/XX/2001 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1986 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2001 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2144 | XX | XX | XX | XX | XX | XX | MD | 3/XX/2001 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2208 | XX | XX | XX | XX | XX | XX | NC | 1/XX/2002 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR HUD Deficiency |
| 1963 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2002 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $291,754.25 is underdisclosed from calculated Finance Charge of $292,103.74 in the amount of $349.49.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose the $25 CPL fee or $325 settlement fee as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2695 | XX | XX | XX | XX | XX | XX | TX | 4/XX/2002 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2002 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2688 | XX | XX | XX | XX | XX | XX | OK | 4/XX/2002 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2473 | XX | XX | XX | XX | XX | XX | IN | 5/XX/2002 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 2242 | XX | XX | XX | XX | XX | XX | GA | 9/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2711 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1893 | XX | XX | XX | XX | XX | XX | MA | 5/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2008 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2004 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2098 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2356 | XX | XX | XX | XX | XX | XX | FL | 7/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2074 | XX | XX | XX | XX | XX | XX | PA | 8/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2824 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2260 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2669 | XX | XX | XX | XX | XX | XX | LA | 4/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2017 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - B |
| 2341 | XX | XX | XX | XX | XX | XX | FL | 6/XX/2005 | UTD | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2809 | XX | XX | XX | XX | XX | XX | NV | 7/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Yes | TR HUD Deficiency |
| 2307 | XX | XX | XX | XX | XX | XX | FL | 8/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2141 | XX | XX | XX | XX | XX | XX | MD | 12/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2631 | XX | XX | XX | XX | XX | XX | MO | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  | - B |
| 2123 | XX | XX | XX | XX | XX | XX | MD | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2354 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $193,385.22 is underdisclosed from calculated Finance Charge of $194,492.38 in the amount of $1,107.16. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2296 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2101 | XX | XX | XX | XX | XX | XX | PA | 7/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1945 | XX | XX | XX | XX | XX | XX | NJ | 7/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2164 | XX | XX | XX | XX | XX | XX | VA | 9/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2469 | XX | XX | XX | XX | XX | XX | OH | 10/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2024 | XX | XX | XX | XX | XX | XX | NY | 11/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2254 | XX | XX | XX | XX | XX | XX | GA | 12/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1916 | XX | XX | XX | XX | XX | XX | CT | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2554 | XX | XX | XX | XX | XX | XX | WI | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2358 | XX | XX | XX | XX | XX | XX | FL | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2912 | XX | XX | XX | XX | XX | XX | WA | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2396 | XX | XX | XX | XX | XX | XX | TN | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2782 | XX | XX | XX | XX | XX | XX | UT | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2323 | XX | XX | XX | XX | XX | XX | FL | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Yes | TR HUD Deficiency |
| 2397 | XX | XX | XX | XX | XX | XX | TN | 6/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2294 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 7.13800% is underdisclosed from calculated APR of 7.47146% outside of 0.125% tolerance.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $227,663.52 is underdisclosed from calculated Finance Charge of $234,528.85 in the amount of $6,865.33. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the TIL not including the monthly MI payment. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2460 | XX | XX | XX | XX | XX | XX | OH | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2566 | XX | XX | XX | XX | XX | XX | MN | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $211,135.10 is underdisclosed from calculated Finance Charge of $211,275.10 in the amount of $140.00. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing TIL Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2858 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2609 | XX | XX | XX | XX | XX | XX | IL | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2346 | XX | XX | XX | XX | XX | XX | FL | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1985 | XX | XX | XX | XX | XX | XX | NJ | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TIL in file indicated to be final, expected funding date same as disbursement and/or note date<br> but signature is not dated by borrower so cannot confirm that borrower received at closing. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2114 | XX | XX | XX | XX | XX | XX | DE | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $499,214.29 is underdisclosed from calculated Finance Charge of $500,074.64 in the amount of $860.35. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2874 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2337 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2693 | XX | XX | XX | XX | XX | XX | OK | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2148 | XX | XX | XX | XX | XX | XX | MD | 11/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2748 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2132 | XX | XX | XX | XX | XX | XX | MD | 12/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2629 | XX | XX | XX | XX | XX | XX | MO | 2/XX/2008 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2338 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2654 | XX | XX | XX | XX | XX | XX | KS | 11/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2383 | XX | XX | XX | XX | XX | XX | AL | 1/XX/2009 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2727 | XX | XX | XX | XX | XX | XX | TX | 4/XX/2008 | Primary | Construction-Permanent |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  | - B |
| 2037 | XX | XX | XX | XX | XX | XX | NY | 8/XX/2010 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2239 | XX | XX | XX | XX | XX | XX | GA | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (2010): Loan Term on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $103,092.44 is underdisclosed from calculated Finance Charge of $103,166.08 in the amount of $73.64.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2614 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2355 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2080 | XX | XX | XX | XX | XX | XX | PA | 2/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $114,149.16 is underdisclosed from calculated Finance Charge of $114,602.57 in the amount of $453.41.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2529 | XX | XX | XX | XX | XX | XX | MI | 3/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2416 | XX | XX | XX | XX | XX | XX | TN | 1/XX/2003 | Primary | Purchase |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1904 | XX | XX | XX | XX | XX | XX | MA | 11/XX/2002 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 11/XX/2002 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  | Yes | TR Indeterminable D |
| 2567 | XX | XX | XX | XX | XX | XX | MN | 10/XX/2013 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2913 | XX | XX | XX | XX | XX | XX | WA | 8/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2453 | XX | XX | XX | XX | XX | XX | OH | 3/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $233,937.94 is underdisclosed from calculated Finance Charge of $234,438.99 in the amount of $501.05. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure, due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2414 | XX | XX | XX | XX | XX | XX | TN | 3/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. |  |  |  |  |  | - B |
| 2420 | XX | XX | XX | XX | XX | XX | TN | 4/XX/2003 | Primary | Purchase |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2030 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2248 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2675 | XX | XX | XX | XX | XX | XX | AR | 5/XX/2002 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2648 | XX | XX | XX | XX | XX | XX | KS | 7/XX/2003 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2388 | XX | XX | XX | XX | XX | XX | AL | 8/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2102 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $65,670.10 is underdisclosed from calculated Finance Charge of $65,990.91 in the amount of $320.81. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2591 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2673 | XX | XX | XX | XX | XX | XX | LA | 10/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2449 | XX | XX | XX | XX | XX | XX | OH | 4/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2521 | XX | XX | XX | XX | XX | XX | MI | 6/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2689 | XX | XX | XX | XX | XX | XX | OK | 6/XX/2005 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 2078 | XX | XX | XX | XX | XX | XX | PA | 10/XX/2005 | Second Home | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2094 | XX | XX | XX | XX | XX | XX | PA | 2/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2363 | XX | XX | XX | XX | XX | XX | AL | 6/XX/2005 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  | REVIEWER - GENERAL COMMENT (2022-07-19): Exception Detail Updated from: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2031 | XX | XX | XX | XX | XX | XX | NY | 4/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: Unable to determine if loan file contains CHARM Booklet due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2312 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $403,813.01 is underdisclosed from calculated Finance Charge of $407,095.43 in the amount of $3,282.42. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The Final TIL figures do not correlate with the terms of Note and Prepaid Finance Charges on HUD. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2757 | XX | XX | XX | XX | XX | XX | TX | 3/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2763 | XX | XX | XX | XX | XX | XX | TX | 3/XX/2006 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 2187 | XX | XX | XX | XX | XX | XX | WV | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1935 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2006 | Investment | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2438 | XX | XX | XX | XX | XX | XX | KY | 8/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2498 | XX | XX | XX | XX | XX | XX | MI | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2237 | XX | XX | XX | XX | XX | XX | SC | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | - B |
| 2133 | XX | XX | XX | XX | XX | XX | MD | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2207 | XX | XX | XX | XX | XX | XX | NC | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2213 | XX | XX | XX | XX | XX | XX | NC | 9/XX/2007 | Investment | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1961 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2190 | XX | XX | XX | XX | XX | XX | NC | 12/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  | - B |
| 2732 | XX | XX | XX | XX | XX | XX | TX | 3/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2119 | XX | XX | XX | XX | XX | XX | VA | 6/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  | - B |
| 2192 | XX | XX | XX | XX | XX | XX | NC | 8/XX/2010 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2010 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 2604 | XX | XX | XX | XX | XX | XX | IL | 2/XX/2014 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2347 | XX | XX | XX | XX | XX | XX | FL | 1/XX/2014 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2510 | XX | XX | XX | XX | XX | XX | MI | 1/XX/2014 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  | - B |
| 2817 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2721 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2013 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - First Change Date on GFE Inaccurate: RESPA (2010): First Change Date on GFE does not match First Change Date on Note.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA (2010) - First Change Date on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2155 | XX | XX | XX | XX | XX | XX | VA | 12/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |  |  | - B |
| 2832 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2013 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2694 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2013 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2076 | XX | XX | XX | XX | XX | XX | PA | 12/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2745 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2013 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2022 | XX | XX | XX | XX | XX | XX | NY | 9/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 2315 | XX | XX | XX | XX | XX | XX | FL | 8/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2868 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2664 | XX | XX | XX | XX | XX | XX | LA | 9/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2846 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: Days before settlement not provided.: GFE Date: 06/XX/2013<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2419 | XX | XX | XX | XX | XX | XX | TN | 7/XX/2013 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2272 | XX | XX | XX | XX | XX | XX | GA | 7/XX/2013 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: Unable to determine due to missing initial application date |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2772 | XX | XX | XX | XX | XX | XX | CO | 6/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  | State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Assignee Liability: For a transaction involving a security interest in land, any action that may be brought against the original creditor may be maintained against any subsequent assignee where the assignee, its subsidiaries, or affiliates were in a continuing business relationship with the original creditor either at the time the credit was extended or at the time of the assignment unless the assignment was involuntary or the assignee shows by a preponderance of evidence that it did not have reasonable grounds to believe that the original creditor was engaged in violations of the code and that it maintained procedures reasonably adapted to apprise it of the existence of the violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 1965 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2455 | XX | XX | XX | XX | XX | XX | OH | 6/XX/2013 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): "The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure."<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2169 | XX | XX | XX | XX | XX | XX | VA | 6/XX/2013 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  | Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |  |  | - B |
| 1996 | XX | XX | XX | XX | XX | XX | NY | 6/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2203 | XX | XX | XX | XX | XX | XX | NC | 6/XX/2013 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1947 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $288,850.56 is underdisclosed from calculated Finance Charge of $291,799.61 in the amount of $2,949.05. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing amortization schedule. |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2725 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 2857 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. |  |  | - B |
| 2385 | XX | XX | XX | XX | XX | XX | AL | 5/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. |  |  | Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 2877 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1915 | XX | XX | XX | XX | XX | XX | VT | 4/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2452 | XX | XX | XX | XX | XX | XX | OH | 4/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 2122 | XX | XX | XX | XX | XX | XX | MD | 4/XX/2013 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2013 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Maryland Counseling Disclosure Not In File: Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.<br> [2] State Compliance - Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided): Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance.<br> [2] State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.<br> [2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: Borrower's ability to repay not verified with reliable documentation.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  | State Compliance - Maryland Counseling Disclosure Not In File: HB 1399 does not contain express provisions for assignee liability.<br>State Compliance - Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided): Assignee liability is unclear.<br>State Compliance - Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Assignee liability is unclear.<br>State Compliance - Maryland Ability to Repay Not Verified: No express provisions for assignee liability<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1958 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  | Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |  |  | - B |
| 2898 | XX | XX | XX | XX | XX | XX | HI | 3/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |  |  | - B |
| 2404 | XX | XX | XX | XX | XX | XX | TN | 3/XX/2013 | Investment | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| 2865 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2013 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2013 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 2177 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 1923 | XX | XX | XX | XX | XX | XX | CT | 2/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2522 | XX | XX | XX | XX | XX | XX | MI | 1/XX/2013 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2013 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 2291 | XX | XX | XX | XX | XX | XX | GA | 1/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2581 | XX | XX | XX | XX | XX | XX | IL | 2/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2143 | XX | XX | XX | XX | XX | XX | MD | 2/XX/2013 | Primary | Purchase |  | 2 | [2] State Compliance - Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided): Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance.<br> [2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $214,068.04 is underdisclosed from calculated Finance Charge of $215,109.37 in the amount of $1,041.33.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The TIL Itemization did not disclose a mortgage insurance reserve of $1858.05 as prepaid finance charges. Tax escrow that was included in the TIL escrows were not disclosed or collected on the HUD. |  | State Compliance - Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided): Assignee liability is unclear.<br>State Compliance - Maryland Ability to Repay Not Verified: No express provisions for assignee liability<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2126 | XX | XX | XX | XX | XX | XX | MD | 1/XX/2013 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Maryland Counseling Disclosure Not In File: Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.<br> [2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: Borrower's ability to repay not verified with reliable documentation.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (2010): Loan Term on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Maryland Counseling Disclosure Not In File: HB 1399 does not contain express provisions for assignee liability.<br>State Compliance - Maryland Ability to Repay Not Verified: No express provisions for assignee liability<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2349 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2075 | XX | XX | XX | XX | XX | XX | PA | 12/XX/2012 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |  |  | - B |
| 2176 | XX | XX | XX | XX | XX | XX | VA | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2814 | XX | XX | XX | XX | XX | XX | NV | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Nevada Home Loan (Ability to Repay not Verified): Nevada Home Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Nevada Home Loan (Ability to Repay not Verified): Assignees and purchasers would qualify as "lenders" subject to the Act. Damages consist of three times the borrower's actual damages, plus costs and reasonable attorney's fees. In addition, borrower has a defense against the unpaid obligation of the home loan to the extent of any amount awarded by a court pursuant to the treble damages provision, and a court may cure default and cancel any pending foreclosure sale. However, the Act contains unique assignee protections, effectively allowing a blameless assignee to force the person from whom the loan was acquired to repurchase the loan and pay costs and damages costs if the lender did not originate the home loan or willfully engage in any unfair lending practice in connection with the home loan.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2137 | XX | XX | XX | XX | XX | XX | MD | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] State Compliance - Maryland Counseling Disclosure Not In File: Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.<br> [2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: Borrower's ability to repay not verified with reliable documentation.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Maryland Counseling Disclosure Not In File: HB 1399 does not contain express provisions for assignee liability.<br>State Compliance - Maryland Ability to Repay Not Verified: No express provisions for assignee liability<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2344 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2350 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2786 | XX | XX | XX | XX | XX | XX | AZ | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2792 | XX | XX | XX | XX | XX | XX | AZ | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $143,563.79 is underdisclosed from calculated Finance Charge of $143,795.60 in the amount of $231.81.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2513 | XX | XX | XX | XX | XX | XX | MI | 12/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2167 | XX | XX | XX | XX | XX | XX | VA | 11/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2308 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2012 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2399 | XX | XX | XX | XX | XX | XX | TN | 11/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2576 | XX | XX | XX | XX | XX | XX | MN | 11/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation.<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Assignee liability is unclear. Purchasers and assignees of Minnesota mortgage loans would not appear to be liable for violations of the Act. However, effective 8/XX/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2292 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2166 | XX | XX | XX | XX | XX | XX | VA | 10/XX/2012 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2012 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.<br> [2] State Compliance - Virginia Tangible Net Benefit Test: Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information. |  |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Virginia Tangible Net Benefit Test: The secondary market purchase of a loan does not trigger coverage of the statute." |  | Yes | TR Indeterminable D |
| 2831 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2012 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. |  |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2808 | XX | XX | XX | XX | XX | XX | NV | 10/XX/2012 | Second Home | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Nevada Home Loan (Ability to Repay not Verified): Nevada Home Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment.<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Nevada Home Loan (Ability to Repay not Verified): Assignees and purchasers would qualify as "lenders" subject to the Act. Damages consist of three times the borrower's actual damages, plus costs and reasonable attorney's fees. In addition, borrower has a defense against the unpaid obligation of the home loan to the extent of any amount awarded by a court pursuant to the treble damages provision, and a court may cure default and cancel any pending foreclosure sale. However, the Act contains unique assignee protections, effectively allowing a blameless assignee to force the person from whom the loan was acquired to repurchase the loan and pay costs and damages costs if the lender did not originate the home loan or willfully engage in any unfair lending practice in connection with the home loan.<br>Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2743 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $52,522.11 is underdisclosed from calculated Finance Charge of $52,839.14 in the amount of $317.03.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2408 | XX | XX | XX | XX | XX | XX | TN | 10/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2770 | XX | XX | XX | XX | XX | XX | CO | 10/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.<br> [2] State Compliance - Colorado MLO Licensing Act - NMLS ID not on 1003: Colorado Mortgage Loan Originator Licensing Act: Loan originator NMLS identifier is not clearly displayed on loan application.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $250,918.01 is underdisclosed from calculated Finance Charge of $251,002.89 in the amount of $84.88.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender's TIL reflecting MI being in force for 136 months, however based on the loan amount and appraised value the MI would be in force for 137 months. |  | State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Assignee Liability: For a transaction involving a security interest in land, any action that may be brought against the original creditor may be maintained against any subsequent assignee where the assignee, its subsidiaries, or affiliates were in a continuing business relationship with the original creditor either at the time the credit was extended or at the time of the assignment unless the assignment was involuntary or the assignee shows by a preponderance of evidence that it did not have reasonable grounds to believe that the original creditor was engaged in violations of the code and that it maintained procedures reasonably adapted to apprise it of the existence of the violations.<br>State Compliance - Colorado MLO Licensing Act - NMLS ID not on 1003: Assignee Liability: For a transaction involving a security interest in land, any action that may be brought against the original creditor may be maintained against any subsequent assignee where the assignee, its subsidiaries, or affiliates were in a continuing business relationship with the original creditor either at the time the credit was extended or at the time of the assignment unless the assignment was involuntary or the assignee shows by a preponderance of evidence that it did not have reasonable grounds to believe that the original creditor was engaged in violations of the code and that it maintained procedures reasonably adapted to apprise it of the existence of the violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2456 | XX | XX | XX | XX | XX | XX | OH | 8/XX/2012 | Investment | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1980 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2012 | Investment | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2389 | XX | XX | XX | XX | XX | XX | AL | 9/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: Interest rate available through date not provided.: GFE Date: 07/XX/2012 Interest Rate Available Through Date is blank for GFE dated 07/XX/2012.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. |  |  | Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 2335 | XX | XX | XX | XX | XX | XX | FL | 8/XX/2012 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2895 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2012 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2516 | XX | XX | XX | XX | XX | XX | MI | 8/XX/2012 | Primary | Purchase |  | 2 | [2] Federal Compliance - Federal LO Compensation Dual Compensation Pre-Dodd Frank Test: Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  | Federal Compliance - Federal LO Compensation Dual Compensation Pre-Dodd Frank Test: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, and where the assignment was involuntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or non-judicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2053 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1983 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |  |  | - B |
| 2298 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. |  |  | Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2855 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2012 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2915 | XX | XX | XX | XX | XX | XX | WA | 3/XX/2012 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided): Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided): The Act does not appear to provide for assignee liability. |  |  | - B |
| 2541 | XX | XX | XX | XX | XX | XX | IA | 2/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2002 | XX | XX | XX | XX | XX | XX | NY | 3/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2423 | XX | XX | XX | XX | XX | XX | MS | 11/XX/2011 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1931 | XX | XX | XX | XX | XX | XX | CT | 8/XX/2011 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2013 | XX | XX | XX | XX | XX | XX | NY | 4/XX/2011 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2747 | XX | XX | XX | XX | XX | XX | TX | 2/XX/2011 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | - B |
| 2282 | XX | XX | XX | XX | XX | XX | GA | 1/XX/2011 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2546 | XX | XX | XX | XX | XX | XX | WI | 9/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  | - B |
| 2785 | XX | XX | XX | XX | XX | XX | AZ | 9/XX/2010 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |  |  | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2052 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2010 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.<br> [2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. |  |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): TILA ROR Form - The Third Circuit has prior rulings that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form. Creditors are required to use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2047 | XX | XX | XX | XX | XX | XX | NY | 3/XX/2010 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $227,103.46 is underdisclosed from calculated Finance Charge of $227,158.65 in the amount of $55.19. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2621 | XX | XX | XX | XX | XX | XX | IL | 8/XX/2010 | Investment | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2406 | XX | XX | XX | XX | XX | XX | TN | 10/XX/2009 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2061 | XX | XX | XX | XX | XX | XX | PA | 7/XX/2009 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2827 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2015 | XX | XX | XX | XX | XX | XX | NY | 7/XX/2009 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  | - B |
| 2302 | XX | XX | XX | XX | XX | XX | FL | 6/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2044 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2903 | XX | XX | XX | XX | XX | XX | OR | 5/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2670 | XX | XX | XX | XX | XX | XX | LA | 4/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2224 | XX | XX | XX | XX | XX | XX | SC | 3/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2575 | XX | XX | XX | XX | XX | XX | MN | 2/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): Minnesota Residential Mortgage Originator and Servicer Licensing Act: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and max balance, if applicable.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2009, prior to three (3) business days from transaction date of 02/XX/2009.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2200 | XX | XX | XX | XX | XX | XX | NC | 1/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2250 | XX | XX | XX | XX | XX | XX | GA | 1/XX/2009 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2009 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2619 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2668 | XX | XX | XX | XX | XX | XX | LA | 9/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2226 | XX | XX | XX | XX | XX | XX | SC | 8/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2435 | XX | XX | XX | XX | XX | XX | KY | 8/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2103 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2008 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2628 | XX | XX | XX | XX | XX | XX | MO | 6/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2064 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2008 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR HUD Deficiency |
| 2699 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2008 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  | Yes | TR Indeterminable D |
| 2118 | XX | XX | XX | XX | XX | XX | VA | 5/XX/2008 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2754 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2008 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2316 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2003 | XX | XX | XX | XX | XX | XX | NY | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  | - B |
| 1987 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2317 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2583 | XX | XX | XX | XX | XX | XX | IL | 3/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2880 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2446 | XX | XX | XX | XX | XX | XX | OH | 2/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2378 | XX | XX | XX | XX | XX | XX | AL | 2/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Alabama Late Charge Percent and Amount Testing: Alabama Late Charge: Note late charge amount of $113.21 exceeds the state maximum of $100. |  |  |  |  |  | - B |
| 1950 | XX | XX | XX | XX | XX | XX | NJ | 2/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2041 | XX | XX | XX | XX | XX | XX | NY | 2/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $379,738.81 is underdisclosed from calculated Finance Charge of $379,873.27 in the amount of $134.46. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine underdisclosure due to missing Fee Itemization. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2760 | XX | XX | XX | XX | XX | XX | TX | 2/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2412 | XX | XX | XX | XX | XX | XX | TN | 1/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2655 | XX | XX | XX | XX | XX | XX | KS | 1/XX/2008 | Investment | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2736 | XX | XX | XX | XX | XX | XX | TX | 1/XX/2008 | Second Home | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1944 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): TILA ROR Form - The Third Circuit has prior rulings that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form. Creditors are required to use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2038 | XX | XX | XX | XX | XX | XX | NY | 1/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2613 | XX | XX | XX | XX | XX | XX | IL | 1/XX/2008 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2539 | XX | XX | XX | XX | XX | XX | IA | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2692 | XX | XX | XX | XX | XX | XX | OK | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2377 | XX | XX | XX | XX | XX | XX | AL | 12/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2228 | XX | XX | XX | XX | XX | XX | SC | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2869 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - B |
| 2268 | XX | XX | XX | XX | XX | XX | GA | 12/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2234 | XX | XX | XX | XX | XX | XX | SC | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | - B |
| 2712 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2084 | XX | XX | XX | XX | XX | XX | PA | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2127 | XX | XX | XX | XX | XX | XX | MD | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2072 | XX | XX | XX | XX | XX | XX | PA | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2100 | XX | XX | XX | XX | XX | XX | PA | 12/XX/2007 | Investment | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2594 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $302,577.45 is underdisclosed from calculated Finance Charge of $302,822.45 in the amount of $245.00. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a $200 subordination fee, a $25 email fee or $50 of the $200 settlement fee as prepaid finance charge. In addition, TIL itemization over disclosed courier fee $30. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2442 | XX | XX | XX | XX | XX | XX | OH | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): "The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure."<br>State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2173 | XX | XX | XX | XX | XX | XX | VA | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2009 | XX | XX | XX | XX | XX | XX | NY | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $558,002.65 is underdisclosed from calculated Finance Charge of $560,771.80 in the amount of $2,769.15. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine due to missing final TIL Itemization |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2886 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| 2805 | XX | XX | XX | XX | XX | XX | NM | 11/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2322 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2896 | XX | XX | XX | XX | XX | XX | HI | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 1889 | XX | XX | XX | XX | XX | XX | MA | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2586 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file is indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2081 | XX | XX | XX | XX | XX | XX | PA | 11/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit)<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2767 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2866 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2744 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2247 | XX | XX | XX | XX | XX | XX | GA | 10/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2508 | XX | XX | XX | XX | XX | XX | MI | 10/XX/2007 | Investment | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1960 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit)<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2244 | XX | XX | XX | XX | XX | XX | GA | 10/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2661 | XX | XX | XX | XX | XX | XX | LA | 9/XX/2007 | Investment | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1918 | XX | XX | XX | XX | XX | XX | CT | 9/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2627 | XX | XX | XX | XX | XX | XX | MO | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Yes | TR HUD Deficiency |
| 2232 | XX | XX | XX | XX | XX | XX | SC | 9/XX/2007 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2451 | XX | XX | XX | XX | XX | XX | OH | 9/XX/2007 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1928 | XX | XX | XX | XX | XX | XX | CT | 9/XX/2007 | Investment | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2764 | XX | XX | XX | XX | XX | XX | TX | 9/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2593 | XX | XX | XX | XX | XX | XX | IL | 9/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  | - B |
| 2578 | XX | XX | XX | XX | XX | XX | IL | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| 2299 | XX | XX | XX | XX | XX | XX | FL | 9/XX/2007 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2548 | XX | XX | XX | XX | XX | XX | WI | 9/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2883 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2007 | UTD | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2246 | XX | XX | XX | XX | XX | XX | GA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is<br> not dated by borrower so cannot confirm when borrower received the TIL. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2804 | XX | XX | XX | XX | XX | XX | NM | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2520 | XX | XX | XX | XX | XX | XX | MI | 8/XX/2007 | Second Home | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2610 | XX | XX | XX | XX | XX | XX | IL | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2537 | XX | XX | XX | XX | XX | XX | IA | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2493 | XX | XX | XX | XX | XX | XX | IN | 8/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2170 | XX | XX | XX | XX | XX | XX | VA | 8/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2468 | XX | XX | XX | XX | XX | XX | OH | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1933 | XX | XX | XX | XX | XX | XX | NJ | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $534,679.70 is underdisclosed from calculated Finance Charge of $534,807.84 in the amount of $128.14. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1962 | XX | XX | XX | XX | XX | XX | NJ | 8/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2086 | XX | XX | XX | XX | XX | XX | PA | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| 2430 | XX | XX | XX | XX | XX | XX | MS | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2790 | XX | XX | XX | XX | XX | XX | AZ | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $228,372.87 is underdisclosed from calculated Finance Charge of $228,494.03 in the amount of $121.16.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine due to missing final TIL Itemization<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2071 | XX | XX | XX | XX | XX | XX | PA | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2039 | XX | XX | XX | XX | XX | XX | NY | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2131 | XX | XX | XX | XX | XX | XX | MD | 7/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2188 | XX | XX | XX | XX | XX | XX | WV | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $252,049.37 is underdisclosed from calculated Finance Charge of $252,177.35 in the amount of $127.98. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to MI. The TIL Payment Stream shows the MI staying on for 77 months. The Actual Payment Stream has MI staying on for 79 months. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2899 | XX | XX | XX | XX | XX | XX | HI | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2124 | XX | XX | XX | XX | XX | XX | MD | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2055 | XX | XX | XX | XX | XX | XX | PA | 7/XX/2007 | Investment | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2720 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2608 | XX | XX | XX | XX | XX | XX | IL | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 2181 | XX | XX | XX | XX | XX | XX | VA | 7/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1959 | XX | XX | XX | XX | XX | XX | NJ | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency (UAL State) |
| 2742 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2756 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2391 | XX | XX | XX | XX | XX | XX | TN | 7/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2223 | XX | XX | XX | XX | XX | XX | NC | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $123,913.00 is underdisclosed from calculated Finance Charge of $124,388.00 in the amount of $475.00. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2600 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2535 | XX | XX | XX | XX | XX | XX | MI | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2130 | XX | XX | XX | XX | XX | XX | MD | 6/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2818 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 2797 | XX | XX | XX | XX | XX | XX | AZ | 6/XX/2007 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | TNR Testing Not Required D |
| 2211 | XX | XX | XX | XX | XX | XX | NC | 6/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2028 | XX | XX | XX | XX | XX | XX | NY | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2890 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Yes | TR HUD Deficiency |
| 2864 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1888 | XX | XX | XX | XX | XX | XX | MA | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2343 | XX | XX | XX | XX | XX | XX | FL | 6/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1949 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2806 | XX | XX | XX | XX | XX | XX | NM | 5/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2481 | XX | XX | XX | XX | XX | XX | IN | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2602 | XX | XX | XX | XX | XX | XX | IL | 5/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1979 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Yes | TR HUD Deficiency (UAL State) |
| 1972 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 2676 | XX | XX | XX | XX | XX | XX | AR | 6/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2108 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1976 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2297 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2279 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2674 | XX | XX | XX | XX | XX | XX | LA | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $306,453.53 is underdisclosed from calculated Finance Charge of $306,672.41 in the amount of $218.88. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The TIL Itemization did not disclose a recording service fee of $210 as a prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2445 | XX | XX | XX | XX | XX | XX | OH | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): "The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure." |  |  | - B |
| 2807 | XX | XX | XX | XX | XX | XX | NM | 5/XX/2007 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency (UAL State) |
| 1990 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2538 | XX | XX | XX | XX | XX | XX | IA | 4/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2549 | XX | XX | XX | XX | XX | XX | WI | 4/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2734 | XX | XX | XX | XX | XX | XX | TX | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2313 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1977 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2588 | XX | XX | XX | XX | XX | XX | IL | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $304,588.19 is underdisclosed from calculated Finance Charge of $304,624.32 in the amount of $36.13. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose a TI Set Up fee of $75 as a prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2004 | XX | XX | XX | XX | XX | XX | NY | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $493,479.20 is underdisclosed from calculated Finance Charge of $494,509.20 in the amount of $1,030.00.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2657 | XX | XX | XX | XX | XX | XX | NE | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2788 | XX | XX | XX | XX | XX | XX | AZ | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Yes | TR HUD Deficiency |
| 2891 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 2741 | XX | XX | XX | XX | XX | XX | TX | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $139,559.42 is underdisclosed from calculated Finance Charge of $139,780.94 in the amount of $221.52. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure appears to be fee related. Unable to determine underdisclosure due to missing Fee Itemization. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2713 | XX | XX | XX | XX | XX | XX | TX | 4/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2225 | XX | XX | XX | XX | XX | XX | SC | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2332 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is<br> not dated by borrower so cannot confirm when borrower received the TIL. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2326 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2568 | XX | XX | XX | XX | XX | XX | MN | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2421 | XX | XX | XX | XX | XX | XX | TN | 3/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1999 | XX | XX | XX | XX | XX | XX | NY | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2671 | XX | XX | XX | XX | XX | XX | LA | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2812 | XX | XX | XX | XX | XX | XX | NV | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 2393 | XX | XX | XX | XX | XX | XX | TN | 3/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2021 | XX | XX | XX | XX | XX | XX | NY | 3/XX/2007 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2330 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2429 | XX | XX | XX | XX | XX | XX | MS | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2461 | XX | XX | XX | XX | XX | XX | OH | 3/XX/2007 | Investment | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2353 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1943 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2776 | XX | XX | XX | XX | XX | XX | ID | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2336 | XX | XX | XX | XX | XX | XX | FL | 2/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2139 | XX | XX | XX | XX | XX | XX | MD | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2233 | XX | XX | XX | XX | XX | XX | SC | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR HUD Deficiency |
| 2240 | XX | XX | XX | XX | XX | XX | GA | 2/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2093 | XX | XX | XX | XX | XX | XX | PA | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2626 | XX | XX | XX | XX | XX | XX | MO | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2140 | XX | XX | XX | XX | XX | XX | MD | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Yes | TR Indeterminable D |
| 1946 | XX | XX | XX | XX | XX | XX | NJ | 2/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2731 | XX | XX | XX | XX | XX | XX | TX | 2/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $374,332.14 is underdisclosed from calculated Finance Charge of $375,369.92 in the amount of $1,037.78. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to lender TIL reflects MI Level, however actual MI Cert shows step level. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2005 | XX | XX | XX | XX | XX | XX | NY | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2475 | XX | XX | XX | XX | XX | XX | IN | 1/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1966 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2879 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $103,959.14 is underdisclosed from calculated Finance Charge of $104,038.68 in the amount of $79.54.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final. Expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received the TIL. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2512 | XX | XX | XX | XX | XX | XX | MI | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| 2598 | XX | XX | XX | XX | XX | XX | IL | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1964 | XX | XX | XX | XX | XX | XX | NJ | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2484 | XX | XX | XX | XX | XX | XX | IN | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2159 | XX | XX | XX | XX | XX | XX | VA | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2304 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2180 | XX | XX | XX | XX | XX | XX | VA | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2623 | XX | XX | XX | XX | XX | XX | IL | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2649 | XX | XX | XX | XX | XX | XX | KS | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1998 | XX | XX | XX | XX | XX | XX | NY | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: Unable to determine if loan file contains CHARM Booklet due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2612 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2253 | XX | XX | XX | XX | XX | XX | GA | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  | - B |
| 2519 | XX | XX | XX | XX | XX | XX | MI | 11/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2212 | XX | XX | XX | XX | XX | XX | NC | 10/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  | - B |
| 2533 | XX | XX | XX | XX | XX | XX | MI | 11/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2503 | XX | XX | XX | XX | XX | XX | MI | 11/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2215 | XX | XX | XX | XX | XX | XX | NC | 11/XX/2006 | Investment | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2686 | XX | XX | XX | XX | XX | XX | OK | 11/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - B |
| 2235 | XX | XX | XX | XX | XX | XX | SC | 10/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] State Compliance - South Carolina Home Loan (No Tangible Net Benefit): Unable to test tangible net benefit due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $344,533.68 is underdisclosed from calculated Finance Charge of $344,622.77 in the amount of $89.09. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>State Compliance - South Carolina Home Loan (No Tangible Net Benefit): Assignee Liability: The Act provides that the making of a consumer home loan or a high cost home loan that violates the home loan or high cost provisions is a violation of the law and the borrower has a right in action, other than a class action, to recover from the lender or party charged with the violation. It appears that assignees and purchasers would be subject to this liability. Damages can include actual damages, and a penalty of not less than $1,500 and not more than $7,500 for each loan transaction. Class actions are prohibited. A court may refuse to enforce an agreement that violates the Act. Costs and attorney fees may also be awarded.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2205 | XX | XX | XX | XX | XX | XX | NC | 10/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $86,046.83 is underdisclosed from calculated Finance Charge of $86,547.05 in the amount of $500.22. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose an Attorney Fee of $450 and a Courier Fee of $43.20 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2860 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2557 | XX | XX | XX | XX | XX | XX | WI | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2359 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2146 | XX | XX | XX | XX | XX | XX | MD | 10/XX/2006 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Maryland Property Insurance (Property Insurance Exceeds Replacement Value): Maryland HB649: Property insurance exceeds the replacement value of the property.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Maryland Property Insurance (Property Insurance Exceeds Replacement Value): HB 1447 does not contain express provisions for assignee liability. |  |  | - B |
| 2303 | XX | XX | XX | XX | XX | XX | FL | 9/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2472 | XX | XX | XX | XX | XX | XX | IN | 9/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $101,853.33 is underdisclosed from calculated Finance Charge of $102,018.08 in the amount of $164.75. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization did not disclose the release tracking fee of $20, settlement fee of $43.75, courier fee of $20, warehousing fee of $49 and wire fee of $32 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2774 | XX | XX | XX | XX | XX | XX | ID | 9/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. |  |  | State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): The Residential Mortgage Practices Act does not appear to provide for assignee liability. |  |  | - B |
| 2651 | XX | XX | XX | XX | XX | XX | KS | 9/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1897 | XX | XX | XX | XX | XX | XX | MA | 9/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2873 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2682 | XX | XX | XX | XX | XX | XX | AR | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $86,249.36 is underdisclosed from calculated Finance Charge of $86,569.36 in the amount of $320.00. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization only disclosed discount charges in the amount of $1325 and final HUD reflects $1600. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR HUD Deficiency |
| 2441 | XX | XX | XX | XX | XX | XX | OH | 8/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2089 | XX | XX | XX | XX | XX | XX | PA | 8/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1951 | XX | XX | XX | XX | XX | XX | NJ | 8/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2835 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2006 | Primary | Purchase |  | 2 | [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Maximum prepay allowed is 6 months interest calculated on 80% of the original balance ($5,724.00). Loan contracts for maximum calculated prepay of $8,250.18, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2672 | XX | XX | XX | XX | XX | XX | LA | 8/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1907 | XX | XX | XX | XX | XX | XX | MA | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2909 | XX | XX | XX | XX | XX | XX | WA | 8/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2615 | XX | XX | XX | XX | XX | XX | IL | 7/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2333 | XX | XX | XX | XX | XX | XX | FL | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 2216 | XX | XX | XX | XX | XX | XX | NC | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $202,386.70 is underdisclosed from calculated Finance Charge of $202,536.70 in the amount of $150.00. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The itemization of amount financed did not include the closing fee of $150 as a prepaid finance charge. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2666 | XX | XX | XX | XX | XX | XX | LA | 7/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $135,795.85 is underdisclosed from calculated Finance Charge of $136,059.35 in the amount of $263.50. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a $13.50 flood cert fee, a $225 recording fee or a $25 courier fee as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2096 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2006 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Illegible HUD-1 Used For Fee Testing Material: Missing Final HUD-1: Illegible HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  | No | TNR Testing Not Required D |
| 2092 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2070 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $260,093.16 is underdisclosed from calculated Finance Charge of $260,142.67 in the amount of $49.51. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a closing closing protection letter of $35 as prepaid finance charge. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2422 | XX | XX | XX | XX | XX | XX | MS | 6/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2698 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2728 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2006 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2230 | XX | XX | XX | XX | XX | XX | SC | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | - B |
| 2222 | XX | XX | XX | XX | XX | XX | NC | 6/XX/2006 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2320 | XX | XX | XX | XX | XX | XX | FL | 6/XX/2006 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| 2179 | XX | XX | XX | XX | XX | XX | VA | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2277 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $150,617.03 is underdisclosed from calculated Finance Charge of $150,736.36 in the amount of $119.33. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine unnder disclosure due to missing Itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2153 | XX | XX | XX | XX | XX | XX | MD | 5/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: Unable to determine if loan file contains CHARM Booklet due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2810 | XX | XX | XX | XX | XX | XX | NV | 5/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2217 | XX | XX | XX | XX | XX | XX | NC | 5/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2577 | XX | XX | XX | XX | XX | XX | MT | 5/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2847 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed or initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1948 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2715 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2006 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1921 | XX | XX | XX | XX | XX | XX | CT | 5/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2267 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2199 | XX | XX | XX | XX | XX | XX | NC | 4/XX/2006 | Investment | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2556 | XX | XX | XX | XX | XX | XX | WI | 4/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2394 | XX | XX | XX | XX | XX | XX | TN | 4/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2218 | XX | XX | XX | XX | XX | XX | NC | 4/XX/2006 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 2647 | XX | XX | XX | XX | XX | XX | KS | 4/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1937 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2769 | XX | XX | XX | XX | XX | XX | CO | 4/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1890 | XX | XX | XX | XX | XX | XX | MA | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2492 | XX | XX | XX | XX | XX | XX | IN | 3/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2340 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2766 | XX | XX | XX | XX | XX | XX | TX | 3/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2151 | XX | XX | XX | XX | XX | XX | MD | 3/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2795 | XX | XX | XX | XX | XX | XX | AZ | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2887 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2759 | XX | XX | XX | XX | XX | XX | TX | 3/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2859 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $177,365.65 is underdisclosed from calculated Finance Charge of $177,526.63 in the amount of $160.98.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is<br> not signed or dated by borrower so cannot confirm that borrower received |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2032 | XX | XX | XX | XX | XX | XX | NY | 3/XX/2006 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 2136 | XX | XX | XX | XX | XX | XX | MD | 2/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 2690 | XX | XX | XX | XX | XX | XX | OK | 2/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2644 | XX | XX | XX | XX | XX | XX | MO | 2/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2352 | XX | XX | XX | XX | XX | XX | FL | 1/XX/2006 | Second Home | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2789 | XX | XX | XX | XX | XX | XX | AZ | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  | Yes | TR HUD Deficiency |
| 2837 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2007 | XX | XX | XX | XX | XX | XX | NY | 1/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2656 | XX | XX | XX | XX | XX | XX | NE | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Nebraska Mortgage Bankers Registration and Licensing Act (Broker Notice Not Provided): Nebraska Mortgage Bankers Registration and Licensing Act: Mortgage broker has received compensation from the borrower without providing a written agreement to the borrower. |  |  | State Compliance - Nebraska Mortgage Bankers Registration and Licensing Act (Broker Notice Not Provided): Assignee Liability: The Anti-Predatory lending provisions arising under the Act extend to persons licensed under the Act. In turn, the Act requires a license of any person acting as a "mortgage banker", which includes, among other activities, acquiring and selling ten or more mortgage loans in a calendar year. Therefore, assignees and purchasers would qualify as "mortgage bankers," and would therefore be subject to the enforcement mechanisms in the Act for any compliance failure that the assignee itself commits. However, failure to comply with the Act will not affect the validity or enforceability of any mortgage loan. Further, a person acquiring a mortgage loan or an interest in a mortgage loan is not required to ascertain the extent of compliance with the Act. |  |  | - B |
| 2465 | XX | XX | XX | XX | XX | XX | OH | 12/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2327 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2735 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1903 | XX | XX | XX | XX | XX | XX | MA | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  |  | - B |
| 2611 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2005 | Investment | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - B |
| 2853 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing Material: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | Yes | TR Indeterminable D |
| 2552 | XX | XX | XX | XX | XX | XX | WI | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2550 | XX | XX | XX | XX | XX | XX | WI | 10/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2606 | XX | XX | XX | XX | XX | XX | IL | 10/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2011 | XX | XX | XX | XX | XX | XX | NY | 9/XX/2005 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2040 | XX | XX | XX | XX | XX | XX | NY | 9/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2908 | XX | XX | XX | XX | XX | XX | WA | 9/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2559 | XX | XX | XX | XX | XX | XX | WI | 9/XX/2005 | Primary | Refinance Rate/Term |  | 3 | [3] Closing / Title - Missing Document: HUD-1 Addendum not provided<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. | Closing / Title - Missing Document: HUD-1 Addendum not provided: HUD line 1305 reflects "see additional disbursement exhibit", however, the exhibit was not located. $13108.32 added to payoffs. No fees included in HC testing. |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Tested | TR Tested D |
| 2911 | XX | XX | XX | XX | XX | XX | WA | 9/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | Yes | TR Indeterminable D |
| 2724 | XX | XX | XX | XX | XX | XX | TX | 9/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2099 | XX | XX | XX | XX | XX | XX | PA | 9/XX/2005 | Investment | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2379 | XX | XX | XX | XX | XX | XX | AL | 9/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2791 | XX | XX | XX | XX | XX | XX | AZ | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR Indeterminable D |
| 1919 | XX | XX | XX | XX | XX | XX | CT | 8/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2214 | XX | XX | XX | XX | XX | XX | NC | 8/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2018 | XX | XX | XX | XX | XX | XX | NY | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2295 | XX | XX | XX | XX | XX | XX | FL | 8/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1925 | XX | XX | XX | XX | XX | XX | CT | 8/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $254,750.79 is underdisclosed from calculated Finance Charge of $255,075.20 in the amount of $324.41. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2862 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2501 | XX | XX | XX | XX | XX | XX | MI | 8/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $191,131.17 is underdisclosed from calculated Finance Charge of $192,174.27 in the amount of $1,043.10. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The Lender's TIL reflects MI dropping off after 61 months, however, the audited TIL indicates MI should drop off after 77 months. |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2487 | XX | XX | XX | XX | XX | XX | IN | 8/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2751 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2005 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2796 | XX | XX | XX | XX | XX | XX | AZ | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR Indeterminable D |
| 2683 | XX | XX | XX | XX | XX | XX | AR | 8/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 2704 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2284 | XX | XX | XX | XX | XX | XX | GA | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2801 | XX | XX | XX | XX | XX | XX | AZ | 7/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2269 | XX | XX | XX | XX | XX | XX | GA | 7/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2403 | XX | XX | XX | XX | XX | XX | TN | 7/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2006 | XX | XX | XX | XX | XX | XX | NY | 7/XX/2005 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2324 | XX | XX | XX | XX | XX | XX | FL | 6/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2193 | XX | XX | XX | XX | XX | XX | NC | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1932 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2872 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2005 | Investment | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | No | TNR Testing Not Required D |
| 1895 | XX | XX | XX | XX | XX | XX | MA | 6/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2097 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2029 | XX | XX | XX | XX | XX | XX | NY | 6/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2536 | XX | XX | XX | XX | XX | XX | IA | 5/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $84,867.44 is underdisclosed from calculated Finance Charge of $85,182.44 in the amount of $315.00. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemzation of amount financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2079 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2300 | XX | XX | XX | XX | XX | XX | FL | 9/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Miscellaneous Compliance - (Doc Error) RTC Error: Right to Cancel expiration date is blank.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Unable to test RTC expiration date due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Miscellaneous Compliance - (Doc Error) RTC Error: Right to Cancel expiration date is blank.: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2904 | XX | XX | XX | XX | XX | XX | OR | 5/XX/2005 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2189 | XX | XX | XX | XX | XX | XX | WV | 5/XX/2005 | Second Home | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2561 | XX | XX | XX | XX | XX | XX | WI | 5/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2642 | XX | XX | XX | XX | XX | XX | MO | 5/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2185 | XX | XX | XX | XX | XX | XX | VA | 5/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 1953 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2861 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2005 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Yes | TR HUD Deficiency |
| 2381 | XX | XX | XX | XX | XX | XX | AL | 4/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2034 | XX | XX | XX | XX | XX | XX | NY | 3/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2183 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2622 | XX | XX | XX | XX | XX | XX | IL | 3/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2054 | XX | XX | XX | XX | XX | XX | PA | 3/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2829 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2266 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2574 | XX | XX | XX | XX | XX | XX | MN | 2/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2755 | XX | XX | XX | XX | XX | XX | TX | 2/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2077 | XX | XX | XX | XX | XX | XX | PA | 2/XX/2005 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2773 | XX | XX | XX | XX | XX | XX | ID | 1/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 01/XX/2005 used as disbursement date for compliance testing.<br> [2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. |  |  | State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): The Residential Mortgage Practices Act does not appear to provide for assignee liability. |  |  | - B |
| 2362 | XX | XX | XX | XX | XX | XX | AL | 1/XX/2005 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2646 | XX | XX | XX | XX | XX | XX | KS | 1/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2091 | XX | XX | XX | XX | XX | XX | PA | 12/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2135 | XX | XX | XX | XX | XX | XX | MD | 1/XX/2005 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $147,061.59 is underdisclosed from calculated Finance Charge of $147,425.15 in the amount of $363.56. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2329 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2318 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2000 | XX | XX | XX | XX | XX | XX | NY | 12/XX/2004 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2310 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2142 | XX | XX | XX | XX | XX | XX | MD | 11/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $164,317.78 is underdisclosed from calculated Finance Charge of $164,567.78 in the amount of $250.00. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL does not include PMI |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2881 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1910 | XX | XX | XX | XX | XX | XX | MA | 10/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2592 | XX | XX | XX | XX | XX | XX | IL | 10/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2175 | XX | XX | XX | XX | XX | XX | VA | 10/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2036 | XX | XX | XX | XX | XX | XX | NY | 10/XX/2004 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2813 | XX | XX | XX | XX | XX | XX | NV | 9/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | Yes | TR HUD Deficiency |
| 2366 | XX | XX | XX | XX | XX | XX | AL | 9/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2004, prior to three (3) business days from transaction date of 09/XX/2004. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1994 | XX | XX | XX | XX | XX | XX | NY | 9/XX/2004 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 2059 | XX | XX | XX | XX | XX | XX | PA | 8/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $123,329.63 is underdisclosed from calculated Finance Charge of $130,672.41 in the amount of $7,342.78. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to lender used unknown index below 2.1938% minimum index in look back |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2305 | XX | XX | XX | XX | XX | XX | FL | 7/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2286 | XX | XX | XX | XX | XX | XX | GA | 7/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $91,302.42 is underdisclosed from calculated Finance Charge of $91,715.42 in the amount of $413.00.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2624 | XX | XX | XX | XX | XX | XX | IL | 7/XX/2004 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2057 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2569 | XX | XX | XX | XX | XX | XX | MN | 5/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2488 | XX | XX | XX | XX | XX | XX | IN | 6/XX/2004 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 2822 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2004 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 1924 | XX | XX | XX | XX | XX | XX | CT | 5/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2375 | XX | XX | XX | XX | XX | XX | AL | 5/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2227 | XX | XX | XX | XX | XX | XX | SC | 5/XX/2004 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 2518 | XX | XX | XX | XX | XX | XX | MI | 5/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2345 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2004 | Second Home | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2434 | XX | XX | XX | XX | XX | XX | KY | 4/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2480 | XX | XX | XX | XX | XX | XX | IN | 4/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $77,427.36 is underdisclosed from calculated Finance Charge of $77,677.36 in the amount of $250.00. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2463 | XX | XX | XX | XX | XX | XX | OH | 4/XX/2004 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2821 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | Yes | TR HUD Deficiency |
| 2636 | XX | XX | XX | XX | XX | XX | MO | 3/XX/2004 | UTD | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1911 | XX | XX | XX | XX | XX | XX | RI | 3/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2428 | XX | XX | XX | XX | XX | XX | MS | 2/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  | - B |
| 2506 | XX | XX | XX | XX | XX | XX | MI | 1/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2004, prior to three (3) business days from transaction date of 01/XX/2004. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2090 | XX | XX | XX | XX | XX | XX | PA | 12/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2905 | XX | XX | XX | XX | XX | XX | WA | 12/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2590 | XX | XX | XX | XX | XX | XX | IL | 12/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2708 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2154 | XX | XX | XX | XX | XX | XX | MD | 10/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2392 | XX | XX | XX | XX | XX | XX | TN | 11/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2793 | XX | XX | XX | XX | XX | XX | AZ | 10/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2003, prior to three (3) business days from transaction date of 10/XX/2003.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | Yes | TR HUD Deficiency |
| 2485 | XX | XX | XX | XX | XX | XX | IN | 9/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2500 | XX | XX | XX | XX | XX | XX | MI | 9/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2012 | XX | XX | XX | XX | XX | XX | NY | 9/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2563 | XX | XX | XX | XX | XX | XX | MN | 9/XX/2003 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2149 | XX | XX | XX | XX | XX | XX | MD | 9/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2826 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2050 | XX | XX | XX | XX | XX | XX | NY | 8/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $88,634.55 is underdisclosed from calculated Finance Charge of $88,701.00 in the amount of $66.45. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a courier fee of $32 as a prepaid finance charge; and Under disclosure is due to the lender's TIL reflecting MI being in force for 43 months, however based on the loan amount and appraised value the MI would be in force for 44 months. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2601 | XX | XX | XX | XX | XX | XX | IL | 8/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2706 | XX | XX | XX | XX | XX | XX | TX | 9/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| 1899 | XX | XX | XX | XX | XX | XX | MA | 8/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2095 | XX | XX | XX | XX | XX | XX | PA | 7/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1908 | XX | XX | XX | XX | XX | XX | MA | 7/XX/2003 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 2462 | XX | XX | XX | XX | XX | XX | OH | 7/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2815 | XX | XX | XX | XX | XX | XX | NV | 6/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2231 | XX | XX | XX | XX | XX | XX | SC | 7/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $146,152.66 is underdisclosed from calculated Finance Charge of $146,338.14 in the amount of $185.48. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2409 | XX | XX | XX | XX | XX | XX | TN | 7/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $280,654.70 is underdisclosed from calculated Finance Charge of $282,098.01 in the amount of $1,443.31. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1912 | XX | XX | XX | XX | XX | XX | NH | 7/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2836 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2003 | Second Home | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2339 | XX | XX | XX | XX | XX | XX | FL | 6/XX/2003 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 2617 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2051 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $137,772.47 is underdisclosed from calculated Finance Charge of $137,821.90 in the amount of $49.43.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to lender did no include $46.50 courier fee as prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2016 | XX | XX | XX | XX | XX | XX | NY | 6/XX/2003 | UTD | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2587 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 2489 | XX | XX | XX | XX | XX | XX | IN | 5/XX/2003 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2710 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 2738 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2386 | XX | XX | XX | XX | XX | XX | AL | 5/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2505 | XX | XX | XX | XX | XX | XX | MI | 5/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2906 | XX | XX | XX | XX | XX | XX | WA | 5/XX/2003 | Investment | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | No | TNR Testing Not Required D |
| 2502 | XX | XX | XX | XX | XX | XX | MI | 5/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2257 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2003 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $182,085.97 is underdisclosed from calculated Finance Charge of $184,020.97 in the amount of $1,935.00. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine underdisclosure due to missing Fee Itemization. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR HUD Deficiency |
| 2290 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2003 | Investment | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| 2289 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2003 | UTD | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1954 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2202 | XX | XX | XX | XX | XX | XX | NC | 5/XX/2003 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2273 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2288 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2003 | UTD | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2348 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2553 | XX | XX | XX | XX | XX | XX | WI | 2/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2558 | XX | XX | XX | XX | XX | XX | WI | 2/XX/2003 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2650 | XX | XX | XX | XX | XX | XX | KS | 1/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 1900 | XX | XX | XX | XX | XX | XX | MA | 12/XX/2002 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2049 | XX | XX | XX | XX | XX | XX | NY | 12/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2777 | XX | XX | XX | XX | XX | XX | ID | 12/XX/2002 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $121,694.04 is underdisclosed from calculated Finance Charge of $122,084.84 in the amount of $390.80. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose $375.00 Settlement Fee as a prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR HUD Deficiency |
| 2387 | XX | XX | XX | XX | XX | XX | AL | 11/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $106,321.87 is underdisclosed from calculated Finance Charge of $106,411.82 in the amount of $89.95.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2002, prior to three (3) business days from transaction date of 11/XX/2002. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization only disclosed attorney charges in the amount of $500 and final HUD reflects $600 |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2719 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2701 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $302,267.68 is underdisclosed from calculated Finance Charge of $303,686.14 in the amount of $1,418.46. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender's TIL reflecting MI being in force for 120 months, however based on the loan amount and appraised value the MI would be in force for 167 months. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2437 | XX | XX | XX | XX | XX | XX | KY | 11/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1892 | XX | XX | XX | XX | XX | XX | MA | 10/XX/2002 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2405 | XX | XX | XX | XX | XX | XX | TN | 10/XX/2002 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2634 | XX | XX | XX | XX | XX | XX | MO | 10/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2573 | XX | XX | XX | XX | XX | XX | MN | 10/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2491 | XX | XX | XX | XX | XX | XX | IN | 7/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 2739 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2002 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2174 | XX | XX | XX | XX | XX | XX | VA | 6/XX/2002 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 2085 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2002 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2066 | XX | XX | XX | XX | XX | XX | PA | 2/XX/2002 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 2069 | XX | XX | XX | XX | XX | XX | PA | 3/XX/2002 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2002 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2494 | XX | XX | XX | XX | XX | XX | IN | 2/XX/2002 | Investment | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2319 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2001 | UTD | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 2255 | XX | XX | XX | XX | XX | XX | GA | 10/XX/2001 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2275 | XX | XX | XX | XX | XX | XX | GA | 11/XX/2001 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 2779 | XX | XX | XX | XX | XX | XX | UT | 7/XX/2001 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2705 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2001 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2784 | XX | XX | XX | XX | XX | XX | AZ | 6/XX/2001 | UTD | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1927 | XX | XX | XX | XX | XX | XX | CT | 4/XX/2001 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2184 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2001 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2687 | XX | XX | XX | XX | XX | XX | OK | 8/XX/2000 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2258 | XX | XX | XX | XX | XX | XX | GA | 11/XX/1999 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 11/XX/1999 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2195 | XX | XX | XX | XX | XX | XX | NC | 3/XX/2000 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2530 | XX | XX | XX | XX | XX | XX | MI | 8/XX/1999 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2746 | XX | XX | XX | XX | XX | XX | TX | 7/XX/1999 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1999 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2662 | XX | XX | XX | XX | XX | XX | LA | 8/XX/1999 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Louisiana Late Charge Percent Testing: Louisiana Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.<br> [2] State Compliance - Louisiana Prepayment Penalty: Louisiana Prepayment Penalty: Maximum penalty allowed per state is 5%, 4%, 3%, 2%, 1% (in Years 1-5). Loan contracts for prepay percentages of 3.87500%, 3.87500%, 3.87500%, 3.87500%, 3.87500%, which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| 2115 | XX | XX | XX | XX | XX | XX | DE | 12/XX/1998 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 2371 | XX | XX | XX | XX | XX | XX | AL | 12/XX/1997 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1997 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2486 | XX | XX | XX | XX | XX | XX | IN | 9/XX/1996 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 2443 | XX | XX | XX | XX | XX | XX | OH | 12/XX/1994 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1994 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1994 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2019 | XX | XX | XX | XX | XX | XX | NY | 12/XX/1993 | Primary | Refinance Rate/Term |  | 3 | [3] Closing / Title - Missing Document: Note - Subject Lien not provided<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $157,660.71 is underdisclosed from calculated Finance Charge of $158,320.71 in the amount of $660.00. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an attorney fee of $570, a courier fee of $20, a doc signing fee of $75, a tax service fee of $33 or a courier fee of $15 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 2707 | XX | XX | XX | XX | XX | XX | TX | 10/XX/1993 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/1993 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 454 | XX | XX | XX | XX | XX | XX | NJ | 11/XX/2015 | Primary | Purchase | Safe Harbor QM | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | Federal Compliance - Check Loan Designation Match - QM: Loan does not meet Temp SHQM after being tested due to: Calculated PITIA months reserves of 1.04 is less than AUS PITIA months reserves of 2.00. |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | TILA ATR/QM B C |
| 523 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2017 | Primary | Refinance Cash-out - Debt Consolidation | Temporary SHQM (GSE/Agency Eligible) | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Temporary SHQM (GSE/Agency Eligible) matches the Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible).<br> [2] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2017 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XX/12/2017)<br> [2] Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure. | Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: Homeowners insurance listed as $995 for 12 months under prepaids. Actual monthly fee is $84.34 x 12 = $1012.08. Renewal in file indicates annual premium of $1,012.<br> Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: Title Agent fee incorrectly reflected in section B versus C. Title Agent no indicated on SSPL. | REVIEWER - CURED COMMENT (2017-11-30): Received Loan Designation. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 942 | XX | XX | XX | XX | XX | XX | NC | 12/XX/2014 | Investment | Purchase | N/A | 2 | [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. |  |  | - B |
| 436 | XX | XX | XX | XX | XX | XX | MA | 5/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 437 | XX | XX | XX | XX | XX | XX | MA | 8/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 438 | XX | XX | XX | XX | XX | XX | MA | 7/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 439 | XX | XX | XX | XX | XX | XX | MA | 2/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 440 | XX | XX | XX | XX | XX | XX | MA | 11/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 441 | XX | XX | XX | XX | XX | XX | MA | 1/XX/2010 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 442 | XX | XX | XX | XX | XX | XX | MA | 12/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  |  |  |  | - B |
| 443 | XX | XX | XX | XX | XX | XX | MA | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  |  | - B |
| 444 | XX | XX | XX | XX | XX | XX | MA | 8/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 445 | XX | XX | XX | XX | XX | XX | MA | 6/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 446 | XX | XX | XX | XX | XX | XX | MA | 3/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 447 | XX | XX | XX | XX | XX | XX | MA | 7/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 448 | XX | XX | XX | XX | XX | XX | RI | 7/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 449 | XX | XX | XX | XX | XX | XX | NH | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 450 | XX | XX | XX | XX | XX | XX | CT | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not provided to all parties whose ownership interest is or will be subject to the security interest. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 451 | XX | XX | XX | XX | XX | XX | CT | 8/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 452 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 453 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 455 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  |  | - B |
| 456 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 457 | XX | XX | XX | XX | XX | XX | NY | 7/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,246,940.60 is underdisclosed from calculated Finance Charge of $1,248,597.20 in the amount of $1,656.60. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose the Escrow service fee of $1946.62 as a prepaid finance charge. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 458 | XX | XX | XX | XX | XX | XX | NY | 10/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 459 | XX | XX | XX | XX | XX | XX | NY | 7/XX/2007 | UTD | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] State Compliance - New York Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | State Compliance - New York Late Charge Grace Period Testing: Note grace period of 10 days is less than 15 day minimum per state of NY. |  | Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR Indeterminable D |
| 460 | XX | XX | XX | XX | XX | XX | PA | 4/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 461 | XX | XX | XX | XX | XX | XX | PA | 11/XX/1998 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/1998.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 462 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 463 | XX | XX | XX | XX | XX | XX | PA | 2/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 464 | XX | XX | XX | XX | XX | XX | PA | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  | - B |
| 465 | XX | XX | XX | XX | XX | XX | DE | 3/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 466 | XX | XX | XX | XX | XX | XX | DC | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 467 | XX | XX | XX | XX | XX | XX | MD | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  | - B |
| 468 | XX | XX | XX | XX | XX | XX | MD | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 469 | XX | XX | XX | XX | XX | XX | MD | 8/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2008. |  |  |  |  |  | - B |
| 470 | XX | XX | XX | XX | XX | XX | MD | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 471 | XX | XX | XX | XX | XX | XX | MD | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $765,249.40 is underdisclosed from calculated Finance Charge of $765,289.36 in the amount of $39.96. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an assignment recording fee of $40 as prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 472 | XX | XX | XX | XX | XX | XX | MD | 1/XX/2008 | Primary | Refinance Limited Cash-out GSE |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 473 | XX | XX | XX | XX | XX | XX | MD | 7/XX/2007 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | TNR Testing Not Required D |
| 474 | XX | XX | XX | XX | XX | XX | MD | 6/XX/2007 | Investment | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  | - B |
| 475 | XX | XX | XX | XX | XX | XX | MD | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not provided to all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL in file appears to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 476 | XX | XX | XX | XX | XX | XX | MD | 4/XX/2005 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 477 | XX | XX | XX | XX | XX | XX | VA | 6/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 478 | XX | XX | XX | XX | XX | XX | VA | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 479 | XX | XX | XX | XX | XX | XX | VA | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 480 | XX | XX | XX | XX | XX | XX | VA | 2/XX/2000 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2000 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 481 | XX | XX | XX | XX | XX | XX | VA | 10/XX/2002 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 482 | XX | XX | XX | XX | XX | XX | WV | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 483 | XX | XX | XX | XX | XX | XX | NC | 4/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 484 | XX | XX | XX | XX | XX | XX | NC | 9/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.<br> [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2003, prior to three (3) business days from transaction date of 09/XX/2003. |  |  | Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 485 | XX | XX | XX | XX | XX | XX | NC | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 486 | XX | XX | XX | XX | XX | XX | NC | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 487 | XX | XX | XX | XX | XX | XX | NC | 11/XX/2001 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2001.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 488 | XX | XX | XX | XX | XX | XX | NC | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 489 | XX | XX | XX | XX | XX | XX | NC | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 490 | XX | XX | XX | XX | XX | XX | NC | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 491 | XX | XX | XX | XX | XX | XX | GA | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  | REVIEWER - GENERAL COMMENT (2017-11-10): Unable to clear- TIL provided is not signed by the borrower | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 492 | XX | XX | XX | XX | XX | XX | GA | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 493 | XX | XX | XX | XX | XX | XX | GA | 12/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. |  |  |  |  |  | - B |
| 494 | XX | XX | XX | XX | XX | XX | GA | 12/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 495 | XX | XX | XX | XX | XX | XX | GA | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 496 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $177,967.21 is underdisclosed from calculated Finance Charge of $178,354.11 in the amount of $386.90. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization did not include $210 Attorney Fee, $10 Flood Cert and $200 Lock Deposit Fee in the prepaid finance charges. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 497 | XX | XX | XX | XX | XX | XX | GA | 1/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 498 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 499 | XX | XX | XX | XX | XX | XX | GA | 10/XX/2005 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 500 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 501 | XX | XX | XX | XX | XX | XX | GA | 1/XX/2007 | Primary | Refinance Cash-out - Home Improvement |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,231,519.32 is underdisclosed from calculated Finance Charge of $1,231,637.84 in the amount of $118.52. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 502 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2006 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $144,137.60 is underdisclosed from calculated Finance Charge of $144,690.38 in the amount of $552.78.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 503 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  | REVIEWER - GENERAL COMMENT (2017-11-02): No impact on High Cost testing, regraded to EV2-B | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 504 | XX | XX | XX | XX | XX | XX | AL | 7/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2009.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $79,151.59 is underdisclosed from calculated Finance Charge of $79,494.04 in the amount of $342.45. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a settlement fee or $275 and a courier fee of $45. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 505 | XX | XX | XX | XX | XX | XX | TN | 3/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 506 | XX | XX | XX | XX | XX | XX | KY | 9/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  | - B |
| 507 | XX | XX | XX | XX | XX | XX | OH | 1/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 508 | XX | XX | XX | XX | XX | XX | OH | 11/XX/2001 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 509 | XX | XX | XX | XX | XX | XX | OH | 6/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 510 | XX | XX | XX | XX | XX | XX | IN | 7/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 511 | XX | XX | XX | XX | XX | XX | IN | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 512 | XX | XX | XX | XX | XX | XX | MI | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 513 | XX | XX | XX | XX | XX | XX | MI | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 514 | XX | XX | XX | XX | XX | XX | MI | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007. |  | REVIEWER - GENERAL COMMENT (2017-11-02): No impact on High Cost testing, regraded to EV2-B | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 515 | XX | XX | XX | XX | XX | XX | MI | 2/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 516 | XX | XX | XX | XX | XX | XX | IA | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 517 | XX | XX | XX | XX | XX | XX | IA | 2/XX/2007 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $119,536.35 is underdisclosed from calculated Finance Charge of $120,120.81 in the amount of $584.46. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure caused by the payment calculation and Broker Fee $XX not included in the amount financed. The under disclosure is reduced by an over disclosure of Closing fee $300 and Lender Doc prep fee $250.00 not charged on the HUD. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 518 | XX | XX | XX | XX | XX | XX | IA | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 519 | XX | XX | XX | XX | XX | XX | WI | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 520 | XX | XX | XX | XX | XX | XX | WI | 12/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 521 | XX | XX | XX | XX | XX | XX | MN | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: Unable to determine if loan file contains CHARM Booklet due to missing information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 522 | XX | XX | XX | XX | XX | XX | IL | 9/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $92,319.89 is underdisclosed from calculated Finance Charge of $92,910.76 in the amount of $590.87. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose a processing fee in the amount of $250, an Application fee of $300, a Courier fee of 15 and a Doc Service Fee of $25 as prepaid finance charges. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 524 | XX | XX | XX | XX | XX | XX | IL | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 525 | XX | XX | XX | XX | XX | XX | MO | 8/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 526 | XX | XX | XX | XX | XX | XX | MO | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 527 | XX | XX | XX | XX | XX | XX | MO | 4/XX/2004 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 528 | XX | XX | XX | XX | XX | XX | MO | 4/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 529 | XX | XX | XX | XX | XX | XX | LA | 8/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $94,345.68 is underdisclosed from calculated Finance Charge of $94,581.11 in the amount of $235.43. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a closing protection letter fee of $25 and a recording service fee of $335 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 530 | XX | XX | XX | XX | XX | XX | LA | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 531 | XX | XX | XX | XX | XX | XX | LA | 11/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  | - B |
| 532 | XX | XX | XX | XX | XX | XX | AR | 6/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 533 | XX | XX | XX | XX | XX | XX | AR | 8/XX/2007 | Investment | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  | - B |
| 534 | XX | XX | XX | XX | XX | XX | OK | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $231,026.60 is underdisclosed from calculated Finance Charge of $231,146.82 in the amount of $120.22. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 535 | XX | XX | XX | XX | XX | XX | OK | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 536 | XX | XX | XX | XX | XX | XX | OK | 6/XX/2006 | UTD | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR Indeterminable D |
| 537 | XX | XX | XX | XX | XX | XX | TX | 10/XX/1999 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/1999 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 538 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2005 | UTD | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 539 | XX | XX | XX | XX | XX | XX | TX | 9/XX/2003 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 540 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $60,177.44 is underdisclosed from calculated Finance Charge of $60,301.61 in the amount of $124.17. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Finance charges are under disclosed due to Settlement Fee of $275.00. Per the Itemization, Settlement or Closing fee was $125.00. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 541 | XX | XX | XX | XX | XX | XX | TX | 2/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $39,158.97 is underdisclosed from calculated Finance Charge of $39,535.48 in the amount of $376.51. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for under disclosure due to missing TIL Itemization of amount financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 542 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2004 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. | Miscellaneous Compliance - Initial TIL not provided: Missing Initial TIL |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 543 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2006 | Second Home | Construction-Permanent |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  | No | TNR Testing Not Required D |
| 544 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  | - B |
| 545 | XX | XX | XX | XX | XX | XX | CO | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 546 | XX | XX | XX | XX | XX | XX | AZ | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 547 | XX | XX | XX | XX | XX | XX | AZ | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 548 | XX | XX | XX | XX | XX | XX | NM | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 549 | XX | XX | XX | XX | XX | XX | NV | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 550 | XX | XX | XX | XX | XX | XX | NV | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,363,862.93 is underdisclosed from calculated Finance Charge of $1,364,061.04 in the amount of $198.11.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 551 | XX | XX | XX | XX | XX | XX | NV | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 552 | XX | XX | XX | XX | XX | XX | NV | 1/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 553 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  | REVIEWER - GENERAL COMMENT (2017-11-02): No impact on High Cost testing, regraded to EV2-B | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 554 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 555 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2006 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | No | TNR Testing Not Required D |
| 556 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2007 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  | REVIEWER - GENERAL COMMENT (2017-11-10): Unable to clear-HUD provided is not signed by the borrower or stamped by the settlement agent | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR HUD Deficiency |
| 557 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 558 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $340,384.47 is underdisclosed from calculated Finance Charge of $340,580.00 in the amount of $195.53. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 559 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 560 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2005 | Investment | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | No | TNR Testing Not Required D |
| 561 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 562 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  |  |  |  | - B |
| 563 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 564 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $564,948.59 is underdisclosed from calculated Finance Charge of $586,054.98 in the amount of $21,106.39. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 2.935%. The lowest Index available within the look-back period is 3.08%. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 565 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.<br> [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.<br> [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 566 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.<br> [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR Indeterminable D |
| 567 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 568 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,400,210.50 is underdisclosed from calculated Finance Charge of $1,400,846.55 in the amount of $636.05. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the TIL itemization only disclosing prepaid interest in the amount of $156 (1 day) however the loan funded on 10/25 which is 7 days of interest. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 569 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 570 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 571 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 572 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 573 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.<br> [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.<br> [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 574 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 575 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2004 | UTD | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.<br> [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 576 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $331,434.92 is underdisclosed from calculated Finance Charge of $331,967.12 in the amount of $532.20.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 577 | XX | XX | XX | XX | XX | XX | HI | 1/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 578 | XX | XX | XX | XX | XX | XX | HI | 12/XX/2006 | Second Home | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 579 | XX | XX | XX | XX | XX | XX | HI | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 580 | XX | XX | XX | XX | XX | XX | OR | 5/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 581 | XX | XX | XX | XX | XX | XX | OR | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 582 | XX | XX | XX | XX | XX | XX | OR | 4/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  | REVIEWER - GENERAL COMMENT (2017-11-10): Unable to clear- Final HUD provided is an unsigned copy- The signed copy received is the estimated copy | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 583 | XX | XX | XX | XX | XX | XX | WA | 12/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007. |  |  |  |  |  | - B |
| 584 | XX | XX | XX | XX | XX | XX | WA | 2/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 991 | XX | XX | XX | XX | XX | XX | MA | 6/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  | - B |
| 992 | XX | XX | XX | XX | XX | XX | NJ | 2/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007. |  |  |  |  |  | - B |
| 993 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| 994 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2007 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  | SELLER - GENERAL COMMENT (2018-04-10): HUD provided.<br> REVIEWER - GENERAL COMMENT (2018-04-10): HUD received is from the purchase of the subject property in 08/2006, per tape the HUD is for a refinance from 05/2007. | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR Indeterminable D |
| 995 | XX | XX | XX | XX | XX | XX | NY | 3/XX/2005 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  |  |  |  | - B |
| 996 | XX | XX | XX | XX | XX | XX | PA | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 997 | XX | XX | XX | XX | XX | XX | MD | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  | - B |
| 998 | XX | XX | XX | XX | XX | XX | MD | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 999 | XX | XX | XX | XX | XX | XX | SC | 3/XX/2009 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2008.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | - B |
| 1000 | XX | XX | XX | XX | XX | XX | IL | 12/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1001 | XX | XX | XX | XX | XX | XX | CO | 3/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.<br> [2] State Compliance - (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | State Compliance - (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP Expired. Prepayment charge not allowed per state of CO - Prepayment penalties in state are not allowed and note states prepayment at 6 Months interest with in the first 24 months. |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1002 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $462,245.78 is underdisclosed from calculated Finance Charge of $462,553.52 in the amount of $307.74. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1003 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1004 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1005 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1006 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - High Cost Indicator Flag: Loan does not exceed any high cost thresholds, however, documentation indicating loan was originated as a high cost loan found in file.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. | Federal Compliance - High Cost Indicator Flag: Loan file contains a signed disclosure which is labeled "Truth-in-Lending Disclosure (For Section 32 Mortgages)". |  |  |  |  | - B |
| 1007 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2006 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR HUD Deficiency |
| 1008 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1009 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1010 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1011 | XX | XX | XX | XX | XX | XX | WA | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  |  |  |  | - B |
| 923 | XX | XX | XX | XX | XX | XX | MA | 6/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 924 | XX | XX | XX | XX | XX | XX | MA | 1/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 01/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 01/XX/2005. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 925 | XX | XX | XX | XX | XX | XX | CT | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 926 | XX | XX | XX | XX | XX | XX | CT | 6/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 927 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  | - B |
| 928 | XX | XX | XX | XX | XX | XX | NY | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 929 | XX | XX | XX | XX | XX | XX | NY | 6/XX/2011 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 930 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 931 | XX | XX | XX | XX | XX | XX | NY | 6/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.<br> [2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state. | State Compliance - New York Late Charge Percent Testing: Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5% |  |  |  |  | - B |
| 932 | XX | XX | XX | XX | XX | XX | NY | 2/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 933 | XX | XX | XX | XX | XX | XX | PA | 1/XX/2008 | Investment | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  | - B |
| 934 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 935 | XX | XX | XX | XX | XX | XX | PA | 9/XX/1997 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 936 | XX | XX | XX | XX | XX | XX | PA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 937 | XX | XX | XX | XX | XX | XX | MD | 7/XX/2009 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2009 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 938 | XX | XX | XX | XX | XX | XX | VA | 1/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 939 | XX | XX | XX | XX | XX | XX | VA | 10/XX/2012 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Federal HPML 2009 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.05431% or Final Disclosure APR of 5.06300% is in excess of allowable threshold of APOR 3.41% + 1.5%, or 4.91000%. Non-Compliant Higher Priced Mortgage Loan.<br> [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified): Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date : Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2012.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: An Initial Application was not provided. |  | Federal Compliance - Federal HPML 2009 Non Compliant: TILA HPML - Subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 940 | XX | XX | XX | XX | XX | XX | NC | 5/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2002. |  |  |  |  |  | - B |
| 941 | XX | XX | XX | XX | XX | XX | NC | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 943 | XX | XX | XX | XX | XX | XX | SC | 3/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 944 | XX | XX | XX | XX | XX | XX | SC | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 945 | XX | XX | XX | XX | XX | XX | SC | 3/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | - B |
| 946 | XX | XX | XX | XX | XX | XX | GA | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 947 | XX | XX | XX | XX | XX | XX | GA | 5/XX/1998 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1997.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $260,483.25 is underdisclosed from calculated Finance Charge of $261,114.83 in the amount of $631.58. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure. Unable to use Seller credit of $5,600 on line 206 due to missing breakdown to apply credit. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 948 | XX | XX | XX | XX | XX | XX | GA | 9/XX/2001 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 949 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2002 | Primary | Refinance UTD |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2001.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2002, prior to three (3) business days from transaction date of 05/XX/2002. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 950 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 951 | XX | XX | XX | XX | XX | XX | FL | 1/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 952 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 953 | XX | XX | XX | XX | XX | XX | FL | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  |  |  |  | - B |
| 954 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2006 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 955 | XX | XX | XX | XX | XX | XX | FL | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  | - B |
| 956 | XX | XX | XX | XX | XX | XX | TN | 2/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 957 | XX | XX | XX | XX | XX | XX | MS | 5/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2002, prior to three (3) business days from transaction date of 05/XX/2002.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 958 | XX | XX | XX | XX | XX | XX | OH | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Demand Feature): Ohio Consumer Sales Practices Act: Mortgage loan contains an impermissible demand feature.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $853,360.77 is underdisclosed from calculated Finance Charge of $853,679.65 in the amount of $318.88. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Verified all fees to itemization of amount financed, unable to determine reason for under disclosure. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Demand Feature): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 959 | XX | XX | XX | XX | XX | XX | OH | 9/XX/2001 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2001.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 960 | XX | XX | XX | XX | XX | XX | IN | 10/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 961 | XX | XX | XX | XX | XX | XX | IN | 4/XX/2004 | Primary | Refinance Streamlined |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 962 | XX | XX | XX | XX | XX | XX | MI | 3/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| 963 | XX | XX | XX | XX | XX | XX | WI | 7/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 964 | XX | XX | XX | XX | XX | XX | IL | 7/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 965 | XX | XX | XX | XX | XX | XX | IL | 8/XX/2008 | Second Home | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 966 | XX | XX | XX | XX | XX | XX | IL | 9/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 967 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 968 | XX | XX | XX | XX | XX | XX | CO | 6/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2004, prior to three (3) business days from transaction date of 06/XX/2004. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 969 | XX | XX | XX | XX | XX | XX | AZ | 2/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 970 | XX | XX | XX | XX | XX | XX | NV | 5/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. |  |  | Federal Compliance - ARM Disclosure Compliant: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 971 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 972 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  |  |  |  | - B |
| 973 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $641,603.33 is underdisclosed from calculated Finance Charge of $661,767.92 in the amount of $20,164.59. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under-disclosure appears to be due to ARM index. Lowest index within look back period is 4.2306% |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 974 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 975 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2001 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2001.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 976 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 977 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 978 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2005 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. |  |  |  |  | Yes | TR Indeterminable D |
| 979 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - B |
| 980 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 981 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 982 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 983 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2007 | Primary | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 984 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 985 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2004 | Investment | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  | - B |
| 986 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  |  |  |  | - B |
| 987 | XX | XX | XX | XX | XX | XX | OR | 7/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2008, prior to three (3) business days from transaction date of 07/XX/2008. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 988 | XX | XX | XX | XX | XX | XX | OR | 7/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $110,511.37 is underdisclosed from calculated Finance Charge of $111,723.13 in the amount of $1,211.76. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The itemization included the $1,143.20 MIP refund to reduce the prepaid finance charges. The $50 government service fee was not included in the prepaid finance charges. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 989 | XX | XX | XX | XX | XX | XX | OR | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - B |
| 990 | XX | XX | XX | XX | XX | XX | WA | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR Indeterminable D |
| 833 | XX | XX | XX | XX | XX | XX | VI | 10/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 834 | XX | XX | XX | XX | XX | XX | MA | 6/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 835 | XX | XX | XX | XX | XX | XX | MA | 5/XX/2001 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2001. |  |  |  |  |  | - B |
| 836 | XX | XX | XX | XX | XX | XX | CT | 6/XX/2004 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 837 | XX | XX | XX | XX | XX | XX | NJ | 4/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $336,501.28 is underdisclosed from calculated Finance Charge of $336,547.73 in the amount of $46.45. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the fee under disclosure due to missing the itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 838 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 839 | XX | XX | XX | XX | XX | XX | NY | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 840 | XX | XX | XX | XX | XX | XX | NY | 9/XX/2007 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 841 | XX | XX | XX | XX | XX | XX | NY | 3/XX/1990 | Primary | Purchase |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/1990 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 842 | XX | XX | XX | XX | XX | XX | NY | 7/XX/2004 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 843 | XX | XX | XX | XX | XX | XX | NY | 10/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. |  |  |  |  |  | - B |
| 844 | XX | XX | XX | XX | XX | XX | PA | 12/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 845 | XX | XX | XX | XX | XX | XX | PA | 10/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  |  |  |  | - B |
| 846 | XX | XX | XX | XX | XX | XX | PA | 2/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR HUD Deficiency |
| 847 | XX | XX | XX | XX | XX | XX | DC | 4/XX/2010 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2010.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: Unable to determine if the HUD-1 column on page 3 of the Final HUD-1 is accurate as compared to the charges on page 2 of the disclosure due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 indicates the loan contains an escrow payment due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual interest rate due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual Loan Amount due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Loan Term on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual Loan Term due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual payment due to missing information.<br> [2] Federal Compliance - RESPA - Incorrect HUD-1 Form Used: Unable to determine if the Final HUD-1 Settlement Statement is on the proper 2010 form due to missing information.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Missing evidence of application date. |  | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Term on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Incorrect HUD-1 Form Used: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 848 | XX | XX | XX | XX | XX | XX | VA | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  | - B |
| 849 | XX | XX | XX | XX | XX | XX | MD | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 850 | XX | XX | XX | XX | XX | XX | MD | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  | - B |
| 851 | XX | XX | XX | XX | XX | XX | MD | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 852 | XX | XX | XX | XX | XX | XX | MD | 1/XX/2007 | Second Home | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 853 | XX | XX | XX | XX | XX | XX | VA | 1/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 854 | XX | XX | XX | XX | XX | XX | VA | 11/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  | Federal Compliance - ARM Disclosure Compliant: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 855 | XX | XX | XX | XX | XX | XX | VA | 3/XX/1997 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/1997 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/1996. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 856 | XX | XX | XX | XX | XX | XX | VA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 857 | XX | XX | XX | XX | XX | XX | VA | 1/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $142,820.26 is underdisclosed from calculated Finance Charge of $143,015.32 in the amount of $195.06. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 858 | XX | XX | XX | XX | XX | XX | VA | 4/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2006, prior to three (3) business days from transaction date of 04/XX/2006. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 859 | XX | XX | XX | XX | XX | XX | VA | 6/XX/2007 | Investment | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.<br> [2] State Compliance - Note Error: Note late charge percentage exceeds maximum per state<br> [2] State Compliance - Virginia Late Charge Percent Testing: Note late charge exceeds maximum per state. | State Compliance - Note Error: Note late charge percentage exceeds maximum per state: Late charge of 6% exceeds (VA) State maximum of 5%.<br> State Compliance - Virginia Late Charge Percent Testing: Late charge of 6% exceeds state (VA) maximum of 5%. |  |  |  |  | - B |
| 860 | XX | XX | XX | XX | XX | XX | NC | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $152,182.23 is underdisclosed from calculated Finance Charge of $152,404.90 in the amount of $222.67. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to Email fee $75 not on itemization and Lender over estimated Settlement fee by $125 |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 861 | XX | XX | XX | XX | XX | XX | NC | 3/XX/2008 | Investment | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 862 | XX | XX | XX | XX | XX | XX | NC | 4/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 863 | XX | XX | XX | XX | XX | XX | SC | 1/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 864 | XX | XX | XX | XX | XX | XX | SC | 1/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | - B |
| 865 | XX | XX | XX | XX | XX | XX | FL | 9/XX/2005 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 866 | XX | XX | XX | XX | XX | XX | FL | 8/XX/2005 | UTD | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 867 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 868 | XX | XX | XX | XX | XX | XX | FL | 2/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $404,021.72 is underdisclosed from calculated Finance Charge of $404,233.69 in the amount of $211.97. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose service charges of $20.00, a tax service fee of $72.00, a courier fee of $70.00, a recording service charge of $15.00 and a wire fee of $35.00 as prepaid finance charges. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 869 | XX | XX | XX | XX | XX | XX | FL | 3/XX/2005 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 870 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. |  |  |  |  |  | - B |
| 871 | XX | XX | XX | XX | XX | XX | FL | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  | - B |
| 872 | XX | XX | XX | XX | XX | XX | AL | 10/XX/2005 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 873 | XX | XX | XX | XX | XX | XX | AL | 7/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004. |  |  |  |  |  | - B |
| 874 | XX | XX | XX | XX | XX | XX | TN | 11/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 875 | XX | XX | XX | XX | XX | XX | OH | 12/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003. |  |  |  |  |  | - B |
| 876 | XX | XX | XX | XX | XX | XX | OH | 4/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $224,434.10 is underdisclosed from calculated Finance Charge of $224,965.13 in the amount of $531.03. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a settlement fee of $489.00, a wire fee of $20.00, an assignment recording fee of $30.00 and a courier fee of $11.90 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 877 | XX | XX | XX | XX | XX | XX | OH | 6/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004. |  |  |  |  |  | - B |
| 878 | XX | XX | XX | XX | XX | XX | MI | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| 879 | XX | XX | XX | XX | XX | XX | MI | 10/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| 880 | XX | XX | XX | XX | XX | XX | MI | 3/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| 881 | XX | XX | XX | XX | XX | XX | MN | 2/XX/2008 | Primary | Purchase |  | 2 | [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation.<br> [2] State Compliance - (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold): Minnesota Subprime Loan: APR on subject loan of 7.56351% or Final Disclosure APR of 7.63800% is in excess of allowable threshold of USTreasury 4.5400% + 3%, or 7.54000%. Compliant Subprime Loan. |  |  | State Compliance - (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold): Assignee liability is unclear. Purchasers and assignees of Minnesota mortgage loans would not appear to be liable for violations of the Act. However, effective 8/XX/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. |  |  | - B |
| 882 | XX | XX | XX | XX | XX | XX | MN | 1/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 883 | XX | XX | XX | XX | XX | XX | MN | 1/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $206,080.68 is underdisclosed from calculated Finance Charge of $206,150.77 in the amount of $70.09. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a courier fee of $70 as prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 884 | XX | XX | XX | XX | XX | XX | LA | 6/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 885 | XX | XX | XX | XX | XX | XX | LA | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $213,474.64 is underdisclosed from calculated Finance Charge of $213,929.98 in the amount of $455.34. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for under disclosure due to missing itemization of amount financed. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 886 | XX | XX | XX | XX | XX | XX | OK | 3/XX/2002 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $226,781.83 is underdisclosed from calculated Finance Charge of $226,831.95 in the amount of $50.12. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a courier fee of $40 or an assessment letter fee of $10 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 887 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2006 | Primary | Refinance Limited Cash-out GSE |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 888 | XX | XX | XX | XX | XX | XX | TX | 3/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 889 | XX | XX | XX | XX | XX | XX | TX | 4/XX/2001 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $132,089.68 is underdisclosed from calculated Finance Charge of $132,304.27 in the amount of $214.59. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 890 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2005 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 891 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 892 | XX | XX | XX | XX | XX | XX | TX | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 893 | XX | XX | XX | XX | XX | XX | TX | 9/XX/2006 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  |  |  |  | - B |
| 894 | XX | XX | XX | XX | XX | XX | TX | 9/XX/2004 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 895 | XX | XX | XX | XX | XX | XX | CO | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - B |
| 896 | XX | XX | XX | XX | XX | XX | AZ | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 897 | XX | XX | XX | XX | XX | XX | AZ | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 898 | XX | XX | XX | XX | XX | XX | NV | 9/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 899 | XX | XX | XX | XX | XX | XX | NV | 4/XX/1999 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 900 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 01/XX/2008. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR Indeterminable D |
| 901 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008. |  |  |  |  |  | - B |
| 902 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2003 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 903 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  | - B |
| 904 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 905 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 906 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 907 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 908 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  |  |  |  | - B |
| 909 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 910 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $415,779.49 is underdisclosed from calculated Finance Charge of $415,908.74 in the amount of $129.25. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for under disclosure due to missing itemization of amount financed. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 911 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 912 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 913 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 914 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2003 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 915 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 916 | XX | XX | XX | XX | XX | XX | CA | 12/XX/2005 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | TNR Testing Not Required D |
| 917 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 918 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR Indeterminable D |
| 919 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 920 | XX | XX | XX | XX | XX | XX | WA | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  | - B |
| 921 | XX | XX | XX | XX | XX | XX | WA | 8/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 922 | XX | XX | XX | XX | XX | XX | WA | 6/XX/2003 | Investment | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2003. |  |  |  |  |  | - B |
| 1012 | XX | XX | XX | XX | XX | XX | MA | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1013 | XX | XX | XX | XX | XX | XX | MA | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] State Compliance - Massachusetts Borrower's Interest Tangible Net Benefit Test: Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Massachusetts Borrower's Interest Tangible Net Benefit Test: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  |  | State - NC |
| 1014 | XX | XX | XX | XX | XX | XX | MA | 4/XX/2007 | Primary | Refinance UTD |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1015 | XX | XX | XX | XX | XX | XX | NJ | 7/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1016 | XX | XX | XX | XX | XX | XX | NJ | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $216,825.50 is underdisclosed from calculated Finance Charge of $216,936.63 in the amount of $111.13.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1017 | XX | XX | XX | XX | XX | XX | NY | 12/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1018 | XX | XX | XX | XX | XX | XX | NY | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1019 | XX | XX | XX | XX | XX | XX | NY | 11/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1020 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2009 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2008. |  |  |  |  |  | - B |
| 1021 | XX | XX | XX | XX | XX | XX | NY | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 1022 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $603,415.75 is underdisclosed from calculated Finance Charge of $603,463.08 in the amount of $47.33. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a recording service fee of $67.50 as a prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1023 | XX | XX | XX | XX | XX | XX | NY | 1/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. |  |  |  |  |  | - B |
| 1024 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1025 | XX | XX | XX | XX | XX | XX | NY | 2/XX/2002 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2002, prior to three (3) business days from transaction date of 02/XX/2002.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1026 | XX | XX | XX | XX | XX | XX | NY | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. | Miscellaneous Compliance - (Doc Error) Initial GFE not provided: Missing GFEs |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1027 | XX | XX | XX | XX | XX | XX | NY | 9/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1028 | XX | XX | XX | XX | XX | XX | NY | 9/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $67,528.06 is underdisclosed from calculated Finance Charge of $67,953.17 in the amount of $425.11. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the under-disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1029 | XX | XX | XX | XX | XX | XX | NY | 5/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $103,936.18 is underdisclosed from calculated Finance Charge of $104,347.01 in the amount of $410.83.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure $410.83 due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1030 | XX | XX | XX | XX | XX | XX | PA | 9/XX/2004 | Primary | Construction-Permanent |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  |  |  |  | - B |
| 1031 | XX | XX | XX | XX | XX | XX | PA | 10/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1032 | XX | XX | XX | XX | XX | XX | PA | 5/XX/2007 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1033 | XX | XX | XX | XX | XX | XX | PA | 6/XX/2007 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  |  |  |  | - B |
| 1034 | XX | XX | XX | XX | XX | XX | PA | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 1035 | XX | XX | XX | XX | XX | XX | DE | 10/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $192,727.02 is underdisclosed from calculated Finance Charge of $193,436.45 in the amount of $709.43. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The source of under disclosure cannot be determined due to the missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1036 | XX | XX | XX | XX | XX | XX | DC | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1037 | XX | XX | XX | XX | XX | XX | DC | 3/XX/1998 | Primary | Purchase |  | 2 | [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  | - B |
| 1038 | XX | XX | XX | XX | XX | XX | DC | 7/XX/2011 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. | Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: The Servicing Disclosure is dated 7/XX/2011, the application date is 5/XX/2011. |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1039 | XX | XX | XX | XX | XX | XX | MD | 8/XX/2003 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 1040 | XX | XX | XX | XX | XX | XX | VA | 8/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $101,771.72 is underdisclosed from calculated Finance Charge of $102,174.18 in the amount of $402.46. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a flood certification fee of $25, settlement/closing costs of $295 or a courier fee of $30 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1041 | XX | XX | XX | XX | XX | XX | NC | 7/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1042 | XX | XX | XX | XX | XX | XX | SC | 2/XX/2004 | Primary | Construction-Permanent |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2004 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1043 | XX | XX | XX | XX | XX | XX | GA | 7/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1044 | XX | XX | XX | XX | XX | XX | GA | 2/XX/2009 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2009.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1045 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2005 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1046 | XX | XX | XX | XX | XX | XX | FL | 6/XX/1996 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/1996 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/1995. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1047 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2004 | Primary | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 1048 | XX | XX | XX | XX | XX | XX | AL | 7/XX/1999 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1999 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 1049 | XX | XX | XX | XX | XX | XX | TN | 9/XX/2004 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1050 | XX | XX | XX | XX | XX | XX | MS | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 1051 | XX | XX | XX | XX | XX | XX | OH | 12/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1052 | XX | XX | XX | XX | XX | XX | OH | 11/XX/2001 | Primary | Refinance Streamlined |  | 2 | [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 1053 | XX | XX | XX | XX | XX | XX | TX | 1/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $177,881.80 is underdisclosed from calculated Finance Charge of $182,425.25 in the amount of $4,543.45. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The TIL payment streams do not reflect the terms of the note. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1054 | XX | XX | XX | XX | XX | XX | UT | 11/XX/2010 | Primary | Refinance Streamlined |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2010 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2010.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure dated 4/XX/2010. |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 1055 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 1056 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2002 | Investment | Refinance Cash-out - Home Improvement |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001. |  |  |  |  | No | TNR Testing Not Required D |
| 1057 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2002 | Investment | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2002 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  | No | TNR Testing Not Required D |
| 1058 | XX | XX | XX | XX | XX | XX | HI | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 1059 | XX | XX | XX | XX | XX | XX | WA | 9/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.<br> [2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.02500% is underdisclosed from calculated APR of 7.40046% outside of 0.125% tolerance.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,228,935.50 is underdisclosed from calculated Finance Charge of $1,328,834.36 in the amount of $99,898.86.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Closing instructions indicate the Index used was 4.110%. The lowest Index available within the look-back period is 4.49%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was4.110%. The lowest Index available within the look-back period is 4.49%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 585 | XX | XX | XX | XX | XX | XX | MA | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  |  | - B |
| 586 | XX | XX | XX | XX | XX | XX | MA | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  | REVIEWER - GENERAL COMMENT (2017-11-15): CHD-5015- Exception downgraded due to non-material affect on subject loan | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 587 | XX | XX | XX | XX | XX | XX | NJ | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 588 | XX | XX | XX | XX | XX | XX | NJ | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 589 | XX | XX | XX | XX | XX | XX | NJ | 10/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $997,819.64 is underdisclosed from calculated Finance Charge of $999,826.17 in the amount of $2,006.53. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization included a loan discount fee credit of $2,388.50 partially offset by an itemized application fee of $395 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 590 | XX | XX | XX | XX | XX | XX | NJ | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  | REVIEWER - GENERAL COMMENT (2017-11-15): CHD-5015- Exception downgraded due to non-material affect on subject loan | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 591 | XX | XX | XX | XX | XX | XX | NY | 1/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 592 | XX | XX | XX | XX | XX | XX | PA | 10/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.<br> [2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $384,920.53 is underdisclosed from calculated Finance Charge of $385,215.43 in the amount of $294.90. | State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Grace period of 10 days does not meet the 15 days allowed for the state of Pennsylvania.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a loan discount fee of $250 and a tax lien certificates fee of $45 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 593 | XX | XX | XX | XX | XX | XX | DE | 12/XX/2004 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 594 | XX | XX | XX | XX | XX | XX | DC | 12/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 595 | XX | XX | XX | XX | XX | XX | MD | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 596 | XX | XX | XX | XX | XX | XX | MD | 9/XX/2012 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - First Change Date on GFE Inaccurate: RESPA (2010): First Change Date on GFE does not match First Change Date on Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Taxes and Insurance Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the maximum escrow payment on the loan during the first five (5) years of the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5) years for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA ARM Introductory Rate Disclosure - Introductory Period Inaccurate: Truth in Lending Act (MDIA 2011): Adjustable rate introductory period on Final TIL does not match introductory period for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Escrow Amount Inaccurate : Truth in Lending Act (MDIA 2011): The "Maximum Ever" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the maximum escrow payment that may apply during the life of the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the life of the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - First Change Date on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Taxes and Insurance Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA ARM Introductory Rate Disclosure - Introductory Period Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Escrow Amount Inaccurate : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 597 | XX | XX | XX | XX | XX | XX | MD | 2/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2001. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 598 | XX | XX | XX | XX | XX | XX | MD | 12/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $361,534.35 is underdisclosed from calculated Finance Charge of $361,724.45 in the amount of $190.10. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the fee under disclosure due to missing the itemization of amount financed. |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 599 | XX | XX | XX | XX | XX | XX | VA | 5/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  |  |  |  | - B |
| 600 | XX | XX | XX | XX | XX | XX | VA | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $84,374.00 is underdisclosed from calculated Finance Charge of $84,749.74 in the amount of $375.74.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 601 | XX | XX | XX | XX | XX | XX | VA | 9/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] State Compliance - Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): The secondary market purchase of a loan does not trigger coverage of the statute. |  |  | - B |
| 602 | XX | XX | XX | XX | XX | XX | VA | 10/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: Unable to determine if loan file contains CHARM Booklet due to missing information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 603 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 604 | XX | XX | XX | XX | XX | XX | VA | 4/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR Indeterminable D |
| 605 | XX | XX | XX | XX | XX | XX | VA | 10/XX/2008 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 606 | XX | XX | XX | XX | XX | XX | VA | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 607 | XX | XX | XX | XX | XX | XX | NC | 3/XX/2000 | Primary | Refinance Rate/Term |  | 3 | [3] State Compliance - North Carolina CHL Tangible Net Benefit Test: North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 12.40000% is underdisclosed from calculated APR of 12.53407% outside of 0.125% tolerance.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | State Compliance - North Carolina CHL Tangible Net Benefit Test: Assignee liability is unclear. A holder of the loan may be exposed to the consequences if the loan is deemed usurious, resulting in forfeiture of all interest and return of twice the interest paid, or if the violation constitutes a deceptive act or practice, subjecting the holder to treble damages, but not both.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | State - NC |
| 608 | XX | XX | XX | XX | XX | XX | NC | 9/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  | - B |
| 609 | XX | XX | XX | XX | XX | XX | NC | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  | REVIEWER - GENERAL COMMENT (2017-11-15): CHD-5015- Exception downgraded due to non-material affect on subject loan | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 610 | XX | XX | XX | XX | XX | XX | NC | 11/XX/2001 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001. |  |  |  |  |  | - B |
| 611 | XX | XX | XX | XX | XX | XX | NC | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 612 | XX | XX | XX | XX | XX | XX | NC | 7/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 613 | XX | XX | XX | XX | XX | XX | NC | 6/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  | - B |
| 614 | XX | XX | XX | XX | XX | XX | NC | 8/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008.<br> [2] State Compliance - North Carolina Rate Spread Threshold Test: North Carolina Rate Spread Home Loan: APR on subject loan of 11.69940% or Final Disclosure APR of 11.70000% is in excess of allowable threshold of US Treasury 4.7900% + 3%, or 7.79000% and Conventional Mortgage Rate 6.3700% + 1.75%, or 8.12000%. Non-Compliant Rate Spread Home Loan.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $510,602.46 is underdisclosed from calculated Finance Charge of $510,656.55 in the amount of $54.09. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note of $1959.71 does not correspond with the loan amount, loan term, and interest rate on the loan. |  | State Compliance - North Carolina Rate Spread Threshold Test: There is no Assignee Liability. However, note that a loan that violates the provisions on rate spread home loans will be declared usurious. Thus, the terms of loans held by an assignee could be affected in certain circumstances<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 615 | XX | XX | XX | XX | XX | XX | NC | 2/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] State Compliance - North Carolina Rate Spread Threshold Test: North Carolina Rate Spread Home Loan: APR on subject loan of 12.13340% or Final Disclosure APR of 12.13000% is in excess of allowable threshold of US Treasury 4.2800% + 3%, or 7.28000% and Conventional Mortgage Rate 5.6700% + 1.75%, or 7.42000%. Non-Compliant Rate Spread Home Loan.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | State Compliance - North Carolina Rate Spread Threshold Test: There is no Assignee Liability. However, note that a loan that violates the provisions on rate spread home loans will be declared usurious. Thus, the terms of loans held by an assignee could be affected in certain circumstances<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 616 | XX | XX | XX | XX | XX | XX | SC | 6/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | - B |
| 617 | XX | XX | XX | XX | XX | XX | SC | 2/XX/2004 | Primary | Purchase |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | - B |
| 618 | XX | XX | XX | XX | XX | XX | GA | 9/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 619 | XX | XX | XX | XX | XX | XX | GA | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  | - B |
| 620 | XX | XX | XX | XX | XX | XX | GA | 8/XX/2002 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $151,959.03 is underdisclosed from calculated Finance Charge of $152,123.36 in the amount of $164.33. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The itemization does not disclosed $360.20 Attorney's Fees or $6.50 GA Residential Mortgage Fee in the prepaid finance charges. In addition, the prepaid interest has been over disclosed by $207.58. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 621 | XX | XX | XX | XX | XX | XX | GA | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  | - B |
| 622 | XX | XX | XX | XX | XX | XX | GA | 12/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 623 | XX | XX | XX | XX | XX | XX | GA | 9/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 624 | XX | XX | XX | XX | XX | XX | GA | 2/XX/2002 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2002 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 625 | XX | XX | XX | XX | XX | XX | GA | 10/XX/2004 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 626 | XX | XX | XX | XX | XX | XX | GA | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 627 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 628 | XX | XX | XX | XX | XX | XX | GA | 12/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $209,858.55 is underdisclosed from calculated Finance Charge of $211,311.23 in the amount of $1,452.68. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose MIP fee of $2302.50 as prepaid finance charge |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 629 | XX | XX | XX | XX | XX | XX | GA | 10/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 630 | XX | XX | XX | XX | XX | XX | GA | 10/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  |  |  |  | - B |
| 631 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $159,558.49 is underdisclosed from calculated Finance Charge of $160,226.34 in the amount of $667.85. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to final TIL reflecting a fixed rate payment stream rather than an arm payment stream as indicated on the note. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 632 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 633 | XX | XX | XX | XX | XX | XX | FL | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 634 | XX | XX | XX | XX | XX | XX | FL | 6/XX/2003 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 635 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 636 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2008 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 637 | XX | XX | XX | XX | XX | XX | FL | 12/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $190,375.47 is underdisclosed from calculated Finance Charge of $190,415.45 in the amount of $39.98. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 638 | XX | XX | XX | XX | XX | XX | AL | 9/XX/2009 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date : Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. |  |  |  |  |  | - B |
| 639 | XX | XX | XX | XX | XX | XX | AL | 3/XX/2000 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 640 | XX | XX | XX | XX | XX | XX | TN | 5/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  | - B |
| 641 | XX | XX | XX | XX | XX | XX | TN | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 642 | XX | XX | XX | XX | XX | XX | MS | 4/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $115,437.35 is underdisclosed from calculated Finance Charge of $115,524.97 in the amount of $87.62. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note of $443.77 does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 643 | XX | XX | XX | XX | XX | XX | OH | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - Truth in Lending Act (HELOC): Fee amounts for testing were sourced from one or more fee documents in file containing higher amounts than that reflected on HELOC Agreement.: Truth in Lending Act (HELOC): Fees disclosed on Line of Credit Closing Statement exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 644 | XX | XX | XX | XX | XX | XX | OH | 4/XX/1998 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 645 | XX | XX | XX | XX | XX | XX | OH | 1/XX/2003 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2002. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 646 | XX | XX | XX | XX | XX | XX | MI | 8/XX/1999 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/1999. |  |  |  |  |  | - B |
| 647 | XX | XX | XX | XX | XX | XX | MI | 8/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| 648 | XX | XX | XX | XX | XX | XX | MI | 10/XX/2009 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 649 | XX | XX | XX | XX | XX | XX | MI | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 650 | XX | XX | XX | XX | XX | XX | IL | 8/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| 651 | XX | XX | XX | XX | XX | XX | IL | 11/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $290,247.03 is underdisclosed from calculated Finance Charge of $290,301.95 in the amount of $54.92. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine due to missing itemization of amount financed. |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 652 | XX | XX | XX | XX | XX | XX | IL | 3/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $351,715.14 is underdisclosed from calculated Finance Charge of $352,160.31 in the amount of $445.17. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 690 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $2,966,854.61 is underdisclosed from calculated Finance Charge of $2,968,677.56 in the amount of $1,822.95.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose courier fees of $23.04 & $15, wire fees of $25 & $75, a an underwriting fee of $100 as prepaid finance charges. TIL itemization over disclosed a signing fee of $175 and a doc prep fee of $275 as prepaid finance charges. Also, TIL itemization disclosed an escrow service fee of $600 and interim interest in the amount of $5274.31, however the HUD reflects an escrow service fee of $100 and interim interest in the amount of $7811.46. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 653 | XX | XX | XX | XX | XX | XX | MO | 10/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  | REVIEWER - GENERAL COMMENT (2017-11-15): CHD-5015- Exception downgraded due to non-material affect on subject loan | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 654 | XX | XX | XX | XX | XX | XX | LA | 5/XX/2009 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date : Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. |  |  |  |  |  | - B |
| 655 | XX | XX | XX | XX | XX | XX | LA | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 656 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  | - B |
| 657 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 658 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2012 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 659 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 660 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $124,018.13 is underdisclosed from calculated Finance Charge of $124,119.08 in the amount of $100.95. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to $100 Attorney fee not reflected in TIL itemization of prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 661 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2006 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 662 | XX | XX | XX | XX | XX | XX | TX | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 663 | XX | XX | XX | XX | XX | XX | TX | 9/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 664 | XX | XX | XX | XX | XX | XX | TX | 1/XX/2009 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing): Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing): Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Loan closed prior to expiration of 12-day cooling off period): Texas Constitution Section 50(a)(6): Loan closed prior to expiration of 12-day cooling off period.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver): Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance): Texas Constitution Section 50(a)(6): Points and fees on subject loan of 3.94327% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $1,847.38 on an Original Principal Loan Amount of $XX vs. an allowable total of $1,405.46 (an overage of $441.92 or 0.94327%.)<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $31,696.27 is underdisclosed from calculated Finance Charge of $31,870.05 in the amount of $173.78. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an Attorney closing fee of $200 or a flood cert fee of $5.50 as prepaid finance charges. | REVIEWER - CURED COMMENT (2017-11-17): XX provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception.<br> REVIEWER - CURED COMMENT (2017-11-17): XX provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception.<br> REVIEWER - CURED COMMENT (2017-11-17): XX provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception.<br> REVIEWER - CURED COMMENT (2017-11-17): XX provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception.<br> REVIEWER - GENERAL COMMENT (2017-11-18): Re-graded to an EV2-B based on Outside Counsels feedback on the lenders rebuttal that the loans were made in accordance with existing case law at time of origination which provides that Origination charges to lender constitutes "interest" and is therefore excluded from TX 3% points and fees. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Loan closed prior to expiration of 12-day cooling off period): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 665 | XX | XX | XX | XX | XX | XX | TX | 5/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 666 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002. |  |  |  |  |  | - B |
| 667 | XX | XX | XX | XX | XX | XX | TX | 6/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance): Texas Constitution Section 50(a)(6): Points and fees on subject loan of 3.07995% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $1,275.46 on an Original Principal Loan Amount of $XX vs. an allowable total of $1,242.35 (an overage of $33.11 or 0.07995%.)<br> [2] State Compliance - Texas Home Loan Counseling Agencies List Not Provided: Texas Home Loan: Borrower did not receive list of available housing counseling agencies approved by HUD.<br> [2] State Compliance - Texas Home Loan Counseling Disclosure Not Provided Timely: Texas Home Loan: Borrower did not receive a statement regarding the value of mortgage counseling within three (3) business days of application.<br> [2] State Compliance - Texas Home Loan (Mortgage Information Resource List not Provided Timely): Texas Home Loan: Borrower did not receive list of other resources where mortgage information can be found within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $83,501.49 is underdisclosed from calculated Finance Charge of $86,571.87 in the amount of $3,070.38. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note of $519.00 does not correspond with the loan amount, loan term, and interest rate on the loan. | REVIEWER - CURED COMMENT (2017-11-17): Received servicing screen print to evidence the lender's credit of $33.11 to cure the 3% points and fees exception and copy of letter to borrower. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>State Compliance - Texas Home Loan Counseling Agencies List Not Provided: It is unclear whether an assignee of either a Texas home loan or a high-cost home loan would be exposed to administrative and civil liability.<br>State Compliance - Texas Home Loan Counseling Disclosure Not Provided Timely: It is unclear whether an assignee of either a Texas home loan or a high-cost home loan would be exposed to administrative and civil liability.<br>State Compliance - Texas Home Loan (Mortgage Information Resource List not Provided Timely): It is unclear whether an assignee of either a Texas home loan or a high-cost home loan would be exposed to administrative and civil liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 668 | XX | XX | XX | XX | XX | XX | TX | 3/XX/1999 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/1998.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 669 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2006 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  |  | - B |
| 670 | XX | XX | XX | XX | XX | XX | WY | 2/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 671 | XX | XX | XX | XX | XX | XX | UT | 8/XX/2000 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $215,460.60 is underdisclosed from calculated Finance Charge of $215,690.28 in the amount of $229.68. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization disclosed the prepaid finance charges of $4654.94 However the hud reflects $4819.94 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 672 | XX | XX | XX | XX | XX | XX | AZ | 4/XX/2004 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 673 | XX | XX | XX | XX | XX | XX | AZ | 10/XX/2003 | Primary | Construction-Permanent |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  | REVIEWER - GENERAL COMMENT (2017-12-07): Note received was not needed to clear any open exceptions | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 674 | XX | XX | XX | XX | XX | XX | AZ | 2/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  | - B |
| 675 | XX | XX | XX | XX | XX | XX | AZ | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 676 | XX | XX | XX | XX | XX | XX | AZ | 3/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 677 | XX | XX | XX | XX | XX | XX | AZ | 10/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $338,202.46 is underdisclosed from calculated Finance Charge of $338,646.59 in the amount of $444.13.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine cause of under disclosure due to missing itemization of amount financed. |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 678 | XX | XX | XX | XX | XX | XX | AZ | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 679 | XX | XX | XX | XX | XX | XX | AZ | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. |  | REVIEWER - GENERAL COMMENT (2017-12-07): HUD received is the same estimated copy received in the original loan file - unable to clear | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | Yes | TR Indeterminable D |
| 680 | XX | XX | XX | XX | XX | XX | NM | 9/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 681 | XX | XX | XX | XX | XX | XX | NV | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 682 | XX | XX | XX | XX | XX | XX | NV | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-8 or H-9 used on a HELOC Transaction: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for an open-end transaction.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-8 or H-9 used on a HELOC Transaction: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 683 | XX | XX | XX | XX | XX | XX | NV | 3/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 684 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2007 | Primary | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 685 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  | SELLER - GENERAL COMMENT (2017-12-06): HUD provided.<br> REVIEWER - GENERAL COMMENT (2017-12-06): Received page 1 of a HUD which does not contain estimated verbiage and is stamped true and correct by title company, however missing page 2 of the HUD to verify the fee breakdown to re-test the loan. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 686 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. |  |  |  |  |  | - B |
| 687 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $234,404.71 is underdisclosed from calculated Finance Charge of $234,667.03 in the amount of $262.32. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note of $891.84 does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 688 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 689 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2008 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  | Yes | TR Indeterminable D |
| 691 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 692 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 693 | XX | XX | XX | XX | XX | XX | CA | 11/XX/1998 | Primary | Refinance Rate/Term |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1998 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/1998. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 694 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2007 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 695 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 696 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2008 | Investment | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. |  |  |  |  |  | - B |
| 697 | XX | XX | XX | XX | XX | XX | CA | 6/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 698 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 699 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR Indeterminable D |
| 700 | XX | XX | XX | XX | XX | XX | CA | 9/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 701 | XX | XX | XX | XX | XX | XX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $2,307,411.39 is underdisclosed from calculated Finance Charge of $2,307,651.75 in the amount of $240.36.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 702 | XX | XX | XX | XX | XX | XX | CA | 8/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 703 | XX | XX | XX | XX | XX | XX | OR | 1/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 704 | XX | XX | XX | XX | XX | XX | WA | 6/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  |  |  | - B |
| 705 | XX | XX | XX | XX | XX | XX | WA | 3/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 706 | XX | XX | XX | XX | XX | XX | WA | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 707 | XX | XX | XX | XX | XX | XX | MA | 11/XX/2001 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 708 | XX | XX | XX | XX | XX | XX | MA | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 709 | XX | XX | XX | XX | XX | XX | MA | 3/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] State Compliance - Massachusetts Late Charge Percent Testing: Note late charge exceeds maximum per state.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | State Compliance - Massachusetts Late Charge Percent Testing: Late charge of 5% exceeds the 3% maximum for the state of MA. |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 710 | XX | XX | XX | XX | XX | XX | MA | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 711 | XX | XX | XX | XX | XX | XX | MA | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 712 | XX | XX | XX | XX | XX | XX | RI | 12/XX/2010 | Primary | Refinance Rate/Term |  | 3 | [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided): Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided.<br> [3] State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis.<br> [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided): Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided.<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  | State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | State - NC |
| 713 | XX | XX | XX | XX | XX | XX | CT | 4/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  | - B |
| 714 | XX | XX | XX | XX | XX | XX | CT | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007. |  | REVIEWER - GENERAL COMMENT (2017-12-20): note provided was not needed to clear any open exceptions | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 715 | XX | XX | XX | XX | XX | XX | CT | 10/XX/2006 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $501,040.20 is underdisclosed from calculated Finance Charge of $501,092.31 in the amount of $52.11. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 716 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 717 | XX | XX | XX | XX | XX | XX | NJ | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 718 | XX | XX | XX | XX | XX | XX | NY | 11/XX/1989 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 719 | XX | XX | XX | XX | XX | XX | NY | 11/XX/2000 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 720 | XX | XX | XX | XX | XX | XX | NY | 6/XX/2007 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 721 | XX | XX | XX | XX | XX | XX | PA | 2/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not provided to all parties whose ownership interest is or will be subject to the security interest. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 722 | XX | XX | XX | XX | XX | XX | PA | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 723 | XX | XX | XX | XX | XX | XX | DE | 10/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 724 | XX | XX | XX | XX | XX | XX | DE | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  |  | - B |
| 725 | XX | XX | XX | XX | XX | XX | MD | 3/XX/2011 | Primary | Purchase |  | 2 | [2] State Compliance - Maryland Counseling Disclosure Not In File: Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2011.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Closing / Title - (Doc Error) TIL Error: TIL did not reflect the required verbiage<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA 2009 Three Day Waiting Period Irregular Transaction: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Unable to test the Escrow Payment on the Final TIL due to missing information.<br> [2] Federal Compliance - 2011 TIL-MDIA - Interest Rate Inaccurate: Unable to test Introductory Interest Rate due to missing information.<br> [2] Federal Compliance - 2011 TIL-MDIA - P&I Payment Inaccurate: Unable to determine if the Principal and Interest Payment on the Final TIL matches the Principal and Interest Payment on the loan due to missing information.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Unable to determine if the Total Payment on the Final TIL matches the Total Payment on the loan due to missing information.<br> [2] Federal Compliance - Incorrect TIL Form Used: Truth in Lending Act (MDIA 2011): TIL disclosure not compliant under MDIA<br> [2] Federal Compliance - 2011 TIL-MDIA - 'No guarantee to Refinance' Statement Missing: Truth in Lending Act (MDIA 2011): Final TIL does not contain required 'No guarantee to Refinance' statement. |  |  | State Compliance - Maryland Counseling Disclosure Not In File: HB 1399 does not contain express provisions for assignee liability.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: TIL did not reflect the required verbiage: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA 2009 Three Day Waiting Period Irregular Transaction: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA - Interest Rate Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA - P&I Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Incorrect TIL Form Used: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA - 'No guarantee to Refinance' Statement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 726 | XX | XX | XX | XX | XX | XX | MD | 6/XX/2010 | Primary | Purchase |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 727 | XX | XX | XX | XX | XX | XX | MD | 5/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 728 | XX | XX | XX | XX | XX | XX | MD | 2/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 729 | XX | XX | XX | XX | XX | XX | MD | 3/XX/2007 | Investment | Refinance Limited Cash-out GSE |  | 1 |  |  |  |  |  |  | - A |
| 730 | XX | XX | XX | XX | XX | XX | MD | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 731 | XX | XX | XX | XX | XX | XX | VA | 1/XX/1992 | Primary | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/1992 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1991 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/1991. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 732 | XX | XX | XX | XX | XX | XX | VA | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 733 | XX | XX | XX | XX | XX | XX | NC | 4/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $391,213.33 is underdisclosed from calculated Finance Charge of $392,433.70 in the amount of $1,220.37. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note of $1488.77 does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 734 | XX | XX | XX | XX | XX | XX | NC | 3/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. |  |  |  |  |  | - B |
| 735 | XX | XX | XX | XX | XX | XX | NC | 3/XX/2000 | Primary | Refinance Rate/Term |  | 3 | [3] State Compliance - North Carolina CHL Tangible Net Benefit Test: North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $353,457.74 is underdisclosed from calculated Finance Charge of $353,581.66 in the amount of $123.92. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not include the $135 settlement fee as a prepaid finance charge. |  | State Compliance - North Carolina CHL Tangible Net Benefit Test: Assignee liability is unclear. A holder of the loan may be exposed to the consequences if the loan is deemed usurious, resulting in forfeiture of all interest and return of twice the interest paid, or if the violation constitutes a deceptive act or practice, subjecting the holder to treble damages, but not both.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | State - NC |
| 736 | XX | XX | XX | XX | XX | XX | NC | 5/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 737 | XX | XX | XX | XX | XX | XX | NC | 12/XX/2005 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 738 | XX | XX | XX | XX | XX | XX | NC | 7/XX/2007 | UTD | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | UTD | Indeterminable D |
| 739 | XX | XX | XX | XX | XX | XX | SC | 8/XX/2000 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Yes | TR Indeterminable D |
| 740 | XX | XX | XX | XX | XX | XX | SC | 6/XX/2002 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001. |  |  |  |  |  | - B |
| 741 | XX | XX | XX | XX | XX | XX | SC | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] State Compliance - South Carolina Home Loan (No Tangible Net Benefit): South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>State Compliance - South Carolina Home Loan (No Tangible Net Benefit): Assignee Liability: The Act provides that the making of a consumer home loan or a high cost home loan that violates the home loan or high cost provisions is a violation of the law and the borrower has a right in action, other than a class action, to recover from the lender or party charged with the violation. It appears that assignees and purchasers would be subject to this liability. Damages can include actual damages, and a penalty of not less than $1,500 and not more than $7,500 for each loan transaction. Class actions are prohibited. A court may refuse to enforce an agreement that violates the Act. Costs and attorney fees may also be awarded. |  |  | - B |
| 742 | XX | XX | XX | XX | XX | XX | SC | 3/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.<br> [2] State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | - B |
| 743 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $268,797.55 is underdisclosed from calculated Finance Charge of $274,041.57 in the amount of $5,244.02. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The TIL payment stream does not match the note and FHA MI terms. The TIL reflects the first 12 payments are $1,1,162.39, the next 12 payments are $1,295.31, then 115 payments ranging between $1,435.80 and $1,420.20, and then 220 payments of $1,345.45. The note reflects being an FHA 30 year fixed with an initial P&I payment of $1,345.45, the TIL does not have an accurate payment for the first 24 months of payments as the amount disclosed is less than the P&I payment and does not account for the MI payment, for the next 115 payments it is unclear what the specific payments are and if the continual reductions in the FHA MI premium are properly accounted for as it gives a range of payments rather than a complete breakdown. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 744 | XX | XX | XX | XX | XX | XX | GA | 10/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2008.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 745 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2008 | Primary | Purchase |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  |  |  |  | - B |
| 746 | XX | XX | XX | XX | XX | XX | GA | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 747 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR HUD Deficiency |
| 748 | XX | XX | XX | XX | XX | XX | GA | 11/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2008.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $261,841.11 is underdisclosed from calculated Finance Charge of $265,015.04 in the amount of $3,173.93.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine appraised value used at origination and FHA case assignment date due to missing documentation therefore monthly FHA premium is being calculated through the term of the loan. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 749 | XX | XX | XX | XX | XX | XX | GA | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 750 | XX | XX | XX | XX | XX | XX | GA | 7/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 751 | XX | XX | XX | XX | XX | XX | GA | 3/XX/2004 | Primary | Purchase |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003. |  |  |  |  |  | - B |
| 752 | XX | XX | XX | XX | XX | XX | GA | 4/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  |  |  |  | - B |
| 753 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 754 | XX | XX | XX | XX | XX | XX | GA | 2/XX/2008 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 755 | XX | XX | XX | XX | XX | XX | GA | 9/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  |  |  |  | - B |
| 756 | XX | XX | XX | XX | XX | XX | GA | 8/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  | Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 757 | XX | XX | XX | XX | XX | XX | GA | 5/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 758 | XX | XX | XX | XX | XX | XX | GA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 759 | XX | XX | XX | XX | XX | XX | GA | 8/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 760 | XX | XX | XX | XX | XX | XX | GA | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. |  |  |  |  |  | - B |
| 761 | XX | XX | XX | XX | XX | XX | GA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 762 | XX | XX | XX | XX | XX | XX | FL | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 763 | XX | XX | XX | XX | XX | XX | FL | 6/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004. |  |  |  |  |  | - B |
| 764 | XX | XX | XX | XX | XX | XX | FL | 1/XX/2002 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2002 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 765 | XX | XX | XX | XX | XX | XX | FL | 4/XX/2004 | Second Home | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. |  |  |  |  |  | - B |
| 766 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $307,115.94 is underdisclosed from calculated Finance Charge of $307,390.15 in the amount of $274.21. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note of $$1,240.50 does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 767 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 768 | XX | XX | XX | XX | XX | XX | FL | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $352,575.60 is underdisclosed from calculated Finance Charge of $353,533.92 in the amount of $958.32. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note of $1419.31 does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 769 | XX | XX | XX | XX | XX | XX | FL | 10/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $276,093.95 is underdisclosed from calculated Finance Charge of $276,219.03 in the amount of $125.08. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 770 | XX | XX | XX | XX | XX | XX | FL | 2/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: Unable to determine if loan file contains CHARM Booklet due to missing information.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 771 | XX | XX | XX | XX | XX | XX | AL | 4/XX/2004 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 772 | XX | XX | XX | XX | XX | XX | TN | 6/XX/2002 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001.<br> [2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 7.86400% is underdisclosed from calculated APR of 8.09658% outside of 0.125% tolerance. |  |  | Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 773 | XX | XX | XX | XX | XX | XX | TN | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 774 | XX | XX | XX | XX | XX | XX | TN | 3/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 775 | XX | XX | XX | XX | XX | XX | TN | 3/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 776 | XX | XX | XX | XX | XX | XX | MS | 10/XX/2006 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR Indeterminable D |
| 777 | XX | XX | XX | XX | XX | XX | KY | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $207,307.74 is underdisclosed from calculated Finance Charge of $207,888.69 in the amount of $580.95. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note of $778.30 does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 778 | XX | XX | XX | XX | XX | XX | MI | 5/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Unable to test Bill of Rights disclosure due to missing information.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Unable to test Consumer Caution notice due to missing information.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| 779 | XX | XX | XX | XX | XX | XX | MI | 2/XX/2008 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. |  |  |  |  |  | - B |
| 780 | XX | XX | XX | XX | XX | XX | IA | 11/XX/2005 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  | - B |
| 781 | XX | XX | XX | XX | XX | XX | WI | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $383,894.42 is underdisclosed from calculated Finance Charge of $386,582.92 in the amount of $2,688.50. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 782 | XX | XX | XX | XX | XX | XX | MN | 8/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2008.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2008, prior to three (3) business days from transaction date of 08/XX/2008. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 783 | XX | XX | XX | XX | XX | XX | MN | 10/XX/2003 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 784 | XX | XX | XX | XX | XX | XX | MN | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance.<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Prepayment Penalty Disclosure Not Provided at application): Minnesota Residential Originator and Servicer Licensing Act: Prepayment penalty disclosure not provided to borrower.<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Prepayment Penalty Disclosure Not Provided at closing): Minnesota Residential Originator and Servicer Licensing Act: Prepayment penalty disclosure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): Assignee liability is unclear. Purchasers and assignees of Minnesota mortgage loans would not appear to be liable for violations of the Act. However, effective 8/XX/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 785 | XX | XX | XX | XX | XX | XX | MN | 6/XX/2001 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| 786 | XX | XX | XX | XX | XX | XX | IL | 10/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] State Compliance - Illinois Late Charge Percent Testing: Note late charge exceeds maximum per state.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.<br> [2] State Compliance - Note Error: Note late charge percentage exceeds maximum per state | State Compliance - Illinois Late Charge Percent Testing: Late charge not allowed per state of (IL) - max late charge for IL is 5% - note states 6%.<br> State Compliance - Note Error: Note late charge percentage exceeds maximum per state: Late charge not allowed per state of (IL) - max late charge for IL is 5% - note states 6%. |  |  |  |  | - B |
| 787 | XX | XX | XX | XX | XX | XX | IL | 7/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2009. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 788 | XX | XX | XX | XX | XX | XX | IL | 8/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $638,087.68 is underdisclosed from calculated Finance Charge of $638,729.56 in the amount of $641.88. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 789 | XX | XX | XX | XX | XX | XX | IL | 6/XX/2009 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 790 | XX | XX | XX | XX | XX | XX | IL | 9/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $665,346.72 is underdisclosed from calculated Finance Charge of $665,564.30 in the amount of $217.58. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the Final Itemization of Amount Financed not reflecting an Extension fee of $175.00 |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 791 | XX | XX | XX | XX | XX | XX | MO | 10/XX/2004 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 792 | XX | XX | XX | XX | XX | XX | KS | 7/XX/1997 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/1997. |  |  |  |  |  | - B |
| 793 | XX | XX | XX | XX | XX | XX | NE | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | - A |
| 794 | XX | XX | XX | XX | XX | XX | LA | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005. |  |  |  |  |  | - B |
| 795 | XX | XX | XX | XX | XX | XX | LA | 8/XX/2004 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. |  |  |  |  |  | - B |
| 796 | XX | XX | XX | XX | XX | XX | LA | 8/XX/2008 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | - A |
| 797 | XX | XX | XX | XX | XX | XX | TX | 3/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 798 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 799 | XX | XX | XX | XX | XX | XX | TX | 4/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 800 | XX | XX | XX | XX | XX | XX | TX | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 801 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2006 | Primary | Purchase |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 802 | XX | XX | XX | XX | XX | XX | TX | 11/XX/2000 | Primary | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 803 | XX | XX | XX | XX | XX | XX | TX | 12/XX/2003 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $251,878.19 is underdisclosed from calculated Finance Charge of $252,211.01 in the amount of $332.82. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not include a closing attorney fee of $315 or recording service fee of $18 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 804 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2005 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 805 | XX | XX | XX | XX | XX | XX | TX | 10/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 | [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing): Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver): Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance): Texas Constitution Section 50(a)(6): Points and fees on subject loan of 3.64240% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $2,410.49 on an Original Principal Loan Amount of $XX vs. an allowable total of $1,985.35 (an overage of $425.14 or 0.64240%.)<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $109,914.58 is underdisclosed from calculated Finance Charge of $109,956.33 in the amount of $41.75. |  | REVIEWER - GENERAL COMMENT (2017-12-22): Received evidence of cure<br> REVIEWER - RE-OPEN COMMENT (2017-12-22): cured<br> REVIEWER - CURED COMMENT (2017-12-22): XX provided copy of letter sent to borrower indicating they are aware the borrower may not have gotten copies of all closing docs and final application at closing. XX has credited $1000 to the principal balance of their loan and offered to refinance their loan and provided screen shots to evidence the application of the $1000. XX also signed attestation that they cannot definitively determine that all documents executed by the borrower were contained within the loan files. Outside counsel advised this was sufficient to cure this exception with the catch all cure.<br> REVIEWER - GENERAL COMMENT (2017-12-22): received evidence of cure<br> REVIEWER - RE-OPEN COMMENT (2017-12-22): cured<br> REVIEWER - CURED COMMENT (2017-12-22): XX provided copy of letter sent to borrower indicating they are aware the borrower may not have gotten copies of all closing docs and final application at closing. XX has credited $1000 to the principal balance of their loan and offered to refinance their loan and provided screen shots to evidence the application of the $1000. XX also signed attestation that they cannot definitively determine that all documents executed by the borrower were contained within the loan files. Outside counsel advised this was sufficient to cure this exception with the catch all cure.<br> REVIEWER - GENERAL COMMENT (2017-12-20): Re-graded to an EV2-B based on Outside Counsels feedback on the lenders rebuttal that the loans were made in accordance with existing case law at time of origination which provides that Origination charges to lender constitutes "interest" and is therefore excluded from TX 3% points and fees. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 806 | XX | XX | XX | XX | XX | XX | TX | 12/XX/1997 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $254,615.13 is underdisclosed from calculated Finance Charge of $261,566.48 in the amount of $6,951.35. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the disclosed TIL reflecting a fixed payment for the term of the loan rather than adjusting after the first 24 months. |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 807 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance): Texas Constitution Section 50(a)(6): Points and fees on subject loan of 4.06098% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $2,751.44 on an Original Principal Loan Amount of $XX vs. an allowable total of $2,032.59 (an overage of $718.85 or 1.06098%.) |  | REVIEWER - GENERAL COMMENT (2017-12-20): Re-graded to an EV2-B based on Outside Counsels feedback on the lenders rebuttal that the loans were made in accordance with existing case law at time of origination which provides that Origination charges to lender constitutes "interest" and is therefore excluded from TX 3% points and fees. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  |  | - B |
| 808 | XX | XX | XX | XX | XX | XX | TX | 1/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. |  |  |  |  |  | - B |
| 809 | XX | XX | XX | XX | XX | XX | TX | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 810 | XX | XX | XX | XX | XX | XX | CO | 5/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $189,086.23 is underdisclosed from calculated Finance Charge of $189,240.29 in the amount of $154.06. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note of $88446 does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| 811 | XX | XX | XX | XX | XX | XX | ID | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): The Residential Mortgage Practices Act does not appear to provide for assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 812 | XX | XX | XX | XX | XX | XX | UT | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 813 | XX | XX | XX | XX | XX | XX | AZ | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 814 | XX | XX | XX | XX | XX | XX | AZ | 6/XX/2003 | Primary | Refinance UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | TR Indeterminable D |
| 815 | XX | XX | XX | XX | XX | XX | AZ | 4/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. |  |  |  |  |  | - B |
| 816 | XX | XX | XX | XX | XX | XX | AZ | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 817 | XX | XX | XX | XX | XX | XX | NV | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| 818 | XX | XX | XX | XX | XX | XX | NV | 7/XX/2007 | Primary | Purchase |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | TNR Testing Not Required D |
| 819 | XX | XX | XX | XX | XX | XX | CA | 4/XX/2007 | Primary | Refinance Cash-out - Home Improvement |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 820 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2007 | Investment | Refinance Cash-out - Other |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| 821 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2007 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 822 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 823 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 824 | XX | XX | XX | XX | XX | XX | CA | 2/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| 825 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| 826 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 827 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 828 | XX | XX | XX | XX | XX | XX | CA | 10/XX/2003 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | - A |
| 829 | XX | XX | XX | XX | XX | XX | CA | 1/XX/2008 | Primary | UTD UTD |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Indeterminable D |
| 830 | XX | XX | XX | XX | XX | XX | CA | 7/XX/2007 | Second Home | Purchase |  | 1 |  |  |  |  |  |  | - A |
| 831 | XX | XX | XX | XX | XX | XX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| 832 | XX | XX | XX | XX | XX | XX | CA | 11/XX/2007 | Primary | Purchase |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_002.jpg)

Opus Capital Markets Consultants, LLC

NRMLT 2026-RPL1

Rithm Capital Corp.

FORM ABS DUE DILIGENCE 15-E

06.30.2026 **Page 1 Public**

**Item 4 – Description of the due diligence performed**

1) Type of assets reviewed

Consultant performed the QC review of one prior securitization review completed by the Recovco Mortgage Management LLC ("Recovco) on behalf of Rithm Capital Corp. ("Client/Customer"). This population comprised **224** seasoned loans in which a credit and compliance review was conducted.

The QC scope of review completed by Opus is identified as the scope of services under the terms of Exhibit A below.

The scope of review previously completed by Recovco is identified as the scope of services under the terms of Exhibit B below.

Consultant performed a title review on 373 loans. Title reports were ordered from a third-party title company and reviewed by Opus in accordance with the statement of work as listed in the scope below of Exhibit C.

2) Sample Size

&nbsp;&nbsp;&nbsp;&nbsp;a) Consultant reviewed all loans submitted
on the data tapes.

3) Determination and Computation of Sample Size

&nbsp;&nbsp;&nbsp;&nbsp;a) Consultant reviewed all loans submitted
on the data tapes.

4) Quality or Integrity of information or data

&nbsp;&nbsp;&nbsp;&nbsp;a) A comparison with respect to certain
fields on the data tape was performed by comparing electronic copies of the original mortgage loan documents provided to the corresponding
information set forth on the data tape. The comparisons were performed with respect to certain Mortgage Loan characteristics, including
but not limited to, interest only, sales price, note date, occupancy, QM status, loan type, application date, loan purpose, units, zip
code, interest rate, second mortgage lien amount, original balance, property city, FICO, property type, original payment, property address,
appraised value, LTV, CLTV, and DTI. Discrepancies were reviewed with the originator and the data tape was modified if necessary.

5) Origination of the assets conformed to stated underwriting or credit extension guidelines, standards, criteria or other requirements

**<u>EXHIBIT A - Opus</u>**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Data Collection:** 

The Consultant shall obtain all necessary loan files, reports, guidelines, data tapes, and narratives that were reviewed or produced by the original due diligence vendor. Prior to commencing the Quality Control (QC) review, the Consultant shall perform a comprehensive review of the applicable underwriting guidelines and the original scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **QC Review** 

A QC Review shall be conducted to verify the accuracy of the final report and narrative documents produced by the original due diligence vendor. The QC Review shall encompass the following components:

a) **Scope Review:** The Consultant shall review the original scope of review details to confirm that all applicable requirements
were contemplated and performed in the original review.

b) **Guidelines:** The Consultant shall review applicable guidelines and perform a data analysis of the final reports to confirm the
completeness and validity of the report content.

c) **Findings Review:** The Consultant shall conduct a comprehensive review of all loans identified with exceptions in the final
report. This review shall include verification that all required trailing documents are present within the respective loan files. Additionally,
the Consultant shall confirm that all documentation used to resolve previously identified conditions is valid and sufficient to address
the original exception. In instances where trailing documents are unavailable, the Consultant shall analyze the report commentary to ensure
that adequate explanatory notes are included, detailing how the exception was otherwise resolved.

**Page 2 Public**

d) **Compliance QC Review:** The Consultant shall review all calculated Annual Percentage Rates (APRs) and conduct comprehensive compliance
testing on any loan for which the APR exceeds the applicable state usury limit. Additionally, the Consultant shall compare five percent
(5%) of the original loan amount to the amount reported as "Points and Fees (Regulation Z)." For any loan in which the reported
"Points and Fees" exceed this 5% threshold, the Consultant shall perform a full compliance review to ensure adherence to applicable
regulatory requirements.

e) **Tax and Title Review:** The Consultant will perform a title review and perform the following procedures:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review updated title report (One Owner O&E report) to identify judgments / liens / encumbrances (pre and post origination) which
would impact the lien position of the subject mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm subject mortgage is recorded.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review Schedule B: Ensure any liens recorded prior to the mortgage recordation date are listed to exceptions on the final title policy.

&nbsp;&nbsp;&nbsp;&nbsp;d. Super lien Homeowners' Association (HOA) liens.

&nbsp;&nbsp;&nbsp;&nbsp;e. For the purpose of the review the following states are subject to HOA super liens

&nbsp;&nbsp;&nbsp;&nbsp;f. AL, AK, CO, CT, DC, DE, FL, HI, IL, MA, MD, MN, MO, NV, NH, NJ, OR, PA, RI, TN, VA, VT, WA and WV.

f) **Securitization Preparation:** The Consultant shall create and provide all required securitization documents, including securitization
reporting, reliance letters, narrative summaries, attestations, and a 15-E disclosure, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;**3.** **QC Review** 

**Document Review**<br>

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:<br>

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description
of the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Note / Security Instrument: Verify the presence of the mortgage note, security instrument, or equivalent per Costa Rica recording
requirements. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present
and duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage / Deed of Trust: Verify the presence of a copy Mortgage, Deed of Trust, or Transfer Deed. Confirm that the documents have
been executed by all required parties and that all riders, addendums and exhibits are present and duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;· e Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest
of the subject parties is detailed on the deed.

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Final Hud-1 Settlement Statement or Closing Disclosure: If required, verify the presence of a final HUD-1 / Closing Disclosure. Verify
the completeness of required data and signatures or certification depending upon state compliance requirements.

&nbsp;&nbsp;&nbsp;&nbsp;· Final Truth-in-Lending Disclosure: Not Applicable

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: Not Applicable

**Page 3 Public**

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;· Closing Disclosure: If required verify the presence of the
current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing
requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file
contains a verification of rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence
of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters
exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting
guidelines for all borrowing parties contributing income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan
file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third-party valuation tools to satisfy
the minimum required documentation under the relative Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending
upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting
guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;**4.** **Regulatory Compliance** 

1. The "material"<sup>1</sup> disclosure requirements of the
 federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity
 Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and
 implemented by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating
 to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the
 early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"),
 as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by
 the TILA-RESPA Integrated Disclosure ("TRID") Rule, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution
of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission
period was adequately provided to the borrower(s).

<sup>1</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

**Page 4 Public**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt from the rescission requirement but on which a Notice of Right
to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission
notice. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed
TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution
by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation
of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within
the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior
to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more
than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations
will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received
the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated in accordance with the TRID Rules. (Any fee tolerance issues
to be cured at closing or within 60 days of loan consummation.)

2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603 and
2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule.

3. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.

4. Confirmation that one of the following is in the loan file, per the Fair Credit Reporting Act: Consumer
Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit or Notice to Home Loan Applicant.

5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability to Repay underwriting standards (12 C.F.R. 1026.43(c));
refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified mortgages
as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.) and the Department of Veterans Affairs (38
C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability
to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented by
Regulation Z, 12 C.F.R 1026.36;

7. The
requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as implemented
by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and RESPA,
as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35, and Regulation
X, 12 C.F.R 1024.17, respectively;

**Page 5 Public**

11. The disclosure requirements and prohibitions of any applicable state, county and municipal laws and
ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

12. Consultant shall confirm that any mortgage property located in an area identified on a flood hazard
map or flood insurance rate map issued by the Federal Emergency Management Agency as having special flood hazards is subject to a qualified
flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant shall review the loan file for evidence that
the primary purpose of the loan was for commercial or business purposes, including, but not limited to a business purpose certification.

14. Documentation. Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1 is signed by all parties (including closing agent) or stamped certified by the closing agent;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the stamp
does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based on the date issued, subject to the three-day
mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Loan Estimates with
the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject
to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more
Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation
considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure, if applicable referred to as HUD-1/Closing Disclosure,
must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc.
or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure
exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge
on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing Disclosure
to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**Page 6 Public**

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant reviews applicable loans for compliance with
the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan's designation
(Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's status under the QM rule requirements and
assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same
loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the
requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable
presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and
indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification.
For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general
QM definition effective March 1, 2021.

2. For loans for which applications were received prior to July 1, 2021, if a loan was designated as QM
and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Consultant
reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph
(3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but
not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether, based on available information in
the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the
"points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately. Consultant reviews
to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under the original general
QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan
is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable
average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective
March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors detailed in the ATR
Rule as detailed below for non-agency eligible loans. The Consultant will review the loan file to determine if the creditor verified and
considered each of the eight factors utilizing reasonably reliable third-party documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory or fully indexed rate, whichever is
higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance and certain other costs related to the
property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General
Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment
or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant and
only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's
conclusion.

**Page 7 Public**

**a)** **Regulatory Compliance Disclaimer** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

**b)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**Additional Disclosures and Requirements:**

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews
for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if
borrower(s) will be referred to affiliates for provision of third-party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

**Page 8 Public**

**Equal Credit Opportunity Act (Regulation B)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the lender has provided the borrower with a disclosure of the right to receive a copy of appraisals within three (3) business
days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower
on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses
the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day
rule plus 3 days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;· For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver
at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3)
business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations
at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score
disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm
the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b)
If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by
15 U.S.C. § 1681g) before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;**5.** **High-Cost, State & Local Anti-Predatory Regulations** 

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

&nbsp;&nbsp;&nbsp;&nbsp;· Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate
Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg
§ 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;· Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as
originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB
1692 (2012), effective January 10, 2014.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155;
8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

**Page 9 Public**

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

&nbsp;&nbsp;&nbsp;&nbsp;· Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kansas Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me.
Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439
(2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§
8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland
 Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage
 Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et
 seq.; Md. Code Regs. §§ <u>09.03.06.01</u> et
 seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

&nbsp;&nbsp;&nbsp;&nbsp;· Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007)
and Senate File 988 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS §
598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and
as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and
as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

&nbsp;&nbsp;&nbsp;&nbsp;· North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory
Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio
Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No.
72-2003 (PSH), Mun. Code §§ 757.01 et seq.

**Page 10 Public**

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer
Credit Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006)
 and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

&nbsp;&nbsp;&nbsp;&nbsp;· South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422;
6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003, to September 30, 2010, as amended), Va. Code
Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et
seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending Ownership

&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wyoming Credit Code

**Page 11 Public**

**<u>EXHIBIT B - Recovco</u>**

**Scope of Services:**

&nbsp;&nbsp;&nbsp;&nbsp;1. **Regulatory Compliance Analysis:** Recovco will test each mortgage loan to verify that it closed in
compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time or origination of the mortgage
loan and that the mortgage loan meets the Truth in Lending ACT, the Dodd-Frank Act, the Real Estate Settlement Procedures Act disclosure
requirements and prohibitions of Section 50(a)(6) Article of the Texas Constitution and associated regulations and the disclosure requirements
and prohibitions of the applicable state and local laws and ordinances that were enacted to combat predatory lending.

**<u>The following section is applicable to Mortgage Loans with an application date *prior* to October 3, 2015:</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Documentation. Review of the following documents for regulatory compliance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Final Hud-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Final Truth in Lending

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Notice of Right to Cancel

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Initial, Final and Re-disclosed Truth in Lending Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial, Final and Re-disclosed Good Faith Estimate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Mortgage / Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High Cost and/or Anti-Predatory Laws and Regulations: Review of federal, state and local high cost, higher-priced
and/or anti predatory laws and regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. TILA/Regulation Z (Compliance with the January 10, 2014, requirements)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review and comparison of the initial and final TIL

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Recalculation of disclosed finance charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Proper execution

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Recalculation of APR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Review to determine disclosure difference were within tolerances and disclosures were provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. A review of the Notice of Right to Cancel

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification of the transaction and expiration date timing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Proper execution

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. RESPA / Regulation X: Review to ensure compliance with the January 1, 2010 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Good Faith Estimate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm the presence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify the timing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify that all sections are accurate and complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Current applicable HUD-1 was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Escrow deposits match initial escrow statement amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all sections of the document are accurate and completed

**<u>The following section is applicable to Mortgage Loans with an application date *on or after* to October 3, 2015:</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Documentation: Review of the following document for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial and Re-disclosed Loan Estimate (LE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Initial Closing Document (CD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage / Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High Cost and/or Anti-Predatory Laws and Regulations: Review of federal, state and local high cost, higher-priced and/or anti predatory laws and regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. TILA/Regulation Z

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review and comparison of LEs and CDs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Recalculation of disclosed finance charges on LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Proper completion of LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Disclosure of LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. RESPA / Regulation X: Review to ensure compliance with the January 1, 2010, requirements

**Page 12 Public**

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Credit and Guideline Review:** Recovco will complete a credit review which focuses on the borrower's
ability and willingness to pay, as well as adherence to the Guidelines. The borrower's income and assets are verified and analyzed
to determine if there is sufficient support for the Mortgage Loan and any other obligations. Additionally, the borrower's credit
is reviewed to determine their past history reflects a sense of integrity regarding debt repayment. For each Mortgage Loan, Recovco will
perform the following credit review and Guideline analysis services.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Guideline Review: Recovco will verify whether

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Mortgage Loan was originated in compliance with the required guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The DTI of the borrower(s) meets the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The LTV/TLTV/HLTV meets the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The credit score for each borrower meets the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The assets meet the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The property type and use is eligible according to the guidelines, and if the property is co-op or condo
the property adheres to required guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. All borrowers are eligible based on the guidelines (citizenship status, non-occupant borrower)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The transaction is eligible based on the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Credit Application: Recovco will verify whether

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The mortgage loan file contains a complete and executed final application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The borrower's employment was documented and verified according to the applicable underwriting guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Income Documentation: Recovco will verify whether

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine whether income documentation required by the guidelines is present for all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Make an assessment of whether there are any indications of potentially fraudulent documents identified
by TP, such as potentially altered documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verify whether the income was calculated and documented in accordance with the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compare IRS transcripts to income documentation and note any indications of potentially fraudulent documents
identified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Recalculated DTI ratio, including the calculation of qualifying income and liabilities according to the
guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Credit Report: Recovco will verify whether

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Assess whether the credit report contained in the mortgage loan file was obtained in accordance with,
and meets Guidelines requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify whether a credit report is in the Mortgage Loan File for all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verify whether any fraud alerts are listed on the credit report(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Capture monthly consumer debt payments to verify total debt ratio relative to Guideline requirements and
verify all disclosed mortgage debt is listed in the application under the schedule of real estate owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Gather liabilities listed on the credit report and loan applications to be included in the DTI ratio as
appropriate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Make an assessment of the whether the borrowers' credit profile adheres to the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Assets: Recovco will verify whether

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Assess whether documentation required by the guidelines for verifying assets for down payment, closing
costs, prepaid items and reserves is included in the Mortgage Loan File

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify whether assets were qualified in accordance with guideline requirements including a review of any
large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verify whether assets and monthly reserves were calculated in accordance with guideline requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. For purchase transactions, verify whether any escrow or earnest money deposits are documented according
to the guidelines, including, the source of funds, transfer of funds and receipt of funds by escrow agent or seller

**Page 13 Public**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Title: Recovco will verify

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify the appropriate vestee(s) and property description is/are on the title report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify that the APN and/or legal description on the title report matches the description on the mortgage
documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review the title report for any encumbrances, encroachments and other exceptions affecting the lien identified
through the title search and verify each issue was addressed in the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Note the property tax status and capture the monthly tax payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Review the chain of title and duration of ownership by seller or borrower (whichever is applicable) meet
the guideline

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Hazard / Flood Insurance: Recovco will verify

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify whether the borrower obtained and meets the minimum required amount of coverage required by the
guidelines, as indicated by the applicable insurance declarations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review for evidence the policy has been paid and no evidence of any policy being impaired

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm that the flood certificate is for the correct borrower, property, lender and loan number and is
for life of loan certification

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. For properties in a flood zone per the flood certification, confirm that flood insurance meets guideline
requirements in the file and meets the minimum required amount of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm that the premium amount on both the hazard and/or flood insurance match what was used in the DTI
calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Capture the monthly fee(s) for the hazard and/or flood insurance coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Occupancy Review: Recovco will verify that based on the information provided in the mortgage loan file
and any fraud report obtained in connection with the mortgage loan confirm the property is consistent with the mortgage loan approval
and borrowers' disclosure on the mortgage loan application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Employment Review: Recovco will verify

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Note whether information contained in the mortgage loan file indicates employment verification at the
time of origination

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify employment and income in accordance to the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Document Review: Recovco will verify that each loan has all documents and meet guideline requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify whether all listed borrowers signed all documents requiring signature

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify that all borrowers signing documents are eighteen (18) years or older at time of loan origination

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Compare social security numbers across all documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Verify whether the mortgage appears to have been notarized properly based on images available to TPR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Check for apparent alterations to the imaged documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Verify whether all riders required by the terms of the mortgage and mortgage note are attached to the
respective documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Verify whether any mortgage note term changes meet the guidelines

**<u>GENERAL ABILITY TO REPAY</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Note: for loans designated as QM – Agency Eligible, Recovco will not review for compliance with
the requirements of Appendix Q or General Ability to Repay.

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

**Page 14 Public**

**Engagement Specific ATR Waterfall Review Instructions**

Recovco utilized the following waterfall process to review the Lenders ATR Assessment.

- Review Lenders ATR Worksheet

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If lender verifies ATR (No Additional review required)

- Capture and Report Loan Type from 1008

- Capture if an "approved" DU / LP is in file

**3.** **Valuation Review:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify that the mortgage loan file has an appraisal report,
meeting the following criteria

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Appraisal report uses the standard GSE forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Appraisal report is reasonably complete and includes required information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Appraisal report is made "as is" or provides satisfactory evidence of completion for all material
conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify that the appraiser was appropriately licensed per FIRREA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify the following Key Points

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Appraisal shows no signs of appraiser independence violations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The property is located within the United States

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The named client on the appraisal report is the lender or related entity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The appraisal report discloses no current or planned condemnation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The property is owned fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The property is not subject to ground leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The appraisal notes that the property is legal or legal non-conforming

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. There are no encroachments or improvements outside of boundaries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Property is in average or better condition

**Valuation Waterfall**

Recovco will not complete the valuation waterfall.

Client expressly understands and agrees that Recovco makes no representation or warrant as to the value of the subject property. Recovco is not acting as an Appraisal Management Company and therefore it does not opine on the actual value of the subject property. Recovco is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Recovco will not have any communication with or responsibility to any individual consumer concerning property valuation.

**4.** **Data Collection:** Recovco will compare data fields on the tape to the data found in the actual file
as captured by Recovco. All material discrepancies will be noted.

**5.** **Condition Clearing:** Recovco may identify certain exceptions or conditions to the mortgage loans
based on its review of the mortgage loans against the documentation and criteria set by the Client. If conditions must be cured for purchase,
the TPR will review any additional documentation to resolve or get to a terminal status.

**Page 15 Public**

**<u>Exhibit C – Opus Title Review</u>**

**Title Review**

**Title Review**

To the extent required by the Client, Consultant can perform a title review and perform the following

Procedures:

&nbsp;&nbsp;&nbsp;&nbsp;· Review updated title report provided by Third Party Title Company (One Owner O&E report) to identify judgments / liens / encumbrances
(pre and post origination) which would impact the lien position of the subject mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm subject mortgage is recorded.

&nbsp;&nbsp;&nbsp;&nbsp;· Review Schedule B: Ensure any liens recoded prior to the mortgage recordation date are listed to exceptions on the final title policy.

&nbsp;&nbsp;&nbsp;&nbsp;· Super lien Homeowners' Association (HOA) liens.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For the purpose of the review the following states are subject to HOA super liens

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ AL, AK, CO, CT, DC, DE, FL, HI, IL, MA, MD, MN, MO, NV, NH, NJ, OR, PA, RI, TN, VA, VT, WA and WV.

**Item 5 – Summary of findings and conclusions of review**

**1)** **The following tables provide the summary and conclusions based on the review of the assets by Consultant.**

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Results of quality and integrity of information review – This table shows the results of the review of the quality of the information and integrity of data. The column on the left entitled "Data Element" indicates the data element that was reviewed. The column in the center entitled "Count" indicates the number of loans for which the information in the data tape was incorrect, based on our review.** 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;ARM Index Margin Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.55% |
| &nbsp;&nbsp;ARM Index Type | &nbsp;&nbsp;13 | &nbsp;&nbsp;94.20% |
| &nbsp;&nbsp;ARM Interest Rate Rounding Factor | &nbsp;&nbsp;9 | &nbsp;&nbsp;95.98% |
| &nbsp;&nbsp;B1 SSN | &nbsp;&nbsp;33 | &nbsp;&nbsp;85.27% |
| &nbsp;&nbsp;B2 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.55% |
| &nbsp;&nbsp;Balloon Indicator | &nbsp;&nbsp;49 | &nbsp;&nbsp;78.13% |
| &nbsp;&nbsp;Borrower #2 First Name | &nbsp;&nbsp;14 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Borrower #2 Last Name | &nbsp;&nbsp;56 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;16 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;98.21% |
| &nbsp;&nbsp;First Pay Change Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;97.32% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;109 | &nbsp;&nbsp;51.34% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;97.32% |
| &nbsp;&nbsp;Interest Only Period? | &nbsp;&nbsp;30 | &nbsp;&nbsp;86.61% |
| &nbsp;&nbsp;Lender Doc Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;98.21% |
| &nbsp;&nbsp;Lien Priority Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;97.77% |
| &nbsp;&nbsp;Lifetime Downward Rate Change Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.55% |
| &nbsp;&nbsp;Lifetime Upward Rate Change Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.55% |
| &nbsp;&nbsp;Max Rate At First Adjustment | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.55% |
| &nbsp;&nbsp;Neg. Amort Potential? | &nbsp;&nbsp;116 | &nbsp;&nbsp;48.21% |
| &nbsp;&nbsp;Next Pay Change Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;95.98% |
| &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;95.98% |

---

**Page 16 Public**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Number Of Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.11% |
| &nbsp;&nbsp;Occupancy at Origination (Property Usage Type) | &nbsp;&nbsp;29 | &nbsp;&nbsp;87.05% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;61 | &nbsp;&nbsp;72.77% |
| &nbsp;&nbsp;Original Balance (or Line Amount) | &nbsp;&nbsp;75 | &nbsp;&nbsp;66.52% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;147 | &nbsp;&nbsp;34.38% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;98.21% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;144 | &nbsp;&nbsp;35.71% |
| &nbsp;&nbsp;Original Stated P&I | &nbsp;&nbsp;146 | &nbsp;&nbsp;34.82% |
| &nbsp;&nbsp;Original Stated Rate | &nbsp;&nbsp;109 | &nbsp;&nbsp;51.34% |
| &nbsp;&nbsp;Property Address Street | &nbsp;&nbsp;6 | &nbsp;&nbsp;97.32% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.55% |
| &nbsp;&nbsp;Property Postal Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.55% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;94.20% |
| &nbsp;&nbsp;Rate Adjustment Subsequent Cap Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.55% |
| &nbsp;&nbsp;Representative Score | &nbsp;&nbsp;8 | &nbsp;&nbsp;96.43% |
| &nbsp;&nbsp;Sales Price (HUD-1 Line 101) | &nbsp;&nbsp;11 | &nbsp;&nbsp;95.09% |
| &nbsp;&nbsp;Servicing Look Back Days | &nbsp;&nbsp;9 | &nbsp;&nbsp;95.98% |
| &nbsp;&nbsp;Stated Maturity Date | &nbsp;&nbsp;157 | &nbsp;&nbsp;29.91% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;18 | &nbsp;&nbsp;91.96% |
| &nbsp;&nbsp;Subsequent Rate Adjustment Frequency | &nbsp;&nbsp;9 | &nbsp;&nbsp;95.98% |
| &nbsp;&nbsp;**Total Number of Loans** | &nbsp;&nbsp;224 |  |

---

**Multiple Loans to One Borrower:** TPR firm was unable reviewed common identifiers for all loans in the population and the number of obligors with multiple loans in the pool is unknown.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Results of credit, compliance and value reviews – The following tables show our findings with respect to the number of loans, the final loan grade pursuant to the published criteria of the various rating agencies. The final rating agency grade is reported on the horizontal axis of each table as "Final Grade". The migration from the final rating agency grade is based on our review of documents and responses received for the seller or securitizer.** 

**Page 17 Public**

![](ex99-2_001.jpg)

**Page 18 Public**

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| |
|:---|
| **Exception Level** |
| **Run Date - 1/20/2025** |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing id | **Recovco Loan ID** | **Loan # 1** | **Loan # 2** | **Loan # 3** | **SBO Id** | **Exception Category** | **Exception Sub-Category** | **Exception Status** | **Exception Grade** | **Loan Exception ID** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Seller Comments** | **Reviewer Comments** | **Exception Remediation** |
| 90 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3VB30IG1ISP-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 90 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 3VB30IG1ISP-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 90 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3VB30IG1ISP-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 90 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3VB30IG1ISP-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 90 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 3VB30IG1ISP-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 90 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3VB30IG1ISP-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 90 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | 3VB30IG1ISP-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) |  |  |  |  |  |
| 90 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3VB30IG1ISP-SCBT23TP | Good Faith Estimate missing or unexecuted | \* Good Faith Estimate missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 90 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 3VB30IG1ISP-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 90 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | 3VB30IG1ISP-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 90 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3VB30IG1ISP-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 90 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3VB30IG1ISP-7CA29VFR | Init. Escrow Acct Disc missing; loan has escrows | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) |  |  |  |  |  |
| 93 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | 2DPOUIT13Y2-HZ5671LK | Missing Doc | \* Missing Doc (Lvl 2) | The loan file is missing the 2nd lien note for $XX per the loan approval on page 297. |  |  |  |  |
| 93 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2DPOUIT13Y2-7W1GRWVR | Loan appears modified. Mod missing or unexecuted | \* Loan appears modified. Mod missing or unexecuted (Lvl 2) | The loan file is missing the loan modification. |  |  |  |  |
| 122 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 32SWH5J4FXX-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 122 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 32SWH5J4FXX-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 122 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 32SWH5J4FXX-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The loan is missing the initial and final notice of servicing transfer. |  |  |  |  |
| 129 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KZ0E1SHWVSQ-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 129 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | KZ0E1SHWVSQ-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 129 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KZ0E1SHWVSQ-SCBT23TP | Good Faith Estimate missing or unexecuted | \* Good Faith Estimate missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 129 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KZ0E1SHWVSQ-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 129 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KZ0E1SHWVSQ-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 237 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 2EUHPNVPQ2O-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 237 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 2EUHPNVPQ2O-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 237 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2EUHPNVPQ2O-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 237 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2EUHPNVPQ2O-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan file is missing the Interest First ARM Disclosure. |  |  |  |  |
| 237 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 2EUHPNVPQ2O-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 237 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2EUHPNVPQ2O-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 237 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2EUHPNVPQ2O-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 237 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2EUHPNVPQ2O-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 237 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2EUHPNVPQ2O-SCBT23TP | Good Faith Estimate missing or unexecuted | \* Good Faith Estimate missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 237 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 2EUHPNVPQ2O-X23FZWUT | Disclosures | \* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 2) |  |  |  |  |  |
| 237 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2EUHPNVPQ2O-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 18 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 4OUHQBRNMP1-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 18 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 4OUHQBRNMP1-S0H46YO7 | Missing required 1-4 family rider | \* Missing required 1-4 family rider (Lvl 2) |  |  |  |  |  |
| 18 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 4OUHQBRNMP1-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 18 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 4OUHQBRNMP1-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 20 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | TQ5UKH3WMLT-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 20 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | TQ5UKH3WMLT-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 20 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TQ5UKH3WMLT-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 21 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | XWAC4H23PIW-S0H46YO7 | Missing required 1-4 family rider | \* Missing required 1-4 family rider (Lvl 2) |  |  |  |  |  |
| 21 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | XWAC4H23PIW-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 21 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | XWAC4H23PIW-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 21 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | XWAC4H23PIW-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The loan file did not contain the servicing disclosure. |  |  |  |  |
| 21 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | XWAC4H23PIW-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 23 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | 13RLN25AG0S-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) | The file is missing the appraisal. |  |  |  |  |
| 34 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2S2W04HQSND-SCBT23TP | Good Faith Estimate missing or unexecuted | \* Good Faith Estimate missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 34 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 2S2W04HQSND-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 34 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2S2W04HQSND-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 34 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 2S2W04HQSND-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 34 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2S2W04HQSND-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| 34 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 2S2W04HQSND-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 34 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2S2W04HQSND-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 34 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2S2W04HQSND-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 34 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2S2W04HQSND-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 34 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2S2W04HQSND-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan file did not contain the loan program disclosure; loan was ARM with PPP. |  |  |  |  |
| 34 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 2S2W04HQSND-X23FZWUT | Disclosures | \* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 2) | The loan file did not contain the CHARM Booklet and loan was ARM. |  |  |  |  |
| 59 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NBKBXAOZVJ3-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 59 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | NBKBXAOZVJ3-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | "Risk Based Pricing" Notice missing. |  |  |  |  |
| 59 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NBKBXAOZVJ3-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 59 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | NBKBXAOZVJ3-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 59 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NBKBXAOZVJ3-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2001 and transaction funded on 4/XX/2001. The funding date could not be prior to 4/XX/2001. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 62 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3Q0HQ0K3KSA-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The loan file did not contain the final TIL; however, the estimated/preliminary TIL was used for the points and fees test. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 62 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 3Q0HQ0K3KSA-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file. |  |  |  |  |
| 62 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3Q0HQ0K3KSA-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 62 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3Q0HQ0K3KSA-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 62 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 3Q0HQ0K3KSA-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 62 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 3Q0HQ0K3KSA-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 2/XX/2000 and transaction funded on 2/XX/2000. The funding date could not be prior to 2/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 73 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | 41SK1HGG455-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 73 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 41SK1HGG455-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 8/XX/2005 and transaction funded on 8/XX/2005. The funding date could not be prior to 8/XX/2005. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 73 | XX | XX | XX | XX | XX | Valuation | Property | Active | 2: Acceptable with Warnings | 41SK1HGG455-78MB1MM4 | Property is Manufactured Housing | \* Property is Manufactured Housing (Lvl 2) |  |  |  |  |  |
| 73 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 41SK1HGG455-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) |  |  |  |  |  |
| 73 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 41SK1HGG455-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 73 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 41SK1HGG455-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 73 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | 41SK1HGG455-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 73 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 41SK1HGG455-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $61,873.92. The disclosed finance charge of $51,932.00 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. In addition the loan failed the TILA APR Test: This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 8.592%. The disclosed APR of 7.576% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TOS43ZY53FM-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 1/XX/1996 and transaction funded on 1/XX/1996. The funding date could not be prior to 2/XX/1996. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TOS43ZY53FM-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | TOS43ZY53FM-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TOS43ZY53FM-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | TOS43ZY53FM-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TOS43ZY53FM-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 79 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | QADILGTYNGG-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 79 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | QADILGTYNGG-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) | The file contains no evidence that the Right to Cancel was provided to the borrower. Statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 79 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | QADILGTYNGG-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 79 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | QADILGTYNGG-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 79 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | QADILGTYNGG-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 79 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | QADILGTYNGG-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 79 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | QADILGTYNGG-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 6/XX/1994 and transaction funded on 6/XX/1994. The funding date could not be prior to 7/XX/1994. The statute of limitation has expired; downgraded based on client's profile. " |  |  |  |  |
| 80 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | H5VM25L3DBG-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 80 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | H5VM25L3DBG-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The TIL is missing. The APR of 4.5% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 80 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | H5VM25L3DBG-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) | The file is missing the credit report. |  |  |  |  |
| 80 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | H5VM25L3DBG-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The file is missing the initial loan application. |  |  |  |  |
| 80 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | H5VM25L3DBG-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) | The file is missing the appraisal. |  |  |  |  |
| 80 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | H5VM25L3DBG-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The file is missing the notice of servicing transfer. |  |  |  |  |
| 80 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | H5VM25L3DBG-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The file is missing the prepayment rider to the mortgage. |  |  |  |  |
| 80 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | H5VM25L3DBG-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) | The file is missing the title report. |  |  |  |  |
| 80 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | H5VM25L3DBG-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) | The file contains no evidence that the Right to Cancel was provided to the borrower. Statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 83 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | Q1QFM3BLBMJ-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 83 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | Q1QFM3BLBMJ-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 83 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | Q1QFM3BLBMJ-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 83 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | Q1QFM3BLBMJ-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 83 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | Q1QFM3BLBMJ-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The Security Instrument is missing the following: Pre-payment Rider. |  |  |  |  |
| 83 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | Q1QFM3BLBMJ-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 83 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | Q1QFM3BLBMJ-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 83 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | Q1QFM3BLBMJ-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | The TIL is missing. The APR of 14.900% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 83 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | Q1QFM3BLBMJ-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The TIL is missing. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 83 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | Q1QFM3BLBMJ-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 83 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | Q1QFM3BLBMJ-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) | The Title Policy is missing. |  |  |  |  |
| 94 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TDRPJ0P2GUA-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| 94 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | TDRPJ0P2GUA-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 94 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TDRPJ0P2GUA-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 94 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | TDRPJ0P2GUA-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 94 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TDRPJ0P2GUA-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 101 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | GW2RPE24ZD0-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 101 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | GW2RPE24ZD0-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) | The file is missing the title report. |  |  |  |  |
| 101 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | GW2RPE24ZD0-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The file is missing the Notice of Servicing Transfer. |  |  |  |  |
| 101 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | GW2RPE24ZD0-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) | The file is missing the credit report. |  |  |  |  |
| 101 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | GW2RPE24ZD0-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $306,352.52. The disclosed finance charge of $298,469.69 is not considered accurate because it is understated by more than $100. The loan data finance charge is $298,469.69 and the comparison data finance charge is $306,252.52 for a variance of $7,782.83. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 101 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | GW2RPE24ZD0-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The file is missing the Initial Loan Application. |  |  |  |  |
| 101 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | GW2RPE24ZD0-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The file is missing the prepayment rider to the mortgage. |  |  |  |  |
| 101 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | GW2RPE24ZD0-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The Adjustable Rate Mortgage Loan Program Disclosure is missing. |  |  |  |  |
| 101 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | GW2RPE24ZD0-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) | The file is missing the appraisal. |  |  |  |  |
| 123 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | MXLXYM4M3FC-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 123 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | MXLXYM4M3FC-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) | The file contains no evidence that the Right to Cancel was provided to the borrower/co-borrower. Statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 123 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | MXLXYM4M3FC-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) | The file is missing the Appraisal. |  |  |  |  |
| 123 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | MXLXYM4M3FC-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The file is missing the Initial Loan Application. |  |  |  |  |
| 123 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | MXLXYM4M3FC-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The file is missing the Notice of Servicing Transfer. |  |  |  |  |
| 123 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | MXLXYM4M3FC-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) | The file is missing the Title Report. |  |  |  |  |
| 123 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | MXLXYM4M3FC-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) | The file is missing the Credit Report. |  |  |  |  |
| 123 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | MXLXYM4M3FC-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The Adjustable Rate Mortgage Loan Program Disclosure is missing. |  |  |  |  |
| 146 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ASVAEBPIVDM-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 146 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | ASVAEBPIVDM-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 146 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | ASVAEBPIVDM-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1)) The finance charge is $409,443.97. The disclosed finance charge of $409,329.15 is not considered accurate because it is understated by more than $100. The loan data reflects $409,329.15 whereas the max allowed is $409,443.97 resulting in an under disclosed amount of $114.82. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 146 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ASVAEBPIVDM-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 146 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ASVAEBPIVDM-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 147 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 5XAKJK10OSC-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 147 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 5XAKJK10OSC-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 147 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 5XAKJK10OSC-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 147 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 5XAKJK10OSC-SCBT23TP | Good Faith Estimate missing or unexecuted | \* Good Faith Estimate missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 147 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 5XAKJK10OSC-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 152 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0N3DAPVPCCC-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 152 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0N3DAPVPCCC-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 152 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 0N3DAPVPCCC-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 152 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0N3DAPVPCCC-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 162 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | CCD3QXJWRHP-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 162 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | CCD3QXJWRHP-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 162 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | CCD3QXJWRHP-SCBT23TP | Good Faith Estimate missing or unexecuted | \* Good Faith Estimate missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 176 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 1C4J1B5ADXF-7W1GRWVR | Loan appears modified. Mod missing or unexecuted | \* Loan appears modified. Mod missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 176 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 1C4J1B5ADXF-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 176 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 1C4J1B5ADXF-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 188 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ES10EBBPA2X-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The loan file did not contain the Notice of Servicing Transfer Dislcosure |  |  |  |  |
| 188 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ES10EBBPA2X-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 188 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ES10EBBPA2X-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 188 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ES10EBBPA2X-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan file did contain the loan program disclosure was an ARM loan with PPP |  |  |  |  |
| 197 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | OXVEFSLIO1Y-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 200 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KW3SRTATV3R-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 200 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | KW3SRTATV3R-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 212 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | JUAHP4M1FSR-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 212 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | JUAHP4M1FSR-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan file did contain the loan program disclosure was an ARM with PPP |  |  |  |  |
| 220 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WCT1JON1QM3-7W1GRWVR | Loan appears modified. Mod missing or unexecuted | \* Loan appears modified. Mod missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 220 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WCT1JON1QM3-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 220 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WCT1JON1QM3-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 220 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | WCT1JON1QM3-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 226 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | BXOCTK23HSU-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 226 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | BXOCTK23HSU-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 226 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | BXOCTK23HSU-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 227 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 0B14RG5UL2C-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 227 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0B14RG5UL2C-7CA29VFR | Init. Escrow Acct Disc missing; loan has escrows | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) |  |  |  |  |  |
| 227 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0B14RG5UL2C-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 227 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 0B14RG5UL2C-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 227 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0B14RG5UL2C-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 234 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WK1ZMU1L3NI-74BCC4X7 | Mortgage - Missing required ARM Rider | \* Mortgage - Missing required ARM Rider (Lvl 2) |  |  |  |  |  |
| 234 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WK1ZMU1L3NI-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 234 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | WK1ZMU1L3NI-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 234 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WK1ZMU1L3NI-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 234 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WK1ZMU1L3NI-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 236 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 5R0WVJ1RGFC-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 236 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 5R0WVJ1RGFC-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 244 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | CQGNKQ1NPWS-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 244 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | CQGNKQ1NPWS-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 244 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | CQGNKQ1NPWS-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 253 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | PP2LL3GESKX-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 253 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PP2LL3GESKX-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 253 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PP2LL3GESKX-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 253 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PP2LL3GESKX-7W1GRWVR | Loan appears modified. Mod missing or unexecuted | \* Loan appears modified. Mod missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 253 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | PP2LL3GESKX-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 253 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | PP2LL3GESKX-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 258 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 30BRMZL13ZK-9ZZ18NGR | Balloon Rider Missing | \* Balloon Rider Missing (Lvl 2) |  |  |  |  |  |
| 258 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 30BRMZL13ZK-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 258 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 30BRMZL13ZK-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 265 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | IHCXRAOXDXQ-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 265 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | IHCXRAOXDXQ-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1)) The finance charge is $325,126.37. The disclosed finance charge of $315,510.47 is not considered accurate because it is understated by more than $100. This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $325,126.37. The disclosed finance charge of $315,510.47 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 8.528%. The disclosed APR of 7.990% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. |  |  |  |  |
| 269 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | UC1TWER0XI0-7W1GRWVR | Loan appears modified. Mod missing or unexecuted | \* Loan appears modified. Mod missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 269 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | UC1TWER0XI0-GXOVNRMB | ComplianceEase RESPA Test Incomplete | \* ComplianceEase RESPA Test Incomplete (Lvl 2) |  |  |  |  |  |
| 269 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | UC1TWER0XI0-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 271 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0RZHVCG5UO0-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan file did not contain the initial loan program disclosure dated 6/XX/2006; loan was ARM with PPP. |  |  |  |  |
| 271 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0RZHVCG5UO0-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The loan file did not contain the initial notice of servicing transfer dated 6/XX/2006. |  |  |  |  |
| 271 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 0RZHVCG5UO0-X23FZWUT | Disclosures | \* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 2) | The loan file did not contain the CHARM Booklet and loan was ARM. |  |  |  |  |
| 271 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0RZHVCG5UO0-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The note reflects a prepayment penalty, however, the loan file is missing the prepayment penalty rider to the mortgage. |  |  |  |  |
| 271 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0RZHVCG5UO0-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 271 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | 0RZHVCG5UO0-F5KBXJVS | Special information booklet is Missing | \* Special information booklet is Missing (Lvl 2) | The loan file is missing the Buying Your Home: Settlement Costs and Helpful Information booklet for purchases. |  |  |  |  |
| 271 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 0RZHVCG5UO0-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the initial TIL disclosure date test due to the following: (12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009) the application date of the loan is before July 30, 2009, and The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and<br> The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. This calculations takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(a)(1)(i) (early disclosures three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on Saturday As not being open on Sunday PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 280 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | D4VEQZMNPLK-7W1GRWVR | Loan appears modified. Mod missing or unexecuted | \* Loan appears modified. Mod missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 280 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | D4VEQZMNPLK-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 280 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | D4VEQZMNPLK-GXOVNRMB | ComplianceEase RESPA Test Incomplete | \* ComplianceEase RESPA Test Incomplete (Lvl 2) |  |  |  |  |  |
| 281 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 01E2XOZTOSI-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The loan file is missing the initial application. |  |  |  |  |
| 281 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 01E2XOZTOSI-7W1GRWVR | Loan appears modified. Mod missing or unexecuted | \* Loan appears modified. Mod missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 281 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 01E2XOZTOSI-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 284 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | QALSKNAEZ2D-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 284 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | QALSKNAEZ2D-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 284 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | QALSKNAEZ2D-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 286 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | LTM4TECUCXG-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 286 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | LTM4TECUCXG-7W1GRWVR | Loan appears modified. Mod missing or unexecuted | \* Loan appears modified. Mod missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 286 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | LTM4TECUCXG-GXOVNRMB | ComplianceEase RESPA Test Incomplete | \* ComplianceEase RESPA Test Incomplete (Lvl 2) |  |  |  |  |  |
| 286 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | LTM4TECUCXG-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 286 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | LTM4TECUCXG-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 121 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | MBOAGRQ4GZG-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 239 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | VRCVVQ40HVD-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 239 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | VRCVVQ40HVD-X23FZWUT | Disclosures | \* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 2) |  |  |  |  |  |
| 239 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | VRCVVQ40HVD-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 31 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YY1CCU4N33H-7CA29VFR | Init. Escrow Acct Disc missing; loan has escrows | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) |  |  |  |  |  |
| 31 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YY1CCU4N33H-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 31 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YY1CCU4N33H-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan file did not contain a loan program disclosure with a prepayment penalty provision. |  |  |  |  |
| 31 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | YY1CCU4N33H-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 31 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YY1CCU4N33H-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 31 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YY1CCU4N33H-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 68 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | AQXTJYPXSPZ-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 68 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | AQXTJYPXSPZ-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 287 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NO5ULBCOYTY-8R4R1817 | Credit score not provided | \* Credit score not provided (Lvl 2) |  |  |  |  |  |
| 287 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NO5ULBCOYTY-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 287 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | NO5ULBCOYTY-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 288 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | MSKLYJTCLIY-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The Security Instrument is missing the following: Prepayment Rider. |  |  |  |  |
| 288 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | MSKLYJTCLIY-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 288 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | MSKLYJTCLIY-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 289 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2LGS1OQZCWH-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 290 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | N3I4C553RPD-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 291 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | TZD5KFXEYTG-X23FZWUT | Disclosures | \* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 2) |  |  |  |  |  |
| 291 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | TZD5KFXEYTG-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 291 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TZD5KFXEYTG-SCBT23TP | Good Faith Estimate missing or unexecuted | \* Good Faith Estimate missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 292 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | DHY0EJL4ZDW-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The file is missing the prepayment rider to the mortgage. |  |  |  |  |
| 292 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | DHY0EJL4ZDW-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. Unable to determine if early disclosures were provided within 3-business days of application date. |  |  |  |  |
| 292 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | DHY0EJL4ZDW-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 294 | XX | XX | XX | XX | XX | Compliance | Compliance | Resolved | Resolved | 41XUD4VIKWQ-TRKLWKHN | ComplianceEase Risk Indicator is "Moderate" | \* ComplianceEase Risk Indicator is "Moderate" (Lvl R) | To be resolved. |  |  |  |  |
| 294 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 41XUD4VIKWQ-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 294 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 41XUD4VIKWQ-7XL1EDMH | Required Affiliated Business Disclosure missing/un | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) |  |  |  |  |  |
| 294 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 41XUD4VIKWQ-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 294 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 41XUD4VIKWQ-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 294 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 41XUD4VIKWQ-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 294 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 41XUD4VIKWQ-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end Open-end The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 295 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TMREOIBBAAB-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The Security Instrument is missing the following: Pre-payment Rider. |  |  |  |  |
| 295 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | TMREOIBBAAB-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 295 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | TMREOIBBAAB-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) ,<br> transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 296 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | A5Z0G2CU0BS-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 297 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KWDLY25YD5Q-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 297 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KWDLY25YD5Q-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The Security Instrument is missing the following: Pre-payment Rider. |  |  |  |  |
| 297 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KWDLY25YD5Q-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 297 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | KWDLY25YD5Q-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 297 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | KWDLY25YD5Q-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 297 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | KWDLY25YD5Q-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 297 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KWDLY25YD5Q-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) | The file contains no evidence that the Right to Cancel was provided to the borrowers. Statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | S5Z1RHLASLG-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Disclosures | Active | 2: Acceptable with Warnings | S5Z1RHLASLG-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl 2) | The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, 8/XX/2016. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | S5Z1RHLASLG-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Disclosures | Active | 2: Acceptable with Warnings | S5Z1RHLASLG-3LSSZ104 | App on/after 2010 & Svc Provider List is Missing | \* Application on/after 2010 and Service Provider List is Missing (Lvl 2) | The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | S5Z1RHLASLG-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 301 | XX | XX | XX | XX | XX | Compliance | Compliance | Resolved | Resolved | G21XFFZOND0-GXOVNRMB | ComplianceEase RESPA Test Incomplete | \* ComplianceEase RESPA Test Incomplete (Lvl R) |  |  |  |  |  |
| 301 | XX | XX | XX | XX | XX | Compliance | Compliance | Resolved | Resolved | G21XFFZOND0-J3GKFTVC | ComplianceEase Exceptions Test Incomplete | \* ComplianceEase Exceptions Test Incomplete (Lvl R) |  |  |  |  |  |
| 301 | XX | XX | XX | XX | XX | Credit | Doc Issue | Resolved | Resolved | G21XFFZOND0-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl R) |  |  |  |  |  |
| 301 | XX | XX | XX | XX | XX | Credit | Doc Issue | Resolved | Resolved | G21XFFZOND0-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl R) |  |  |  |  |  |
| 301 | XX | XX | XX | XX | XX | Credit | Doc Issue | Resolved | Resolved | G21XFFZOND0-7XL1EDMH | Required Affiliated Business Disclosure missing/un | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl R) |  |  |  |  |  |
| 301 | XX | XX | XX | XX | XX | Credit | Doc Issue | Resolved | Resolved | G21XFFZOND0-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl R) |  |  |  |  |  |
| 301 | XX | XX | XX | XX | XX | Compliance | Compliance | Resolved | Resolved | G21XFFZOND0-X3AM5KS9 | ComplianceEase State Regulations Test Incomplete | \* ComplianceEase State Regulations Test Incomplete (Lvl R) |  |  |  |  |  |
| 302 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 4OFSB4HJB2X-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2AD5T0JTQWO-J7TGAXRN | Initial Truth in Lending Disclosure is Missing | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2AD5T0JTQWO-U4SHPKU0 | Initial Good Faith Estimate is Missing | \* Initial Good Faith Estimate is Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 2AD5T0JTQWO-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Disclosures | Active | 2: Acceptable with Warnings | 2AD5T0JTQWO-3LSSZ104 | App on/after 2010 & Svc Provider List is Missing | \* Application on/after 2010 and Service Provider List is Missing (Lvl 2) | The Service Provider List is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 2AD5T0JTQWO-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | This loan failed the HOEPA higher-priced mortgage loan test. (12 CFR §1026.35(a)(1) , transferred from 12 CFR §226.35(a)(1) as enacted in 2008) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the HOEPA higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher priced mortgage loans even if the additional conditions are met. The loan is higher-priced and it meets requirements. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2AD5T0JTQWO-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | DZA0MBVIEIZ-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | DZA0MBVIEIZ-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | DZA0MBVIEIZ-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $52,952.30. The disclosed finance charge of $39,000.00 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | DZA0MBVIEIZ-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | DZA0MBVIEIZ-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | QQ'>Higher-Priced Mortgage Loan | \* Higher-Priced Mortgage Loan (Lvl 2) | Higher Priced transactions require a written appraisal. |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | QQ'>Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | QQ'>Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | QQ'>Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | ZG0I5B3Z3MQ-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ZG0I5B3Z3MQ-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | ZG0I5B3Z3MQ-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ZG0I5B3Z3MQ-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | ZG0I5B3Z3MQ-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ZG0I5B3Z3MQ-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ZG0I5B3Z3MQ-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | ZG0I5B3Z3MQ-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | ZG0I5B3Z3MQ-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | COFVDZE03U5-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | COFVDZE03U5-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | COFVDZE03U5-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | COFVDZE03U5-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PS5GKPMLUOX-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PS5GKPMLUOX-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | PS5GKPMLUOX-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | PS5GKPMLUOX-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | UGK11GXMC1V-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | UGK11GXMC1V-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | UGK11GXMC1V-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | 55MORJC4NJ2-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 55MORJC4NJ2-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 55MORJC4NJ2-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | YPMZNEAMWCW-KI6RIVER | Higher-Priced Mortgage Loan | \* Higher-Priced Mortgage Loan (Lvl 2) | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1)) This loan does not qualify for a safe harbor. The loan has an APR of 6.510%. The APR threshold to qualify for a safe harbor is 4.880%. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YPMZNEAMWCW-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | AFLPXC43RWN-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | AFLPXC43RWN-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | AFLPXC43RWN-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | AFLPXC43RWN-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | AFLPXC43RWN-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YINOBJZ40RA-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YINOBJZ40RA-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YINOBJZ40RA-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | YINOBJZ40RA-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | DQHRTK3JDXH-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | DQHRTK3JDXH-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | DQHRTK3JDXH-PXITUQYJ | 1003 Application [information not provide] | \* 1003 Application [information not provide] (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | DQHRTK3JDXH-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | DQHRTK3JDXH-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | DQHRTK3JDXH-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | APFOK1AG5HM-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | APFOK1AG5HM-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | UELGIO04YIJ-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | UELGIO04YIJ-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | UELGIO04YIJ-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | BU11ZDFU5K3-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | BU11ZDFU5K3-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | BU11ZDFU5K3-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 303 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 5QRGBUVUMC0-EXSOIS8W | Mortgage missing / unexecuted | \* Mortgage missing / unexecuted (Lvl 2) |  |  |  |  |  |
| 303 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | 5QRGBUVUMC0-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 303 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 5QRGBUVUMC0-8R4R1817 | Credit score not provided | \* Credit score not provided (Lvl 2) |  |  |  |  |  |
| 303 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 5QRGBUVUMC0-9ZZ18NGR | Balloon Rider Missing | \* Balloon Rider Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 3IWLQ04MXWT-KI6RIVER | Higher-Priced Mortgage Loan | \* Higher-Priced Mortgage Loan (Lvl 2) | The loan is QM higher-priced. The statue of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3IWLQ04MXWT-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3IWLQ04MXWT-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0DDAZ135NR3-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | 0DDAZ135NR3-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0DDAZ135NR3-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Disclosures | Active | 2: Acceptable with Warnings | UVJ42JX2MBE-4HBCUSII | App on/after 1/XX/2014 HOC Disc not in file | \* Application on/after 2014 and Homeownership Counseling Disc is not in file (Lvl 2) | Homeownership Counseling Disclosure is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | UVJ42JX2MBE-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | UVJ42JX2MBE-GWM0NAOS | ComplianceEase TRID Tolerance Test Failed #2 | \* ComplianceEase TRID Tolerance Test Failed #2 (Lvl 2) | The loan is an HPML and it meets the Escrow and Appraisal Requirements. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | UVJ42JX2MBE-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Disclosures | Active | 2: Acceptable with Warnings | UVJ42JX2MBE-3LSSZ104 | App on/after 2010 & Svc Provider List is Missing | \* Application on/after 2010 and Service Provider List is Missing (Lvl 2) | Service Provider List is Missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2K3J2BL1SQO-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2K3J2BL1SQO-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| 305 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | BQ5TLFCACNP-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial loan application is missing from the file. |  |  |  |  |
| 305 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | BQ5TLFCACNP-J67UPU9C | Final Application is missing | \* Final Application is missing (Lvl 2) | The final loan application is missing from the file. |  |  |  |  |
| 307 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | PQ3ORFXKK5W-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) | The 1008 is missing. |  |  |  |  |
| 307 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PQ3ORFXKK5W-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The Final application is missing. |  |  |  |  |
| 307 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | PQ3ORFXKK5W-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $124,587.64. The disclosed finance charge of $96,093.17 is not considered accurate because it is understated by more than $100. The Contract rate per the Note is 11.780%, but the listed APR is 10.185%. The loan has an Agreed Rate Reduction clause stating that the rate will decrease 0.30% each year up to 10 times if 12 consecutive payments are made timely. This reduction as shown on the TIL is based on the assumption that those payments will be made on-time.This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)). The finance charge is $124,587.64. The disclosed finance charge of $96,093.17 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The Contract rate per the Note is 11.780%, but the listed APR is 10.185%. The loan has an Agreed Rate Reduction clause stating that the rate will decrease 0.30% each year up to 10 times if 12 consecutive payments are made timely. This reduction as shown on the TIL is based on the assumption that those payments will be made on-time. <br> This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)). The annual percentage rate (APR) is 11.783%. The disclosed APR of 10.185% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The Contract rate per the Note is 11.780%, but the listed APR is 10.185%. The loan has an Agreed Rate Reduction clause stating that the rate will decrease 0.30% each year up to 10 times if 12 consecutive payments are made timely. This reduction as shown on the TIL is based on the assumption that those payments will be made on-time.<br> This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Disbursement/Funding Date is missing. |  |  |  |  |
| 308 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | NG1KR0CXKNS-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) | The 1008 is missing. |  |  |  |  |
| 308 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NG1KR0CXKNS-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The Final Application is missing. |  |  |  |  |
| 308 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | NG1KR0CXKNS-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $156,653.22. The disclosed finance charge of $111,412.67 is not considered accurate because it is understated by more than $100. The contract rate per the Note is 12.340%. The APR on the TIL is 10.221%. The Note contains an Agreed Rate Reduction clause that states the rate will be reduced 0.40% up to 10 times for each year 12 payments are made in a timely fashion. The APR is based on the assumption that all of these payments will be made timely.<br> This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)). The finance charge is $156,653.22. The disclosed finance charge of $111,412.67 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The contract rate per the Note is 12.340%. The APR on the TIL is 10.221%. The Note contains an Agreed Rate Reduction clause that states the rate will be reduced 0.40% up to 10 times for each year 12 payments are made in a timely fashion. The APR is based on the assumption that all of these payments will be made timely.<br> This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)). The annual percentage rate (APR) is 12.340%. The disclosed APR of 10.221% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The contract rate per the Note is 12.340%. The APR on the TIL is 10.221%. The Note contains an Agreed Rate Reduction clause that states the rate will be reduced 0.40% up to 10 times for each year 12 payments are made in a timely fashion. The APR is based on the assumption that all of these payments will be made timely.<br> This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Disbursement/Funding date is missing from the file. |  |  |  |  |
| 309 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | X1I4VOYHVQ0-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $90,680.16. The disclosed finance charge of $71,245.23 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. In addition, this loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 11.583%. The disclosed APR of 10.035% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 309 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | X1I4VOYHVQ0-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 309 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | X1I4VOYHVQ0-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 309 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | X1I4VOYHVQ0-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| 309 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | X1I4VOYHVQ0-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 309 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | X1I4VOYHVQ0-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 309 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | X1I4VOYHVQ0-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 7/XX/2006 and transaction funded on 7/XX/2006. The funding date could not be prior to 7/XX/2006. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 310 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | XHBOC0XPXGM-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 310 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | XHBOC0XPXGM-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 9/XX/2006 and transaction funded on 9/XX/2006. The funding date could not be prior to 9/XX/2006. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 310 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | XHBOC0XPXGM-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 311 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | GT0MXSE5O1M-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 311 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | GT0MXSE5O1M-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The 1003 is missing. |  |  |  |  |
| 311 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | GT0MXSE5O1M-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $109,643.81. The disclosed finance charge of $101,219.60 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater.<br> The statute of limitation has expired; downgraded based on client's profile. <br> Additionally,<br> This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $109,643.81. The disclosed finance charge of $101,219.60 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 312 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | 3M1KA5KZFAA-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 312 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 3M1KA5KZFAA-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 312 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 3M1KA5KZFAA-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $63,140.51. The disclosed finance charge of $53,846.79 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. This loan failed the TILA APR test. (12 CFR §1026.22(a)(), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 9.693%. The disclosed APR of 8.707% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitations has expired; downgraded based on client's profile. |  |  |  |  |
| 312 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3M1KA5KZFAA-4K3ADRIW | Credit report >90 days old at closing | \* Credit report >90 days old at closing (Lvl 2) |  |  |  |  |  |
| 313 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | EBKM3SRBQQJ-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) ,<br> transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Funding/Disbursement Date is missing from the file. |  |  |  |  |
| 313 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | EBKM3SRBQQJ-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 314 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | G1YKK524DW1-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 09/XX/2007 and transaction funded on 09/XX/2007. The funding date could not be prior to 09/XX/2007. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 314 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | G1YKK524DW1-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | All 1003 Application Missing. |  |  |  |  |
| 314 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | G1YKK524DW1-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 316 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | RE5UZ50ZYZB-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 3/XX/2008 and transaction funded on 3/XX/2008. The funding date could not be prior to 3/XX/2008. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 316 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | RE5UZ50ZYZB-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 316 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | RE5UZ50ZYZB-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 316 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | RE5UZ50ZYZB-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | R1NOYLVHMPF-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | R1NOYLVHMPF-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 317 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | ZUIQDUEETW0-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 317 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | ZUIQDUEETW0-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 317 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | ZUIQDUEETW0-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 317 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | ZUIQDUEETW0-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 317 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ZUIQDUEETW0-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 318 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0YIEMFJS0F3-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 318 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 0YIEMFJS0F3-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 318 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 0YIEMFJS0F3-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | All 1003 are missing. |  |  |  |  |
| 319 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | Z53DGHEDBF0-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 319 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | Z53DGHEDBF0-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. In addition the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 319 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | Z53DGHEDBF0-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 319 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | Z53DGHEDBF0-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 320 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | MK5DKOUKQKS-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 320 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | MK5DKOUKQKS-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 320 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | MK5DKOUKQKS-7CA29VFR | Init. Escrow Acct Disc missing; loan has escrows | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. Per (§ 3500.17(g)) the servicer must submit an initial escrow account statement to the borrower at settlement or within forty-five calendar days of settlement for escrow accounts that are established as a condition of the loan. |  |  |  |  |
| 320 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | MK5DKOUKQKS-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 322 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | KYZAAW5EKMW-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) | The 1008 is missing. |  |  |  |  |
| 322 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KYZAAW5EKMW-8R4R1817 | Credit score not provided | \* Credit score not provided (Lvl 2) | There was no Credit Score provided for Borrower #2. |  |  |  |  |
| 323 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | RMQVODMPHVH-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 323 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | RMQVODMPHVH-S0H46YO7 | Missing required 1-4 family rider | \* Missing required 1-4 family rider (Lvl 2) |  |  |  |  |  |
| 324 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | KEI01MSJJAE-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 324 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | KEI01MSJJAE-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 10/XX/2008 and transaction funded on 10/XX/2008. The funding date could not be prior to 10/XX/2008. The statute of limitation has expired; downgraded based on client's profile. " |  |  |  |  |
| 324 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KEI01MSJJAE-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 324 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | KEI01MSJJAE-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 324 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KEI01MSJJAE-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 325 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | XGIYM1GO213-ZA49MT6Q | ComplianceEase Risk Indicator is "Elevated" | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. |  |  |  |  |
| 326 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | ZSH2GVKASSD-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 326 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ZSH2GVKASSD-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 326 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | ZSH2GVKASSD-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $463,572.68. The disclosed finance charge of $453,682.62 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 326 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ZSH2GVKASSD-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| 326 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ZSH2GVKASSD-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 326 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ZSH2GVKASSD-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 10/XX/2008 and transaction funded on 10/XX/2008. The funding date could not be prior to 10/XX/2008. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 327 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | A2SC2SSLZ1R-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 327 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | A2SC2SSLZ1R-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 327 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | A2SC2SSLZ1R-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 329 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | D4L2KIZWQX4-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 329 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | D4L2KIZWQX4-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 329 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | D4L2KIZWQX4-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 330 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2B2442LUBGE-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) | The Credit Report is missing. |  |  |  |  |
| 330 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 2B2442LUBGE-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) | The 1008 is missing. |  |  |  |  |
| 330 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2B2442LUBGE-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | Missing the Initial Application and the Final Application. |  |  |  |  |
| 330 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2B2442LUBGE-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The ARM Loan Program Disclosure is missing. |  |  |  |  |
| 330 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2B2442LUBGE-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) | The file contains no evidence that the Right to Cancel was provided to the borrower(s). Statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 330 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2B2442LUBGE-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 6/XX/2002 and transaction funded on 6/XX/2002. The funding date could not be prior to 6/XX/2002. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 330 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2B2442LUBGE-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The TIL is missing. The APR of 10.521% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 330 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | 2B2442LUBGE-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) | The Appraisal is missing. |  |  |  |  |
| 331 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | W23DESN52LB-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 331 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | W23DESN52LB-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 331 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | W23DESN52LB-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file. |  |  |  |  |
| 331 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | W23DESN52LB-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 331 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | W23DESN52LB-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 332 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NZ1MBXY4Y3I-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 332 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | NZ1MBXY4Y3I-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $288,717.64. The disclosed finance charge of $212,629.15 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The finance charge is understated by $75,343.01. In addition, the loan fails the TILA APR Test. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 9.524%. The disclosed APR of 7.942% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The following fees are included in the calculation: $75,988.49. The statute of limitations has expired; downgraded based on client's profile. |  |  |  |  |
| 332 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NZ1MBXY4Y3I-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 332 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NZ1MBXY4Y3I-8R4R1817 | Credit score not provided | \* Credit score not provided (Lvl 2) |  |  |  |  |  |
| 332 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | NZ1MBXY4Y3I-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Risk Based Pricing" Notice and "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 332 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | NZ1MBXY4Y3I-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 334 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | FU0ZNBSTYBI-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 334 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | FU0ZNBSTYBI-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 334 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | FU0ZNBSTYBI-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 7/XX/2000 and transaction funded on 8/XX/2000. The funding date could not be prior to 8/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 335 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WMRPDCLNEWL-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The TIL dated 4/XX/2002 is not signed. Auditor unable to determine if it was provided to the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 335 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WMRPDCLNEWL-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2002 and transaction funded on 4/XX/2002. The funding date could not be prior to 4/XX/2002. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 335 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WMRPDCLNEWL-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 335 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WMRPDCLNEWL-L3H19CW0 | TIL not hand dated | \* TIL not hand dated (Lvl 2) | The TIL dated 4/XX/2002 is not signed. Auditor unable to determine if it was provided to the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 335 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | WMRPDCLNEWL-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 335 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | WMRPDCLNEWL-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $190,433.50. The disclosed finance charge of $176,178.32 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3F1DQCNIF45-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3F1DQCNIF45-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 3F1DQCNIF45-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3F1DQCNIF45-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3F1DQCNIF45-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3F1DQCNIF45-SCBT23TP | Good Faith Estimate missing or unexecuted | \* Good Faith Estimate missing or unexecuted (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 3F1DQCNIF45-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | The ROR is missing. This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) ,<br> transferred from 12 CFR §226.15(a)(3)) |  |  |  |  |
| 336 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | ARRFLYTF35X-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $217,893.25. The disclosed finance charge of $165,621.51 is not considered accurate because it is understated by more than $100. In addition, this loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 7.474%. The disclosed APR of 6.156% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The following fees are included in the calculation: Loan Origination Fee ($11,715.00). The statute of limitations has expired; downgraded based on client's profile. |  |  |  |  |
| 336 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ARRFLYTF35X-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred on 3/XX/2005 and transaction funded on 3/XX/2005. The funding date could not be prior to 3/XX/2005. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 336 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | ARRFLYTF35X-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 336 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ARRFLYTF35X-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 336 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | ARRFLYTF35X-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" and the "Notice to Home Loan Applicant" Notice are missing from the loan file. |  |  |  |  |
| 337 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | 5UGN5XC4Q2P-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 337 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 5UGN5XC4Q2P-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 337 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 5UGN5XC4Q2P-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 11/XX/2000 and transaction funded on 11/XX/2000. The funding date could not be prior to 11/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 337 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 5UGN5XC4Q2P-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice and missing from the loan file. |  |  |  |  |
| 337 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 5UGN5XC4Q2P-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 338 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2QGMAUPZGVD-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | 1003 Application missing. |  |  |  |  |
| 338 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 2QGMAUPZGVD-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 338 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2QGMAUPZGVD-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 02/XX/2001 and transaction funded on 02/XX/2001. The funding date could not be prior to 02/XX/2001. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 339 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | NYIGM3UQOCU-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $136,216.03. The disclosed finance charge of $136,096.26 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 339 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NYIGM3UQOCU-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The Final TIL is not signed by the borrower. |  |  |  |  |
| 339 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NYIGM3UQOCU-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The Final Application at Closing is missing. |  |  |  |  |
| 339 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NYIGM3UQOCU-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 5/XX/2000 and transaction funded on 5/XX/2000. The funding date could not be prior to 5/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 339 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | NYIGM3UQOCU-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) | The 1008 is missing. |  |  |  |  |
| 340 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | JWCMNZNQNRZ-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 340 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | JWCMNZNQNRZ-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 340 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | JWCMNZNQNRZ-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 340 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | JWCMNZNQNRZ-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 340 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | JWCMNZNQNRZ-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrowers'. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 340 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | JWCMNZNQNRZ-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 340 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | JWCMNZNQNRZ-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 340 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | JWCMNZNQNRZ-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from |  |  |  |  |
| 340 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | JWCMNZNQNRZ-ALRISXDQ | ComplianceEase State Regulations Test Failed | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to one of the following findings: (NC §24-1.1A (c)(1)(b)) The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate, |  |  |  |  |
| 340 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | JWCMNZNQNRZ-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 341 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | PFMFS1KXE0M-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 341 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PFMFS1KXE0M-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 2/XX/2001 and transaction funded on 2/XX/2001. The funding date could not be prior to 2/XX/2001. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 341 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | PFMFS1KXE0M-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 12.941%. The disclosed APR of 14.890% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitations has expired; downgraded based on client's profile. |  |  |  |  |
| 341 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PFMFS1KXE0M-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | 1003 Application missing. |  |  |  |  |
| 341 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PFMFS1KXE0M-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The TIL is missing. The APR of 14.890 was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 341 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PFMFS1KXE0M-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 342 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | VNVVZAGU44M-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 342 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | VNVVZAGU44M-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2000 and transaction funded on 4/XX/2000. The funding date could not be prior to 4/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 342 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | VNVVZAGU44M-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 342 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | VNVVZAGU44M-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 342 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | VNVVZAGU44M-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 342 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | VNVVZAGU44M-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 343 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | C4IL45Z3PJA-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 343 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | C4IL45Z3PJA-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 343 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | C4IL45Z3PJA-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 343 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | C4IL45Z3PJA-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 2/XX/2002 and transaction funded on 2/XX/2002. The funding date could not be prior to 2/XX/2002. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 344 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YJIANECHO5G-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 344 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | YJIANECHO5G-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 344 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | YJIANECHO5G-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 344 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YJIANECHO5G-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 344 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | YJIANECHO5G-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 344 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YJIANECHO5G-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The loan file did not contain the final TIL; however, the estimated/preliminary TIL was used for the points and fees test. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 344 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | YJIANECHO5G-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 344 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | YJIANECHO5G-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 346 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | HHCGEPZVSRZ-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 346 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | HHCGEPZVSRZ-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 347 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TQ1TTAA2Q1T-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 347 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TQ1TTAA2Q1T-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 347 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TQ1TTAA2Q1T-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 347 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | TQ1TTAA2Q1T-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" and the "Notice to the Home Loan Applicant" are missing from the loan file. |  |  |  |  |
| 347 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | TQ1TTAA2Q1T-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 347 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TQ1TTAA2Q1T-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 12/XX/2000 and transaction funded on 12/XX/2000. The funding date could not be prior to 12/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 348 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | QEYVTTNGEAG-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 348 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | QEYVTTNGEAG-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 10/XX/2002 and transaction funded on 10/XX/2002. The funding date could not be prior to 10/XX/2002. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 348 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | QEYVTTNGEAG-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 350 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | BL0QGMINN4L-SCBT23TP | Good Faith Estimate missing or unexecuted | \* Good Faith Estimate missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 350 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | BL0QGMINN4L-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 351 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | YV5JAKZGAAB-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 351 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YV5JAKZGAAB-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 351 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | YV5JAKZGAAB-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The Notice to the Home Loan Applicant and the Risk Based Pricing Notice is missing from the loan file. |  |  |  |  |
| 351 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | YV5JAKZGAAB-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 351 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YV5JAKZGAAB-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | "This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 8/XX/2002 and transaction funded on 8/XX/2002. The funding date could not be prior to 8/XX/2002. The statute of limitation has expired; downgraded based on client's profile. " |  |  |  |  |
| 352 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | M5W1UUWZSPL-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 352 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | M5W1UUWZSPL-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 352 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | M5W1UUWZSPL-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 352 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | M5W1UUWZSPL-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 352 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | M5W1UUWZSPL-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The loan file did not contain the final TIL; however, the estimated/preliminary TIL was used for the points and fees test. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 352 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | M5W1UUWZSPL-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 352 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | M5W1UUWZSPL-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 3/XX/2001 and transaction funded on 3/XX/2001. The funding date could not be prior to 3/XX/2001. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 353 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | AKM535ZJZPK-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 353 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | AKM535ZJZPK-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 12.212%. The disclosed APR of 14.223% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 353 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | AKM535ZJZPK-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The TIL is missing. The APR of 14.223% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 353 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | AKM535ZJZPK-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 8/XX/2001 and transaction funded on 8/XX/2001. The funding date could not be prior to 8/XX/2001. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 353 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | AKM535ZJZPK-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 353 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | AKM535ZJZPK-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial application is missing. |  |  |  |  |
| 357 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | XPSQUCCBLHR-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 357 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | XPSQUCCBLHR-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 357 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | XPSQUCCBLHR-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 357 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | XPSQUCCBLHR-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 357 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | XPSQUCCBLHR-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2002 and transaction funded on 4/XX/2002. The funding date could not be prior to 4/XX/2002. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 357 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | XPSQUCCBLHR-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file. |  |  |  |  |
| 358 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | 3QQMEEYDTK4-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 358 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | 3QQMEEYDTK4-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 358 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | 3QQMEEYDTK4-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 358 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3QQMEEYDTK4-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 358 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3QQMEEYDTK4-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 1/XX/2001 and transaction funded on 1/XX/2001. The funding date could not be prior to 1/XX/2001. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 359 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 5D3TPYPZQQU-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The Final TIL was not signed by the borrowers. |  |  |  |  |
| 359 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 5D3TPYPZQQU-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) | The 1008 is missing. |  |  |  |  |
| 359 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 5D3TPYPZQQU-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | Missing the Final Application at Closing. |  |  |  |  |
| 360 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | WOOS22TYP00-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 360 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WOOS22TYP00-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 360 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | WOOS22TYP00-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from |  |  |  |  |
| 360 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | WOOS22TYP00-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 360 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WOOS22TYP00-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 360 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | WOOS22TYP00-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 361 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | PJHPWNPIOXE-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 361 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PJHPWNPIOXE-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 361 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PJHPWNPIOXE-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 361 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | PJHPWNPIOXE-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 361 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | PJHPWNPIOXE-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 361 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | PJHPWNPIOXE-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $158,120.13. The disclosed finance charge of $156,364.79 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 362 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | IX0ABCZD2AL-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The file is missing the prepayment penalty rider to the mortgage. |  |  |  |  |
| 362 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | IX0ABCZD2AL-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) | The file is missing the appraisal. |  |  |  |  |
| 363 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | VAW3PEI3S0P-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) | The appraisal is missing. |  |  |  |  |
| 363 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | VAW3PEI3S0P-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 363 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | VAW3PEI3S0P-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The prepayment penalty rider to the mortgage is missing. |  |  |  |  |
| 363 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | VAW3PEI3S0P-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 364 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NHKLXDXN3PD-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 364 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NHKLXDXN3PD-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 364 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | NHKLXDXN3PD-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file. |  |  |  |  |
| 364 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | NHKLXDXN3PD-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 364 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | NHKLXDXN3PD-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 364 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | NHKLXDXN3PD-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 11/XX/2000 and transaction funded on 11/XX/2000. The funding date could not be prior to 11/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 365 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | YJQD1AENONA-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. |  |  |  |  |
| 365 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YJQD1AENONA-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 365 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | YJQD1AENONA-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 365 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YJQD1AENONA-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 365 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | YJQD1AENONA-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 365 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | YJQD1AENONA-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 366 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | X3O1RH1PZLA-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 366 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | X3O1RH1PZLA-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 5/XX/2002 and transaction funded on 5/XX/2002. The funding date could not be prior to 5/XX/2002. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 366 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | X3O1RH1PZLA-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) | The 1008 is missing. |  |  |  |  |
| 367 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | XO1PRZPO5XJ-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 367 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | XO1PRZPO5XJ-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 367 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | XO1PRZPO5XJ-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 367 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | XO1PRZPO5XJ-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 367 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | XO1PRZPO5XJ-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 1/XX/2000 and transaction funded on 1/XX/2000. The funding date could not be prior to 1/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 367 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | XO1PRZPO5XJ-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 367 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | XO1PRZPO5XJ-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 368 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | YN1DX22IVUH-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 368 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | YN1DX22IVUH-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 03/XX/2000 and transaction funded on 03/XX/2000. The funding date could not be prior to 03/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 368 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | YN1DX22IVUH-4M12HOPC | Appraisal not dated | \* Appraisal not dated (Lvl 2) |  |  |  |  |  |
| 368 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | YN1DX22IVUH-ALRISXDQ | ComplianceEase State Regulations Test Failed | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the discount fee test. (OH ST § 1343.011(B)) The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA. |  |  |  |  |
| 368 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | YN1DX22IVUH-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 369 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | DCORRFUVVZX-ALRISXDQ | ComplianceEase State Regulations Test Failed | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the discount fee test. (OH ST § 1343.011(B)). The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA. The Total Discount per the HUD-1 was $6,138.38, or 7.2499% of the loan amount. |  |  |  |  |
| 369 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | DCORRFUVVZX-KZ2XA0RY | Final TIL Date after actual transaction date | \* Final TIL Date after actual transaction date (Lvl 2) | The Note Date per the Note is 5/XX/2001. The TIL Date per the TIL is 5/XX/2001. |  |  |  |  |
| 369 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | DCORRFUVVZX-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) | Missing the 1008. |  |  |  |  |
| 369 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | DCORRFUVVZX-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The Final TIL was not signed by the borrower. |  |  |  |  |
| 370 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | FZXN5GK553U-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 6/XX/2000 and transaction funded on 6/XX/2000. The funding date could not be prior to 6/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 370 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | FZXN5GK553U-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) |  |  |  |  |  |
| 370 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | FZXN5GK553U-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 370 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | FZXN5GK553U-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 370 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | FZXN5GK553U-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 371 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | C5VKXGWSNOB-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 371 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | C5VKXGWSNOB-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 12/XX/1999 and transaction funded on 12/XX/1999. The funding date could not be prior to 12/XX/1999. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 371 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | C5VKXGWSNOB-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 371 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | C5VKXGWSNOB-ALRISXDQ | ComplianceEase State Regulations Test Failed | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the discount fee test. (OH ST § 1343.011(B)) The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA. |  |  |  |  |
| 371 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | C5VKXGWSNOB-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 372 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | O3W0TNVASBS-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 372 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | O3W0TNVASBS-ALRISXDQ | ComplianceEase State Regulations Test Failed | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the discount fee test. (OH ST § 1343.011(B)) The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA. |  |  |  |  |
| 372 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | O3W0TNVASBS-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | The TIL is missing. The APR of12% was utilized to complete the required tests. The ROR is missing from the file. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 372 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | O3W0TNVASBS-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The TIL is missing. The APR of 12% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 373 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | O3Y0RXTJT3N-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $92,763.27. The disclosed finance charge of $92,570.24 is not considered accurate because it is understated by more than $100. In addition, This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 10/XX/2000 and transaction funded on 10/XX/2000. The funding date could not be prior to 10/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 373 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | O3Y0RXTJT3N-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 373 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | O3Y0RXTJT3N-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 373 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | O3Y0RXTJT3N-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file. |  |  |  |  |
| 373 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | O3Y0RXTJT3N-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 373 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | O3Y0RXTJT3N-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 374 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | MIZRI55XADU-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) | The file is missing the appraisal. |  |  |  |  |
| 374 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | MIZRI55XADU-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The file is missing the prepayment penalty rider to the mortgage. |  |  |  |  |
| 375 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | EUEJI2ZTVD3-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 375 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | EUEJI2ZTVD3-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 375 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | EUEJI2ZTVD3-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 375 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | EUEJI2ZTVD3-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 375 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | EUEJI2ZTVD3-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $99,125.19. The disclosed finance charge of $98,930.06 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 376 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | JLA1S4WRWK0-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 376 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | JLA1S4WRWK0-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 376 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | JLA1S4WRWK0-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 11.169%. The disclosed APR of 13.301% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. |  |  |  |  |
| 376 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | JLA1S4WRWK0-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 02/XX/2000 and transaction funded on 02/XX/2000. The funding date could not be prior to 02/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 376 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | JLA1S4WRWK0-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The TIL is missing. The APR of 13.301% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 377 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | TR2JDPPXT2W-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 377 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | TR2JDPPXT2W-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 377 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TR2JDPPXT2W-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 8/XX/2000 and transaction funded on 8/XX/2000. The funding date could not be prior to 9/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 377 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TR2JDPPXT2W-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 377 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | TR2JDPPXT2W-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 377 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | TR2JDPPXT2W-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 377 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TR2JDPPXT2W-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 377 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | TR2JDPPXT2W-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 379 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | ERENMGYKLII-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 379 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | ERENMGYKLII-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2001 and transaction funded on 4/XX/2001. The funding date could not be prior to 4/XX/2001. The statute of limitation has expired; downgraded based on client's profile.<br>This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $377,547.43. The disclosed finance charge of $143,610.82 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 379 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | ERENMGYKLII-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3K2NRBTCBLX-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 2/XX/2001 and transaction funded on 2/XX/2001. The funding date could not be prior to 2/XX/2001. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3K2NRBTCBLX-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 3K2NRBTCBLX-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | 3K2NRBTCBLX-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | 3K2NRBTCBLX-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | 3K2NRBTCBLX-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3K2NRBTCBLX-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 381 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | MUFFJJDJPOP-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $80,378.12. The disclosed finance charge of $67,220.99 is not considered accurate because it is understated by more than $100. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 11.790%. The disclosed APR of 10.621% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data finance charge is $67,220.99 and the comparison data finance charge is $80,278.12 for a $13,057.13 variance. The loan data APR is 10.621% and the comparison data APR is 11.790% for a 1.169% variance. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 382 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3OXKWGJABY1-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 382 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 3OXKWGJABY1-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 383 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 1XKYCMBVERS-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | "This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 11/XX/2005 and transaction funded on 11/XX/2005. The funding date could not be prior to 12/XX/2005. The statute of limitation has expired; downgraded based on client's profile. " |  |  |  |  |
| 383 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 1XKYCMBVERS-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 383 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 1XKYCMBVERS-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $56,228.34. The disclosed finance charge of $48,751.15 is not considered accurate because it is understated by more than $100. In addition, the loan fails the TILA APR Test,This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 10.630%. The disclosed APR of 9.669% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.. . The statute of limitations has expired; downgraded based on client's profile. |  |  |  |  |
| 383 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 1XKYCMBVERS-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 383 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 1XKYCMBVERS-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 384 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TVPFOGCD3XB-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | Missing the Final Application at Closing. |  |  |  |  |
| 384 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | TVPFOGCD3XB-30MSQ0KQ | Not all borrowers signed TIL | \* Not all borrowers signed TIL (Lvl 2) | The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 384 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | TVPFOGCD3XB-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) | Missing the 1008. |  |  |  |  |
| 384 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | TVPFOGCD3XB-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $223,592.95. The disclosed finance charge of $171,704.49 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. In addition, the loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 9.440%. The disclosed APR of 8.023% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 384 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | TVPFOGCD3XB-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) | Missing the Appraisal. |  |  |  |  |
| 385 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KTGJLWPK2GO-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) |  |  |  |  |  |
| 385 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | KTGJLWPK2GO-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $48,810.09. The disclosed finance charge of $42,691.86 is not considered accurate because it is<br> understated by more than $100. This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is 48,810.09. The disclosed finance charge of $42,691.86 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 11.886%. The disclosed APR of 10.869% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 385 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | KTGJLWPK2GO-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 385 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KTGJLWPK2GO-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 385 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KTGJLWPK2GO-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 385 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | KTGJLWPK2GO-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 385 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KTGJLWPK2GO-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| 386 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | Y3YIIW13UTR-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $62,312.96. The disclosed finance charge of $51,899.76 is not considered accurate because it is understated by more than $100. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 11.490%. The disclosed APR of 10.311% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data finance charge is $51,899.76 and the comparison data finance charge is $62,212.96 for a $10,313.20 variance. The loan data APR is 10.311% and the comparison data APR is 11.490% for a 1.179% variance. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 387 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | UY0IASGSQCS-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | 1003 Application Missing. |  |  |  |  |
| 387 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | UY0IASGSQCS-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4))<br> The annual percentage rate (APR) is 14.104%. The disclosed APR of 16.849% is not considered accurate because it is more<br> than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. |  |  |  |  |
| 387 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | UY0IASGSQCS-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 04/XX/2000 and transaction funded on 04/XX/2000. The funding date could not be prior to 04/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 387 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | UY0IASGSQCS-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The TIL is missing. The APR of 16.849 was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 387 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | UY0IASGSQCS-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 388 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 4NRP2W403BM-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) | The file contains no evidence that the Right to Cancel was provided to the borrowers. Statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 388 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 4NRP2W403BM-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 10.916%. The disclosed APR of 13.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.The TIL is missing. The APR of 13.000% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 388 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 4NRP2W403BM-YY1C4RU7 | Final TIL Missing or Not Executed | \* Final TIL Missing or Not Executed (Lvl 2) | The TIL is missing. The APR of 13.000% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 388 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | 4NRP2W403BM-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 388 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 4NRP2W403BM-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 388 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 4NRP2W403BM-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 11/XX/2000 and transaction funded on 11/XX/2000. The funding date could not be prior to 5/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 388 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | 4NRP2W403BM-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 388 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 4NRP2W403BM-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 388 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 4NRP2W403BM-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 388 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | 4NRP2W403BM-W8O59YIL | Final 1003 is Missing | \* Final 1003 is Missing (Lvl 2) | The final 1003 is missing. |  |  |  |  |
| 388 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | 4NRP2W403BM-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 388 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 4NRP2W403BM-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 389 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | A5CJIFBQUAC-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The file is missing the prepayment penalty rider to the mortgage. |  |  |  |  |
| 390 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | CV1SE4LART5-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 390 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | CV1SE4LART5-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" and the "Notice to Home Loan Applicant" are missing from the loan file. |  |  |  |  |
| 391 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | QZA4PV5OS1P-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The file is missing the notice of servicing transfer. |  |  |  |  |
| 391 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | QZA4PV5OS1P-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The Adjustable Rate Mortgage Loan Program Disclosure is missing. |  |  |  |  |
| 391 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | QZA4PV5OS1P-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 392 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | SAHQKBCTZWR-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 392 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | SAHQKBCTZWR-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 392 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | SAHQKBCTZWR-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 392 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | SAHQKBCTZWR-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 392 | XX | XX | XX | XX | XX | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | SAHQKBCTZWR-GE97ZSY1 | Cred.Score disc. or Notice Home Ln Applcnt missing | \* Credit Score Disclosure and Notice to Home Loan Applicant is missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. |  |  |  |  |
| 393 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | HVJLYSCSU2B-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 3/XX/2002 and transaction funded on 3/XX/2002. The funding date could not be prior to 3/XX/2002. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 393 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | HVJLYSCSU2B-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 393 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | HVJLYSCSU2B-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" Notice and "Notice to the Home Loan Applicant" are missing from the loan file. |  |  |  |  |
| 394 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | KGJVZSKTASF-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 394 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | KGJVZSKTASF-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 394 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | KGJVZSKTASF-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 394 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | KGJVZSKTASF-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 395 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | K0SECY52WHM-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The file is missing the initial loan application. |  |  |  |  |
| 396 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | QZKLUYH31VM-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 396 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | QZKLUYH31VM-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 396 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | QZKLUYH31VM-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 396 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | QZKLUYH31VM-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. In addition the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 397 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 4X2XYB1UXM2-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 397 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | 4X2XYB1UXM2-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. In addition the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 397 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 4X2XYB1UXM2-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 397 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | 4X2XYB1UXM2-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 397 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 4X2XYB1UXM2-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 397 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 4X2XYB1UXM2-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) | The file contains no evidence that the Right to Cancel was provided to the borrowers'. Statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 397 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 4X2XYB1UXM2-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 398 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 5ZXWYXMZM2U-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 398 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 5ZXWYXMZM2U-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 398 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 5ZXWYXMZM2U-SCBT23TP | Good Faith Estimate missing or unexecuted | \* Good Faith Estimate missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 399 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | IPPQY10HQRR-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Risk Based Pricing" Notice and "Notice to the Home Loan Applicant" are missing from the loan file. |  |  |  |  |
| 399 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | IPPQY10HQRR-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 399 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | IPPQY10HQRR-ZSOV6EYX | Not all borrowers signed HUD | \* Not all borrowers signed HUD (Lvl 2) |  |  |  |  |  |
| 400 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | XZJW54EMYID-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 402 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | A5MXRARKFRQ-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 402 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | A5MXRARKFRQ-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 402 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | A5MXRARKFRQ-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 402 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | A5MXRARKFRQ-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 402 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | A5MXRARKFRQ-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 402 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | A5MXRARKFRQ-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 403 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | PSSIP5QE42P-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $519,018.12. The disclosed finance charge of $506,081.90 is not considered accurate because it is understated by more than $100, whichever is greater. The finance charge was understated by $12,836.22. In addition, the loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)). This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)). The annual percentage rate (APR) is 8.587%. The disclosed APR of 8.266% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The following fees were included in the calculation: Document Preparation Fee paid by Borrower: $95.00, Interest paid by Borrower: $682.72, Processing Fee paid by Borrower: $450.00, Settlement / Closing / Escrow Fee paid by Borrower: $397.00, Tax Related Service Fee paid by Borrower: $65.00, Title Courier Fee paid by Borrower: $42.00 The APR difference is 0.321% which is outside the allowable tolerance by 0.125%. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 403 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | PSSIP5QE42P-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 403 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | PSSIP5QE42P-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. In addition the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 404 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | EFSNBSG0YAB-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The Adjustable Rate Mortgage Loan Program Disclosure is missing. |  |  |  |  |
| 404 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | EFSNBSG0YAB-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $559,199.66. The disclosed finance charge of $555,160.44 is not considered accurate because it is understated by more than $100. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 405 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | P0UAY2FXFUH-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $330,287.04. The disclosed finance charge of $329,481.80 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 406 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | S4LDP40GNI3-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 406 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | S4LDP40GNI3-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 406 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | S4LDP40GNI3-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $380,195.18. The disclosed finance charge of $379,940.44 is not considered accurate because it is understated by more than $100. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 408 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | EE2LR3C0BGD-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 408 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | EE2LR3C0BGD-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 408 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | EE2LR3C0BGD-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 409 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | BXNWSYE5QIU-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 409 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | BXNWSYE5QIU-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 410 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | GBS15HHFDEQ-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 411 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | C4MYBF1CBE2-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 411 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | C4MYBF1CBE2-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 411 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | C4MYBF1CBE2-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 411 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | C4MYBF1CBE2-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 412 | XX | XX | XX | XX | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | Y1JQJWWK41F-212UC3YR | Missing Appraisal | \* Missing Appraisal (Lvl 2) |  |  |  |  |  |
| 412 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | Y1JQJWWK41F-ZSOV6EYX | Not all borrowers signed HUD | \* Not all borrowers signed HUD (Lvl 2) | The loan file did not contain a final HUD; however, the preliminary HUD was used for testing. |  |  |  |  |
| 412 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | Y1JQJWWK41F-5MTB1GU3 | Only Estimated HUD in file | \* Only Estimated HUD in file (Lvl 2) | The loan file did not contain a final HUD; however, the preliminary HUD was used for testing. |  |  |  |  |
| 412 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | Y1JQJWWK41F-375LBFOS | ROR Transaction date not consistent with Note and/ | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) |  |  |  |  |  |
| 413 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | SEDVDVCZGGB-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The prepayment rider is missing from the file. |  |  |  |  |
| 413 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | SEDVDVCZGGB-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. |  |  |  |  |
| 413 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | SEDVDVCZGGB-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The notice of servicing transfer is missing from the file. |  |  |  |  |
| 414 | XX | XX | XX | XX | XX | Credit | Doc Issue | Resolved | Resolved | 1IGGCORAWCL-7CA29VFR | Init. Escrow Acct Disc missing; loan has escrows | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl R) |  |  |  |  |  |
| 414 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 1IGGCORAWCL-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 414 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 1IGGCORAWCL-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) | The file contains no evidence that the Right to Cancel was provided to the borrower/co-borrower. Statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 414 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 1IGGCORAWCL-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 414 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 1IGGCORAWCL-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 415 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 3D4HTVSLVT5-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 416 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | SOZK3AODWW2-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | "This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 5/XX/1999 and transaction funded on 5/XX/1999. The funding date could not be prior to 5/XX/1999. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 416 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | SOZK3AODWW2-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) | The file contains no evidence that the Right to Cancel was provided to the borrower. Statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 416 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | SOZK3AODWW2-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 416 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | SOZK3AODWW2-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 416 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | SOZK3AODWW2-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The Security Instrument is missing the following: Prepayment Rider. |  |  |  |  |
| 416 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | SOZK3AODWW2-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 416 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | SOZK3AODWW2-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 417 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | MXARHEPOZ3H-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) | The 1008 is missing. |  |  |  |  |
| 418 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 1ZVFYI1BNYE-SQBKTREO | Condo / PUD rider Missing | \* Condo / PUD rider Missing (Lvl 2) | The Security Instrument is missing the following: Condo Rider. |  |  |  |  |
| 418 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 1ZVFYI1BNYE-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 418 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 1ZVFYI1BNYE-9ZZ18NGR | Balloon Rider Missing | \* Balloon Rider Missing (Lvl 2) |  |  |  |  |  |
| 418 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 1ZVFYI1BNYE-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. Unable to determine if early disclosures were provided within 3-business days of application date. |  |  |  |  |
| 418 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | 1ZVFYI1BNYE-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) ,<br> transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 420 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | DOP4KPSL5ZA-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The Security Instrument is missing the following: Prepayment Rider. |  |  |  |  |
| 420 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | DOP4KPSL5ZA-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 422 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | GJVQSSSBBJJ-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 423 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | BSMUUOZRECW-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 423 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | BSMUUOZRECW-9ZZ18NGR | Balloon Rider Missing | \* Balloon Rider Missing (Lvl 2) | The Security Instrument is missing the following: Balloon Rider. |  |  |  |  |
| 423 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | BSMUUOZRECW-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. In addition to the "Risk Based Pricing" Notice is missing from the loan. |  |  |  |  |
| 423 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | BSMUUOZRECW-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 424 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | X4CWNMFNJMY-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 424 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | X4CWNMFNJMY-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The Adjustable Rate Mortgage Loan Program Disclosure is missing. |  |  |  |  |
| 424 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | X4CWNMFNJMY-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 424 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | X4CWNMFNJMY-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) | The Security Instrument is missing the following: Pre-payment Rider. |  |  |  |  |
| 425 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | PLJDJQAD043-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 425 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PLJDJQAD043-SCBT23TP | Good Faith Estimate missing or unexecuted | \* Good Faith Estimate missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 425 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PLJDJQAD043-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 425 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | PLJDJQAD043-375LBFOS | ROR Transaction date not consistent with Note and/ | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) |  |  |  |  |  |
| 425 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | PLJDJQAD043-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" and "Risk Based Pricing" Notices are missing from the loan file. |  |  |  |  |
| 427 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | QBSGQPKD3FZ-606CIBAW | Disclosure | \* Missing initial TIL disclosure (Lvl 2) | The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |  |  |
| 428 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | W2KCWUIEPWE-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 428 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | W2KCWUIEPWE-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 6/XX/2000 and transaction funded on 6/XX/2000. The funding date could not be prior to 6/XX/2000. The statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 428 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | W2KCWUIEPWE-OPN6CQBU | Application Missing | \* Application Missing (Lvl 2) | The initial 1003 is missing. |  |  |  |  |
| 428 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | W2KCWUIEPWE-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 428 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | W2KCWUIEPWE-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 429 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | SQ55FA13LHU-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $122,543.45. The disclosed finance charge of $122,393.45 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 429 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | SQ55FA13LHU-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| Dropped | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | GWFHH3L0OY3-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) | 1008 is missing |  |  |  |  |
| 430 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WAFB33DS5WB-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |
| 430 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WAFB33DS5WB-UMCXIDRC | Missing Title evidence | \* Missing Title evidence (Lvl 2) |  |  |  |  |  |
| 430 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WAFB33DS5WB-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 430 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WAFB33DS5WB-U1LRMV3I | Missing credit report | \* Missing credit report (Lvl 2) |  |  |  |  |  |
| 430 | XX | XX | XX | XX | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | WAFB33DS5WB-OHRJB5B0 | ComplianceEase TILA Test Failed | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $320,664.08. The disclosed finance charge of $320,207.77 is not considered accurate because it is understated by more than $100. The variance is $356.31. The statute of limitations has expired; downgraded based on Client Compliance Profile. |  |  |  |  |
| 430 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | WAFB33DS5WB-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 430 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | WAFB33DS5WB-6FDJFKOP | Right of Rescission missing or unexecuted | \* Right of Rescission missing or unexecuted (Lvl 2) | The file contains no evidence that the Right to Cancel was provided to the borrower/co-borrower. Statute of limitation has expired; downgraded based on client's profile. |  |  |  |  |
| 431 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | XOAB41LERSN-CRMIJMUN | Prepayment Rider Missing | \* Prepayment Rider Missing (Lvl 2) |  |  |  |  |  |
| 431 | XX | XX | XX | XX | XX | Credit | Credit | Active | 2: Acceptable with Warnings | XOAB41LERSN-JGFWQHHY | Credit Score and Disc Notice to Home Loan Missing | \* Credit Score Disclosure and Notice to home loan applicant is Missing (Lvl 2) | The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file. |  |  |  |  |
| 431 | XX | XX | XX | XX | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | XOAB41LERSN-9RXK6TPY | Rate Lock Date (Information) | \* Rate Lock Date (Information) (Lvl 2) | The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |  |  |
| 431 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | XOAB41LERSN-8R4R1817 | Credit score not provided | \* Credit score not provided (Lvl 2) |  |  |  |  |  |
| 431 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | XOAB41LERSN-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) |  |  |  |  |  |
| 432 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 2GV4JPBBNRX-IYAZB5ZX | Loan program disclosure missing or unexecuted | \* Loan program disclosure missing or unexecuted (Lvl 2) | The initial ARM Program Disclosure is missing. |  |  |  |  |
| 432 | XX | XX | XX | XX | XX | Credit | Underwriting | Active | 2: Acceptable with Warnings | 2GV4JPBBNRX-E510UMK1 | Transmittal (1008) is Missing | \* Transmittal (1008) is Missing (Lvl 2) | The 1008 is missing. |  |  |  |  |
| 433 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 41OIJUCC1CH-9ZZ18NGR | Balloon Rider Missing | \* Balloon Rider Missing (Lvl 2) | The Security Instrument is missing the following: Balloon Rider |  |  |  |  |
| 433 | XX | XX | XX | XX | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | 41OIJUCC1CH-IZYSM7OP | Notice of Servicing Transfer missing or unexecuted | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) |  |  |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Grading** |  |  |  |  |  |  |  |  |
| **Run Date - 1/20/2025** |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing id | **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **SBO** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 93 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 294 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 291 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 281 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 227 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 380 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 152 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 271 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 318 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 23 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 176 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 414 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 434 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 383 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 418 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 330 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 354 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 237 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 432 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 289 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 338 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 34 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 258 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 122 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 415 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 312 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 382 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 62 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 358 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 90 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 433 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 73 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 293 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 388 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 302 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 18 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 397 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 359 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 303 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 236 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 337 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 147 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 398 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 327 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 389 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 402 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 296 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 353 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 68 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 336 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 146 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 350 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 305 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 423 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 13 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 409 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 226 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 343 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 411 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 371 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 162 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 426 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 244 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 390 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 329 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 280 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 369 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 292 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 420 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 313 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 408 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 404 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 379 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 188 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 375 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 356 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 334 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 370 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 314 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 301 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 410 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 422 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 378 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 311 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 101 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 80 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 346 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 401 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 315 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 393 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 407 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 265 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 399 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 362 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 376 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 212 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 340 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 395 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 419 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 324 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 394 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 306 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 385 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 200 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 297 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 322 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 129 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 119 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 286 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 352 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 121 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 374 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 320 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 288 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 381 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 417 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 123 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 290 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 59 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 308 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 364 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 287 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 339 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 332 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 372 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 373 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 197 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 405 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 274 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 421 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 341 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 361 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 425 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 253 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 307 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 403 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 144 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 83 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 79 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 284 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 427 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 348 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 321 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 391 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 396 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 316 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 323 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 333 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 355 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 406 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 392 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 413 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 328 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 416 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 429 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 345 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 349 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 94 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 295 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 347 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 20 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 377 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 384 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 269 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 272 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 387 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 363 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 342 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 239 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 331 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 428 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 430 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 220 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 234 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 335 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 360 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 309 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 366 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 424 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 325 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 310 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 367 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 431 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 357 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 21 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 400 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 412 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 386 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 344 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 365 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 368 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 351 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 31 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 319 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| Dropped | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 326 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 317 | XX | XX | XX | XX | XX | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| |
|:---|
| **Loan Level Exceptions** |
| **Run Date - 1/20/2025** |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing id | **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **SBO Id** | **Project Name** | **Detailed Status** | **Initial Overall Grade** | **Final Overall Grade** | **Initial Credit** | **Initial Value** | **Initial Compliance** | **Final Credit** | **Final Value** | **Final Compliance** | **Non-Material Exceptions** | **Resolved Exceptions** | **Acknowledged Exceptions** |
| 281 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The loan file is missing the initial application.<br>\*\*\* (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| 227 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| 380 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 152 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 271 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the initial TIL disclosure date test due to the following: (12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009) the application date of the loan is before July XX, 2009, and The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and<br> The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. This calculations takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(a)(1)(i) (early disclosures three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on Saturday As not being open on Sunday PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 2<br> COMMENT: The loan file did not contain the CHARM Booklet and loan was ARM.<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br> COMMENT: The loan file did not contain the initial loan program disclosure dated 6/XX/2006; loan was ARM with PPP.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br> COMMENT: The loan file did not contain the initial notice of servicing transfer dated 6/XX/2006.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The note reflects a prepayment penalty, however, the loan file is missing the prepayment penalty rider to the mortgage.<br>\*\*\* (OPEN) Special information booklet is Missing - EV 2<br> COMMENT: The loan file is missing the Buying Your Home: Settlement Costs and Helpful Information booklet for purchases. |  |  |
| 318 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: All 1003 are missing.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 23 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 1 | 2 | 1 | 1 | 2 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 2<br> COMMENT: The file is missing the appraisal. |  |  |
| 176 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 414 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br> COMMENT: The file contains no evidence that the Right to Cancel was provided to the borrower/co-borrower. Statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 | \*\*\* (CURED) Initial Escrow Acct Disclosure missing; loan has escrows - EV R |  |
| 434 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 383 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $56,228.34. The disclosed finance charge of $48,751.15 is not considered accurate because it is understated by more than $100. In addition, the loan fails the TILA APR Test,This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 10.630%. The disclosed APR of 9.669% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.. . The statute of limitations has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: "This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 11/XX/2005 and transaction funded on 11/XX/2005. The funding date could not be prior to 12/XX/2005. The statute of limitation has expired; downgraded based on client's profile. "<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 418 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing. Unable to determine if early disclosures were provided within 3-business days of application date.<br>\*\*\* (OPEN) Balloon Rider Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) ,<br> transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Condo / PUD rider Missing - EV 2<br> COMMENT: The Security Instrument is missing the following: Condo Rider.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application on/after 2010 and Service Provider List is Missing - EV 2<br> COMMENT: The Service Provider List is missing.<br>\*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: This loan failed the HOEPA higher-priced mortgage loan test. (12 CFR §1026.35(a)(1) , transferred from 12 CFR §226.35(a)(1) as enacted in 2008) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the HOEPA higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher priced mortgage loans even if the additional conditions are met. The loan is higher-priced and it meets requirements.<br>\*\*\* (OPEN) Initial Good Faith Estimate is Missing - EV 2<br>\*\*\* (OPEN) Initial Truth in Lending Disclosure is Missing - EV 2<br> COMMENT: The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 330 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: Missing the Initial Application and the Final Application.<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The TIL is missing. The APR of 10.521% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br> COMMENT: The ARM Loan Program Disclosure is missing.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br> COMMENT: The Appraisal is missing.<br>\*\*\* (OPEN) Missing credit report - EV 2<br> COMMENT: The Credit Report is missing.<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br> COMMENT: The file contains no evidence that the Right to Cancel was provided to the borrower(s). Statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 6/XX/2002 and transaction funded on 6/XX/2002. The funding date could not be prior to 6/XX/2002. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2<br> COMMENT: The 1008 is missing. |  |  |
| 93 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2<br> COMMENT: The loan file is missing the loan modification.<br>\*\*\* (OPEN) Missing Doc - EV 2<br> COMMENT: The loan file is missing the 2nd lien note for $XX per the loan approval on page 297. |  |  |
| 354 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 237 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 2<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Good Faith Estimate missing or unexecuted - EV 2<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br> COMMENT: The loan file is missing the Interest First ARM Disclosure.<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 432 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br> COMMENT: The initial ARM Program Disclosure is missing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2<br> COMMENT: The 1008 is missing. |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| 289 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| 338 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: 1003 Application missing.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 02/XX/2001 and transaction funded on 02/XX/2001. The funding date could not be prior to 02/XX/2001. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 34 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 2<br> COMMENT: The loan file did not contain the CHARM Booklet and loan was ARM.<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Good Faith Estimate missing or unexecuted - EV 2<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br> COMMENT: The loan file did not contain the loan program disclosure; loan was ARM with PPP.<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 258 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Balloon Rider Missing - EV 2<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| 122 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br> COMMENT: The loan is missing the initial and final notice of servicing transfer.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 415 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: The ROR is missing. This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) ,<br> transferred from 12 CFR §226.15(a)(3))<br>\*\*\* (OPEN) Good Faith Estimate missing or unexecuted - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Higher-Priced Mortgage Loan - EV 2<br> COMMENT: The loan is QM higher-priced. The statue of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 2/XX/2001 and transaction funded on 2/XX/2001. The funding date could not be prior to 2/XX/2001. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 312 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $63,140.51. The disclosed finance charge of $53,846.79 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. This loan failed the TILA APR test. (12 CFR §1026.22(a)(), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 9.693%. The disclosed APR of 8.707% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitations has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit report >90 days old at closing - EV 2<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing Appraisal - EV 2 |  |  |
| 382 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 62 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 2/XX/2000 and transaction funded on 2/XX/2000. The funding date could not be prior to 2/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The loan file did not contain the final TIL; however, the estimated/preliminary TIL was used for the points and fees test. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 358 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 1/XX/2001 and transaction funded on 1/XX/2001. The funding date could not be prior to 1/XX/2001. The statute of limitation has expired; downgraded based on client's profile. |  |  |
| 90 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Good Faith Estimate missing or unexecuted - EV 2<br>\*\*\* (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 2<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 433 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Balloon Rider Missing - EV 2<br> COMMENT: The Security Instrument is missing the following: Balloon Rider<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| 73 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $61,873.92. The disclosed finance charge of $51,932.00 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. In addition the loan failed the TILA APR Test: This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 8.592%. The disclosed APR of 7.576% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 8/XX/2005 and transaction funded on 8/XX/2005. The funding date could not be prior to 8/XX/2005. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br>\*\*\* (OPEN) Property is Manufactured Housing - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 294 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end Open-end The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Required Affiliated Business Disclosure missing/unexecuted - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 | \*\*\* (CURED) ComplianceEase Risk Indicator is "Moderate" - EV R<br> COMMENT: To be resolved. |  |
| 293 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 388 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 10.916%. The disclosed APR of 13.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.The TIL is missing. The APR of 13.000% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The TIL is missing. The APR of 13.000% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br> COMMENT: The file contains no evidence that the Right to Cancel was provided to the borrowers. Statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 11/XX/2000 and transaction funded on 11/XX/2000. The funding date could not be prior to 5/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 302 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 18 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing required 1-4 family rider - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 397 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. In addition the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br> COMMENT: The file contains no evidence that the Right to Cancel was provided to the borrowers'. Statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 359 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: Missing the Final Application at Closing.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The Final TIL was not signed by the borrowers.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2<br> COMMENT: The 1008 is missing. |  |  |
| 303 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Balloon Rider Missing - EV 2<br>\*\*\* (OPEN) Credit score not provided - EV 2<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Mortgage missing / unexecuted - EV 2 |  |  |
| 236 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| 337 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 11/XX/2000 and transaction funded on 11/XX/2000. The funding date could not be prior to 11/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice and missing from the loan file.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 147 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) Good Faith Estimate missing or unexecuted - EV 2<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 398 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Good Faith Estimate missing or unexecuted - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 327 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 389 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The file is missing the prepayment penalty rider to the mortgage. |  |  |
| 402 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 296 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2 |  |  |
| 353 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial application is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 12.212%. The disclosed APR of 14.223% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The TIL is missing. The APR of 14.223% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 8/XX/2001 and transaction funded on 8/XX/2001. The funding date could not be prior to 8/XX/2001. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| 68 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2 |  |  |
| 336 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $217,893.25. The disclosed finance charge of $165,621.51 is not considered accurate because it is understated by more than $100. In addition, this loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 7.474%. The disclosed APR of 6.156% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The following fees are included in the calculation: Loan Origination Fee ($11,715.00). The statute of limitations has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" and the "Notice to Home Loan Applicant" Notice are missing from the loan file.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred on 3/XX/2005 and transaction funded on 3/XX/2005. The funding date could not be prior to 3/XX/2005. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 146 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1)) The finance charge is $409,443.97. The disclosed finance charge of $409,329.15 is not considered accurate because it is understated by more than $100. The loan data reflects $409,329.15 whereas the max allowed is $409,443.97 resulting in an under disclosed amount of $114.82. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 350 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Good Faith Estimate missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 305 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial loan application is missing from the file.<br>\*\*\* (OPEN) Final Application is missing - EV 2<br> COMMENT: The final loan application is missing from the file. |  |  |
| 423 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Balloon Rider Missing - EV 2<br> COMMENT: The Security Instrument is missing the following: Balloon Rider.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. In addition to the "Risk Based Pricing" Notice is missing from the loan.<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| 13 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 409 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 226 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| 343 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 2/XX/2002 and transaction funded on 2/XX/2002. The funding date could not be prior to 2/XX/2002. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing. |  |  |
| 411 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 371 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase State Regulations Test Failed - EV 2<br> COMMENT: This loan failed the discount fee test. (OH ST § 1343.011(B)) The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 12/XX/1999 and transaction funded on 12/XX/1999. The funding date could not be prior to 12/XX/1999. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 162 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Good Faith Estimate missing or unexecuted - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 426 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2 |  |  |
| 244 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2 |  |  |
| 390 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" and the "Notice to Home Loan Applicant" are missing from the loan file.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 329 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing. |  |  |
| 280 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase RESPA Test Incomplete - EV 2<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2 |  |  |
| 369 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase State Regulations Test Failed - EV 2<br> COMMENT: This loan failed the discount fee test. (OH ST § 1343.011(B)). The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA. The Total Discount per the HUD-1 was $6,138.38, or 7.2499% of the loan amount.<br>\*\*\* (OPEN) Final TIL Date after actual transaction date - EV 2<br> COMMENT: The Note Date per the Note is 5/XX/2001. The TIL Date per the TIL is 5/XX/2001.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The Final TIL was not signed by the borrower.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2<br> COMMENT: Missing the 1008. |  |  |
| 292 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing. Unable to determine if early disclosures were provided within 3-business days of application date.<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The file is missing the prepayment rider to the mortgage. |  |  |
| 420 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The Security Instrument is missing the following: Prepayment Rider.<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) 1003 Application [information not provide] - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Mortgage missing / unexecuted - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $52,952.30. The disclosed finance charge of $39,000.00 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2 |  |  |
| 313 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) ,<br> transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Funding/Disbursement Date is missing from the file. |  |  |
| 408 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 404 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $559,199.66. The disclosed finance charge of $555,160.44 is not considered accurate because it is understated by more than $100. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br> COMMENT: The Adjustable Rate Mortgage Loan Program Disclosure is missing. |  |  |
| 379 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2001 and transaction funded on 4/XX/2001. The funding date could not be prior to 4/XX/2001. The statute of limitation has expired; downgraded based on client's profile.<br>This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $377,547.43. The disclosed finance charge of $143,610.82 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing. |  |  |
| 188 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br> COMMENT: The loan file did contain the loan program disclosure was an ARM loan with PPP<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br> COMMENT: The loan file did not contain the Notice of Servicing Transfer Dislcosure<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2 |  |  |
| 375 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $99,125.19. The disclosed finance charge of $98,930.06 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 356 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 334 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 7/XX/2000 and transaction funded on 8/XX/2000. The funding date could not be prior to 8/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing. |  |  |
| 370 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 6/XX/2000 and transaction funded on 6/XX/2000. The funding date could not be prior to 6/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2 |  |  |
| 314 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: All 1003 Application Missing.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 09/XX/2007 and transaction funded on 09/XX/2007. The funding date could not be prior to 09/XX/2007. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 301 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  | \*\*\* (CURED) ComplianceEase Exceptions Test Incomplete - EV R<br>\*\*\* (CURED) ComplianceEase RESPA Test Incomplete - EV R<br>\*\*\* (CURED) ComplianceEase State Regulations Test Incomplete - EV R<br>\*\*\* (CURED) Loan program disclosure missing or unexecuted - EV R<br>\*\*\* (CURED) Notice of Servicing Transfer missing or unexecuted - EV R<br>\*\*\* (CURED) Required Affiliated Business Disclosure missing/unexecuted - EV R<br>\*\*\* (CURED) Right of Rescission missing or unexecuted - EV R |  |
| 410 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 422 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 378 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 311 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $109,643.81. The disclosed finance charge of $101,219.60 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater.<br> The statute of limitation has expired; downgraded based on client's profile. <br> Additionally,<br> This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $109,643.81. The disclosed finance charge of $101,219.60 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 101 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |  |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Transmittal (1008) is Missing - EV 2<br> COMMENT: 1008 is missing |  |  |
| 80 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The file is missing the initial loan application.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The TIL is missing. The APR of 4.5% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br> COMMENT: The file is missing the appraisal.<br>\*\*\* (OPEN) Missing credit report - EV 2<br> COMMENT: The file is missing the credit report.<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br> COMMENT: The file is missing the title report.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br> COMMENT: The file is missing the notice of servicing transfer.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The file is missing the prepayment rider to the mortgage.<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br> COMMENT: The file contains no evidence that the Right to Cancel was provided to the borrower. Statute of limitation has expired; downgraded based on client's profile. |  |  |
| 346 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing. |  |  |
| 401 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 315 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 393 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 3/XX/2002 and transaction funded on 3/XX/2002. The funding date could not be prior to 3/XX/2002. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice and "Notice to the Home Loan Applicant" are missing from the loan file.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 407 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 265 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1)) The finance charge is $325,126.37. The disclosed finance charge of $315,510.47 is not considered accurate because it is understated by more than $100. This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $325,126.37. The disclosed finance charge of $315,510.47 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 8.528%. The disclosed APR of 7.990% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |
| 399 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice and "Notice to the Home Loan Applicant" are missing from the loan file.<br>\*\*\* (OPEN) Not all borrowers signed HUD - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2 |  |  |
| 362 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 2<br> COMMENT: The file is missing the appraisal.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The file is missing the prepayment penalty rider to the mortgage. |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 376 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 11.169%. The disclosed APR of 13.301% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The TIL is missing. The APR of 13.301% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 02/XX/2000 and transaction funded on 02/XX/2000. The funding date could not be prior to 02/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 212 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br> COMMENT: The loan file did contain the loan program disclosure was an ARM with PPP<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2 |  |  |
| 340 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) ComplianceEase State Regulations Test Failed - EV 2<br> COMMENT: This loan failed the bona fide discount points test due to one of the following findings: (NC §24-1.1A (c)(1)(b)) The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate,<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrowers'. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 395 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The file is missing the initial loan application. |  |  |
| 419 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 324 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 10/XX/2008 and transaction funded on 10/XX/2008. The funding date could not be prior to 10/XX/2008. The statute of limitation has expired; downgraded based on client's profile. "<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 394 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |
| 306 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 385 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $48,810.09. The disclosed finance charge of $42,691.86 is not considered accurate because it is<br> understated by more than $100. This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is 48,810.09. The disclosed finance charge of $42,691.86 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 11.886%. The disclosed APR of 10.869% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 200 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| 297 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The Security Instrument is missing the following: Pre-payment Rider.<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br> COMMENT: The file contains no evidence that the Right to Cancel was provided to the borrowers. Statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 322 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Credit score not provided - EV 2<br> COMMENT: There was no Credit Score provided for Borrower #2.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2<br> COMMENT: The 1008 is missing. |  |  |
| 129 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Good Faith Estimate missing or unexecuted - EV 2<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| 119 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 286 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase RESPA Test Incomplete - EV 2<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 352 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The loan file did not contain the final TIL; however, the estimated/preliminary TIL was used for the points and fees test. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 3/XX/2001 and transaction funded on 3/XX/2001. The funding date could not be prior to 3/XX/2001. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 121 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |
| 374 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 2<br> COMMENT: The file is missing the appraisal.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The file is missing the prepayment penalty rider to the mortgage. |  |  |
| 320 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 2<br> COMMENT: The Initial Escrow Account Statement is missing from the loan file. The defect can be cured by providing the IEAD. Per (§ 3500.17(g)) the servicer must submit an initial escrow account statement to the borrower at settlement or within forty-five calendar days of settlement for escrow accounts that are established as a condition of the loan.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 288 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The Security Instrument is missing the following: Prepayment Rider.<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 381 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $80,378.12. The disclosed finance charge of $67,220.99 is not considered accurate because it is understated by more than $100. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 11.790%. The disclosed APR of 10.621% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data finance charge is $67,220.99 and the comparison data finance charge is $80,278.12 for a $13,057.13 variance. The loan data APR is 10.621% and the comparison data APR is 11.790% for a 1.169% variance. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |
| 417 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Transmittal (1008) is Missing - EV 2<br> COMMENT: The 1008 is missing. |  |  |
| 123 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The file is missing the Initial Loan Application.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice is missing from the loan file. The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br> COMMENT: The Adjustable Rate Mortgage Loan Program Disclosure is missing.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br> COMMENT: The file is missing the Appraisal.<br>\*\*\* (OPEN) Missing credit report - EV 2<br> COMMENT: The file is missing the Credit Report.<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br> COMMENT: The file is missing the Title Report.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br> COMMENT: The file is missing the Notice of Servicing Transfer.<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br> COMMENT: The file contains no evidence that the Right to Cancel was provided to the borrower/co-borrower. Statute of limitation has expired; downgraded based on client's profile. |  |  |
| 290 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2 |  |  |
| 59 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: "Risk Based Pricing" Notice missing.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2001 and transaction funded on 4/XX/2001. The funding date could not be prior to 4/XX/2001. The statute of limitation has expired; downgraded based on client's profile. |  |  |
| 308 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The Final Application is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $156,653.22. The disclosed finance charge of $111,412.67 is not considered accurate because it is understated by more than $100. The contract rate per the Note is 12.340%. The APR on the TIL is 10.221%. The Note contains an Agreed Rate Reduction clause that states the rate will be reduced 0.40% up to 10 times for each year 12 payments are made in a timely fashion. The APR is based on the assumption that all of these payments will be made timely.<br> This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)). The finance charge is $156,653.22. The disclosed finance charge of $111,412.67 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The contract rate per the Note is 12.340%. The APR on the TIL is 10.221%. The Note contains an Agreed Rate Reduction clause that states the rate will be reduced 0.40% up to 10 times for each year 12 payments are made in a timely fashion. The APR is based on the assumption that all of these payments will be made timely.<br> This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)). The annual percentage rate (APR) is 12.340%. The disclosed APR of 10.221% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The contract rate per the Note is 12.340%. The APR on the TIL is 10.221%. The Note contains an Agreed Rate Reduction clause that states the rate will be reduced 0.40% up to 10 times for each year 12 payments are made in a timely fashion. The APR is based on the assumption that all of these payments will be made timely.<br> This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Disbursement/Funding date is missing from the file.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2<br> COMMENT: The 1008 is missing. |  |  |
| 364 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 11/XX/2000 and transaction funded on 11/XX/2000. The funding date could not be prior to 11/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 287 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit score not provided - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 339 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The Final Application at Closing is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $136,216.03. The disclosed finance charge of $136,096.26 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The Final TIL is not signed by the borrower.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 5/XX/2000 and transaction funded on 5/XX/2000. The funding date could not be prior to 5/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2<br> COMMENT: The 1008 is missing. |  |  |
| 332 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $288,717.64. The disclosed finance charge of $212,629.15 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The finance charge is understated by $75,343.01. In addition, the loan fails the TILA APR Test. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 9.524%. The disclosed APR of 7.942% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The following fees are included in the calculation: $75,988.49. The statute of limitations has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice and "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Credit score not provided - EV 2<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 372 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase State Regulations Test Failed - EV 2<br> COMMENT: This loan failed the discount fee test. (OH ST § 1343.011(B)) The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: The TIL is missing. The APR of12% was utilized to complete the required tests. The ROR is missing from the file. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The TIL is missing. The APR of 12% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |
| 373 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $92,763.27. The disclosed finance charge of $92,570.24 is not considered accurate because it is understated by more than $100. In addition, This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 10/XX/2000 and transaction funded on 10/XX/2000. The funding date could not be prior to 10/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 197 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Prepayment Rider Missing - EV 2 |  |  |
| 405 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $330,287.04. The disclosed finance charge of $329,481.80 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The statute of limitation has expired; downgraded based on client's profile. |  |  |
| 274 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 421 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 341 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: 1003 Application missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 12.941%. The disclosed APR of 14.890% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitations has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The TIL is missing. The APR of 14.890 was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 2/XX/2001 and transaction funded on 2/XX/2001. The funding date could not be prior to 2/XX/2001. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 361 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $158,120.13. The disclosed finance charge of $156,364.79 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |
| 425 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" Notices are missing from the loan file.<br>\*\*\* (OPEN) Good Faith Estimate missing or unexecuted - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) ROR Transaction date not consistent with Note and/or HUD - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 253 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 307 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The Final application is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $124,587.64. The disclosed finance charge of $96,093.17 is not considered accurate because it is understated by more than $100. The Contract rate per the Note is 11.780%, but the listed APR is 10.185%. The loan has an Agreed Rate Reduction clause stating that the rate will decrease 0.30% each year up to 10 times if 12 consecutive payments are made timely. This reduction as shown on the TIL is based on the assumption that those payments will be made on-time.This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)). The finance charge is $124,587.64. The disclosed finance charge of $96,093.17 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The Contract rate per the Note is 11.780%, but the listed APR is 10.185%. The loan has an Agreed Rate Reduction clause stating that the rate will decrease 0.30% each year up to 10 times if 12 consecutive payments are made timely. This reduction as shown on the TIL is based on the assumption that those payments will be made on-time. <br> This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)). The annual percentage rate (APR) is 11.783%. The disclosed APR of 10.185% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The Contract rate per the Note is 11.780%, but the listed APR is 10.185%. The loan has an Agreed Rate Reduction clause stating that the rate will decrease 0.30% each year up to 10 times if 12 consecutive payments are made timely. This reduction as shown on the TIL is based on the assumption that those payments will be made on-time.<br> This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Disbursement/Funding Date is missing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2<br> COMMENT: The 1008 is missing. |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2 |  |  |
| 403 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $519,018.12. The disclosed finance charge of $506,081.90 is not considered accurate because it is understated by more than $100, whichever is greater. The finance charge was understated by $12,836.22. In addition, the loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)). This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)). The annual percentage rate (APR) is 8.587%. The disclosed APR of 8.266% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The following fees were included in the calculation: Document Preparation Fee paid by Borrower: $95.00, Interest paid by Borrower: $682.72, Processing Fee paid by Borrower: $450.00, Settlement / Closing / Escrow Fee paid by Borrower: $397.00, Tax Related Service Fee paid by Borrower: $65.00, Title Courier Fee paid by Borrower: $42.00 The APR difference is 0.321% which is outside the allowable tolerance by 0.125%. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. In addition the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |
| 144 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 83 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: The TIL is missing. The APR of 14.900% was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The TIL is missing. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br> COMMENT: The Title Policy is missing.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The Security Instrument is missing the following: Pre-payment Rider.<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 79 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br> COMMENT: The file contains no evidence that the Right to Cancel was provided to the borrower. Statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 6/XX/1994 and transaction funded on 6/XX/1994. The funding date could not be prior to 7/XX/1994. The statute of limitation has expired; downgraded based on client's profile. "<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 284 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2 |  |  |
| 427 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |
| 348 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 10/XX/2002 and transaction funded on 10/XX/2002. The funding date could not be prior to 10/XX/2002. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing. |  |  |
| 321 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Higher-Priced Mortgage Loan - EV 2<br> COMMENT: Higher Priced transactions require a written appraisal.<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |
| 391 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br> COMMENT: The Adjustable Rate Mortgage Loan Program Disclosure is missing.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br> COMMENT: The file is missing the notice of servicing transfer. |  |  |
| 396 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. In addition the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing. |  |  |
| 316 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 3/XX/2008 and transaction funded on 3/XX/2008. The funding date could not be prior to 3/XX/2008. The statute of limitation has expired; downgraded based on client's profile. |  |  |
| 323 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Missing required 1-4 family rider - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 333 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 355 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 406 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $380,195.18. The disclosed finance charge of $379,940.44 is not considered accurate because it is understated by more than $100. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application on/after 2010 and Service Provider List is Missing - EV 2<br> COMMENT: The Service Provider List is missing. Failure to provide a Service Provider List is treated as not allowing the borrower to shop. As a result, shoppable fees were included in the 10% tolerance bucket. The defect can be cured by providing the SPL.<br>\*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements.<br>\*\*\* (OPEN) Homeownership Counseling List - EV 2<br> COMMENT: The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application, 8/XX/2016.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 392 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 413 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br> COMMENT: The notice of servicing transfer is missing from the file.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The prepayment rider is missing from the file. |  |  |
| 328 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 416 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: "This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 5/XX/1999 and transaction funded on 5/XX/1999. The funding date could not be prior to 5/XX/1999. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The Security Instrument is missing the following: Prepayment Rider.<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br> COMMENT: The file contains no evidence that the Right to Cancel was provided to the borrower. Statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 429 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $122,543.45. The disclosed finance charge of $122,393.45 is not considered accurate because it is understated by more than $100. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 345 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 349 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| 94 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2 |  |  |
| 295 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) ,<br> transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The Security Instrument is missing the following: Pre-payment Rider.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 1/XX/1996 and transaction funded on 1/XX/1996. The funding date could not be prior to 2/XX/1996. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 347 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Risk Based Pricing" and the "Notice to the Home Loan Applicant" are missing from the loan file.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 12/XX/2000 and transaction funded on 12/XX/2000. The funding date could not be prior to 12/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 20 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 377 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 8/XX/2000 and transaction funded on 8/XX/2000. The funding date could not be prior to 9/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 384 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: Missing the Final Application at Closing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $223,592.95. The disclosed finance charge of $171,704.49 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. In addition, the loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 9.440%. The disclosed APR of 8.023% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br> COMMENT: Missing the Appraisal.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2<br> COMMENT: Missing the 1008. |  |  |
| 291 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 2<br>\*\*\* (OPEN) Good Faith Estimate missing or unexecuted - EV 2 |  |  |
| 269 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase RESPA Test Incomplete - EV 2<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 272 | XX | XX | XX | XX | XX | XX |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |  |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application on/after 2014 and Homeownership Counseling Disc is not in file - EV 2<br> COMMENT: Homeownership Counseling Disclosure is missing.<br>\*\*\* (OPEN) Application on/after 2010 and Service Provider List is Missing - EV 2<br> COMMENT: Service Provider List is Missing.<br>\*\*\* (OPEN) ComplianceEase TRID Tolerance Test Failed #2 - EV 2<br> COMMENT: The loan is an HPML and it meets the Escrow and Appraisal Requirements. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 387 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: 1003 Application Missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4))<br> The annual percentage rate (APR) is 14.104%. The disclosed APR of 16.849% is not considered accurate because it is more<br> than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br>\*\*\* (OPEN) Final TIL Missing or Not Executed - EV 2<br> COMMENT: The TIL is missing. The APR of 16.849 was utilized to complete the required tests. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 04/XX/2000 and transaction funded on 04/XX/2000. The funding date could not be prior to 04/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 363 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br> COMMENT: The appraisal is missing.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The prepayment penalty rider to the mortgage is missing. |  |  |
| 342 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2000 and transaction funded on 4/XX/2000. The funding date could not be prior to 4/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 239 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2 |  |  |
| 331 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 428 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 6/XX/2000 and transaction funded on 6/XX/2000. The funding date could not be prior to 6/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 430 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $320,664.08. The disclosed finance charge of $320,207.77 is not considered accurate because it is understated by more than $100. The variance is $356.31. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br> COMMENT: The file contains no evidence that the Right to Cancel was provided to the borrower/co-borrower. Statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 220 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Loan appears modified. Mod missing or unexecuted - EV 2<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2 |  |  |
| 234 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br>\*\*\* (OPEN) Mortgage - Missing required ARM Rider - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2 |  |  |
| 335 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $190,433.50. The disclosed finance charge of $176,178.32 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The TIL dated 4/XX/2002 is not signed. Auditor unable to determine if it was provided to the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2002 and transaction funded on 4/XX/2002. The funding date could not be prior to 4/XX/2002. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) TIL not hand dated - EV 2<br> COMMENT: The TIL dated 4/XX/2002 is not signed. Auditor unable to determine if it was provided to the borrower(s). The statute of limitation has expired; downgraded based on client's profile. |  |  |
| 360 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired; downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing. |  |  |
| 309 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $90,680.16. The disclosed finance charge of $71,245.23 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. In addition, this loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 11.583%. The disclosed APR of 10.035% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 7/XX/2006 and transaction funded on 7/XX/2006. The funding date could not be prior to 7/XX/2006. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 366 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 | \*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 5/XX/2002 and transaction funded on 5/XX/2002. The funding date could not be prior to 5/XX/2002. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2<br> COMMENT: The 1008 is missing. |  |  |
| 424 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br> COMMENT: The Adjustable Rate Mortgage Loan Program Disclosure is missing.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br> COMMENT: The Security Instrument is missing the following: Pre-payment Rider.<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 325 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase Risk Indicator is "Elevated" - EV 2<br> COMMENT: This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c)) Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. |  |  |
| 310 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 9/XX/2006 and transaction funded on 9/XX/2006. The funding date could not be prior to 9/XX/2006. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing. |  |  |
| 367 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 1/XX/2000 and transaction funded on 1/XX/2000. The funding date could not be prior to 1/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 431 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Credit score not provided - EV 2<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 357 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 4/XX/2002 and transaction funded on 4/XX/2002. The funding date could not be prior to 4/XX/2002. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to Home Loan Applicant is missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" and "Risk Based Pricing" notice are missing from the loan file.<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Prepayment Rider Missing - EV 2 |  |  |
| 21 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br>\*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Missing required 1-4 family rider - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br> COMMENT: The loan file did not contain the servicing disclosure.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 400 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL; auditor is unable to test for timing of disclosure. The statute of limitations has expired downgraded based on Client Compliance Profile. |  |  |
| 412 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Not all borrowers signed HUD - EV 2<br> COMMENT: The loan file did not contain a final HUD; however, the preliminary HUD was used for testing.<br>\*\*\* (OPEN) Only Estimated HUD in file - EV 2<br> COMMENT: The loan file did not contain a final HUD; however, the preliminary HUD was used for testing.<br>\*\*\* (OPEN) ROR Transaction date not consistent with Note and/or HUD - EV 2 |  |  |
| 386 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)) The finance charge is $62,312.96. The disclosed finance charge of $51,899.76 is not considered accurate because it is understated by more than $100. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 11.490%. The disclosed APR of 10.311% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data finance charge is $51,899.76 and the comparison data finance charge is $62,212.96 for a $10,313.20 variance. The loan data APR is 10.311% and the comparison data APR is 11.490% for a 1.179% variance. The statute of limitation has expired; downgraded based on client's profile. |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2 |  |  |
| 344 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The loan file did not contain the final TIL; however, the estimated/preliminary TIL was used for the points and fees test. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 365 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 368 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Appraisal not dated - EV 2<br>\*\*\* (OPEN) ComplianceEase State Regulations Test Failed - EV 2<br> COMMENT: This loan failed the discount fee test. (OH ST § 1343.011(B)) The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 03/XX/2000 and transaction funded on 03/XX/2000. The funding date could not be prior to 03/XX/2000. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Higher-Priced Mortgage Loan - EV 2<br> COMMENT: This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1)) This loan does not qualify for a safe harbor. The loan has an APR of 6.510%. The APR threshold to qualify for a safe harbor is 4.880%. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Missing Title evidence - EV 2 |  |  |
| 351 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 1 | 2 | 2 | 1 | \*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The Notice to the Home Loan Applicant and the Risk Based Pricing Notice is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Not all borrowers signed TIL - EV 2<br> COMMENT: The final TIL was not signed by the borrower(s). The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: "This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 8/XX/2002 and transaction funded on 8/XX/2002. The funding date could not be prior to 8/XX/2002. The statute of limitation has expired; downgraded based on client's profile. " |  |  |
| 31 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Missing initial TIL disclosure - EV 2<br> COMMENT: The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.<br>\*\*\* (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 2<br>\*\*\* (OPEN) Loan program disclosure missing or unexecuted - EV 2<br> COMMENT: The loan file did not contain a loan program disclosure with a prepayment penalty provision.<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2 |  |  |
| 319 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. In addition the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| Dropped | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Missing Appraisal - EV 2<br>\*\*\* (OPEN) Missing credit report - EV 2<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 326 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) ComplianceEase TILA Test Failed - EV 2<br> COMMENT: This loan failed the TILA rescission finance charge test.(12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1)) The finance charge is $463,572.68. The disclosed finance charge of $453,682.62 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Missing Title evidence - EV 2<br>\*\*\* (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 2<br>\*\*\* (OPEN) Right of Rescission missing or unexecuted - EV 2<br>\*\*\* (OPEN) ROR funding date before end of required rescission period - EV 2<br> COMMENT: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Consummation occurred 10/XX/2008 and transaction funded on 10/XX/2008. The funding date could not be prior to 10/XX/2008. The statute of limitation has expired; downgraded based on client's profile.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |
| 317 | XX | XX | XX | XX | XX | XX |  | 2 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | \*\*\* (OPEN) Application Missing - EV 2<br> COMMENT: The initial 1003 is missing.<br>\*\*\* (OPEN) Credit Score Disclosure and Notice to home loan applicant is Missing - EV 2<br> COMMENT: The "Notice to the Home Loan Applicant" is missing from the loan file. Additionally, the "Risk Based Pricing" Notice is missing from the loan file.<br>\*\*\* (OPEN) Final 1003 is Missing - EV 2<br> COMMENT: The final 1003 is missing.<br>\*\*\* (OPEN) Rate Lock Date (Information) - EV 2<br> COMMENT: The file is missing evidence of a lock date; auditor unable to determine the "Date Rate was Set" required for HPML testing.<br>\*\*\* (OPEN) Transmittal (1008) is Missing - EV 2 |  |  |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

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| |
|:---|
| **Data Comparison** |
| **Run Date - 1/20/2025** |

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing id | **Recovco Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **SBO ID** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| 281 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 281 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 281 | XX | XX | XX | XX | XX | Borrower #2 First Name | XX |  |  |  |  | Initial |  |
| 281 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX |  |  |  |  | Initial |  |
| 281 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 281 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 281 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 281 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $25000.00 | XX% | Review of the appraisal, page 34, confirmed the value of $XX | Initial |  |
| 281 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 119.608% | 83.197% |  | XX% | Review of the 1008, page 684, confirmed the CLTV of 119.608%. | Initial |  |
| 281 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 78.173% |  | XX% | Review of the 1008, page 684, confirmed the LTV of 100%. | Initial |  |
| 281 | XX | XX | XX | XX | XX | Original Stated P&I | $1869.33 |  |  |  |  | Initial |  |
| 281 | XX | XX | XX | XX | XX | Original Stated Rate | 7.99000% | 5.25000% |  | XX% | Review of the note, page 187, confirmed the rate of 7.99%. | Initial |  |
| 227 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 227 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 227 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 227 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 227 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 227 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $45000.00 | XX% |  | Initial |  |
| 227 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 95.000% | 77.455% |  | XX% |  | Initial |  |
| 227 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 95.000% | 107.396% |  | XX% |  | Initial |  |
| 227 | XX | XX | XX | XX | XX | Original Stated P&I | $1259.51 |  |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Balloon Indicator | No | Yes |  |  | The Note does not indicate a Balloon. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Subject Property Type | Manufactured Housing | Single Family |  |  | The property inspection located on page 676 indicates Manufactured Housing. | Initial |  |
| 380 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -4 (Days) |  | The note on page 225 shows a 11/XX/2000 first pay date. | Initial |  |
| 380 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 225 shows no negative amortization. | Initial |  |
| 380 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-50184.00 | XX% | The note on page 225 shows a $XX balance. | Initial |  |
| 380 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 112.373% | 190.790% | -78.417% | XX% | The $XXnote and $XX appraisal support a XXX.XXX% CLTV. | Initial |  |
| 380 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 112.373% | 190.790% | -78.417% | XX% | The $XX note and $XX appraisal support a XXX.XXX% LTV. | Initial |  |
| 380 | XX | XX | XX | XX | XX | Original Stated P&I | $739.46 | $0.00 | $739.46 |  | The note on page 225 shows a $739.46 PI payment. | Initial |  |
| 380 | XX | XX | XX | XX | XX | Original Stated Rate | 11.99400% | 7.00000% | 4.99400% | XX% | The note on page 225 shows a 11.994% rate. | Initial |  |
| 380 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -552 (Days) |  | The note on page 225 shows a 10/XX/2030 maturity date. | Initial |  |
| 152 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 152 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 152 | XX | XX | XX | XX | XX | Borrower #2 First Name | XX |  |  |  |  | Initial |  |
| 152 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX |  |  |  |  | Initial |  |
| 152 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 152 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 152 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 152 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $57000.00 | XX% |  | Initial |  |
| 152 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 78.139% |  | XX% |  | Initial |  |
| 152 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 75.419% |  | XX% |  | Initial |  |
| 152 | XX | XX | XX | XX | XX | Original Stated P&I | $1679.88 |  |  |  |  | Initial |  |
| 152 | XX | XX | XX | XX | XX | Original Stated Rate | 5.77700% | 5.77750% |  | XX% |  | Initial |  |
| 271 | XX | XX | XX | XX | XX | ARM Index Type | LIBOR - 6 month WSJ | 6 MOS LIBOR |  |  | The note index is the WSJ 6 month LIBOR. | Initial |  |
| 271 | XX | XX | XX | XX | XX | ARM Interest Rate Rounding Factor | Round nearest 1/8 |  |  |  |  | Initial |  |
| 271 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  | The loan application has a SS# of | Initial |  |
| 271 | XX | XX | XX | XX | XX | Balloon Indicator | Yes |  |  |  | The mortgage contains a balloon rider. | Initial |  |
| 271 | XX | XX | XX | XX | XX | First Pay Change Date | 9/16/2009 |  |  |  |  | Initial |  |
| 271 | XX | XX | XX | XX | XX | First Rate Change Date | 8/16/2009 |  |  |  |  | Initial |  |
| 271 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  | The note has no interest-only period. | Initial |  |
| 271 | XX | XX | XX | XX | XX | Next Pay Change Date | 3/16/2020 |  |  |  |  | Initial |  |
| 271 | XX | XX | XX | XX | XX | Next Rate Change Date | 2/16/2020 |  |  |  |  | Initial |  |
| 271 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  | The loan application has a primary occupancy. | Initial |  |
| 271 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $122000.00 | XX% | The appraisal value is $XX | Initial |  |
| 271 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 90.290% |  | XX% | The $XX note and the $XX HUD sales price support a XXX% CLTV. | Initial |  |
| 271 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 121.061% |  | XX% | The $XX note and the XX HUD sales price support a XXX% LTV. | Initial |  |
| 271 | XX | XX | XX | XX | XX | Original Stated P&I | $2545.04 |  |  |  | The note PI payment is $2,545.04. | Initial |  |
| 271 | XX | XX | XX | XX | XX | Sales Price (HUD-1 Line 101) | XX |  |  |  | The HUD sales price is XX | Initial |  |
| 271 | XX | XX | XX | XX | XX | Servicing Look Back Days | First Business Day of Preceding Month |  |  |  |  | Initial |  |
| 271 | XX | XX | XX | XX | XX | Subject Property Type | PUD | Single Family |  |  | The appraisal on page 27 shows a one unit detached PUD. | Initial |  |
| 271 | XX | XX | XX | XX | XX | Subsequent Rate Adjustment Frequency | 6 Months | 6 |  |  |  | Initial |  |
| 318 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The Note reflects one borrower. | Initial |  |
| 318 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -7 (Days) |  | The first payment date on the Note located on page 643 is 08/XX/2008. | Initial |  |
| 318 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 318 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.15 | XX% | The Original Balance on the Note located on page 643 is XX. | Initial |  |
| 318 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 96.219% | 96.220% | -0.001% | XX% |  | Initial |  |
| 318 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 96.219% | 96.220% | -0.001% | XX% |  | Initial |  |
| 318 | XX | XX | XX | XX | XX | Original Stated P&I | $932.50 | $0.00 | $932.50 |  | The Original P&I on the Note located on 643 is $932.50. | Initial |  |
| 318 | XX | XX | XX | XX | XX | Original Stated Rate | 11.89000% | 5.24100% | 6.64900% | XX% | The Original Stated Rate on the Note located on page 643 is 11.890. | Initial |  |
| 318 | XX | XX | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |  |
| 318 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 24 (Days) |  | The stated maturity date on the Note located on page 643 is 07/XX/2038. | Initial |  |
| 23 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -15 (Days) |  | The note first pay date is 2/XX/2009. | Initial |  |
| 23 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note has no negative amortization. | Initial |  |
| 23 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | The file is missing the appraisal. | Initial |  |
| 23 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | Unavailable | 95.090% |  |  | The file is missing the appraisal. | Initial |  |
| 23 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | Unavailable | 95.090% |  |  | The file is missing the appraisal. | Initial |  |
| 23 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -11309 (Days) |  | The note matures on 1/XX/2029. | Initial |  |
| 176 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 176 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 176 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 176 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 176 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 176 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $58000.00 | XX% |  | Initial |  |
| 176 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 84.364% |  | XX% |  | Initial |  |
| 176 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 81.808% |  | XX% |  | Initial |  |
| 176 | XX | XX | XX | XX | XX | Original Stated P&I | $1832.67 |  |  |  |  | Initial |  |
| 176 | XX | XX | XX | XX | XX | Original Stated Rate | 7.99000% | 2.00000% |  | XX% |  | Initial |  |
| 176 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -7274 (Days) |  |  | Initial |  |
| 414 | XX | XX | XX | XX | XX | Original Stated Rate | 13.00000% | 7.00000% | 6.00000% | XX% | The rate on the Note located on page 725 is 13.00%. | Initial |  |
| 414 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -3379 (Days) |  | The stated maturity date on the Note located on page 725 is 10/XX/2029. | Initial |  |
| 434 | XX | XX | XX | XX | XX | Number Of Units | 3 | 1 | 2 | XX% | Number of units per the original appraisal is 3. | Initial |  |
| 434 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 80.000% | 78.790% | 1.210% | XX% | The LTV is loan amount ($XX) divided by value used by lender ($XX). The LTV/CLTV is XX.XX%.&#xXD; | Initial |  |
| 434 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 80.000% | 78.790% | 1.210% | XX% | The LTV is loan amount ($XX) divided by value used by lender ($XX). The LTV/CLTV is XX.XX%. | Initial |  |
| 434 | XX | XX | XX | XX | XX | Original Stated Rate | 9.50000% | 7.50000% | 2.00000% | XX% | The original interest rate per the Note is 9.500%. | Initial |  |
| 434 | XX | XX | XX | XX | XX | Subject Property Type | 3 Family | 2 Family |  |  | The subject property type per the Appraisal is 3 Family. | Initial |  |
| 383 | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | The name on the Note located on page 433 is XX. | Initial |  |
| 383 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -3 (Days) |  | The first payment date on the Note located on 433 is 12/XX/2005. | Initial |  |
| 383 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $578.89 | XX% | The Original Balance on the Note located on page 433 is XX. | Initial |  |
| 383 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 79.986% | 79.160% | 0.826% | XX% | The LTV/CLTV is loan amount ($XX) divided by value used by lender ($XX). The LTV/CLTV is XX.XXX% (up to X decimals). | Initial |  |
| 383 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 79.986% | 79.160% | 0.826% | XX% | The LTV/CLTV is loan amount ($XX) divided by value used by lender ($XX.). The LTV/CLTV is XX.XXX% (up to X decimals). | Initial |  |
| 383 | XX | XX | XX | XX | XX | Original Stated P&I | $657.96 | $0.00 | $657.96 |  | The Original P&I on the Note located on 433 is $657.96 | Initial |  |
| 383 | XX | XX | XX | XX | XX | Original Stated Rate | 10.63000% | 7.00000% | 3.63000% | XX% | The Original Stated Rate on the Note located on page 433 is 10.630. | Initial |  |
| 383 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -4294 (Days) |  | The stated maturity date on the Note located on page 433 is 11/XX/2020. | Initial |  |
| 418 | XX | XX | XX | XX | XX | Balloon Indicator | Yes | No |  |  | The balloon indicator is yes found on the note on page 1306. | Initial |  |
| 418 | XX | XX | XX | XX | XX | Original Stated P&I | $622.99 | $0.00 | $622.99 |  | The original stated P&I is $622.99 found on the note on page 1306. | Initial |  |
| 418 | XX | XX | XX | XX | XX | Original Stated Rate | 12.40000% | 7.00000% | 5.40000% | XX% | The original stated rate is 12.4% found on the note on page 1306. | Initial |  |
| 418 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -11261 (Days) |  | The stated maturity date is 9/XX/2009 found on the note on page 1306. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Balloon Indicator | No | Yes |  |  | The Note located on page 309 reflects a balloon payment. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 97.037% | 97.040% | -0.003% | XX% | The LTV/CLTV is loan amount ($XX) divided by value used by lender ($XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Subject Property Type | Manufactured Housing | Single Family |  |  | The subject property type per the property inspection is Manufactured Housing. | Initial |  |
| 330 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -11 (Days) |  | The stated first payment date on the Note located on page 72 is 7/XX/2002. | Initial |  |
| 330 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | Missing the Appraisal. | Initial |  |
| 330 | XX | XX | XX | XX | XX | Original Stated Rate | 9.87500% | 10.37500% | -0.50000% | XX% | The original interest rate on the Note located on page 72 is 9.875%. | Initial |  |
| 330 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 20 (Days) |  | The stated maturity date on the Note located on page 72 is 6/XX/2032. | Initial |  |
| 93 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Balloon Indicator | No | Yes |  |  | Per the note on page 16 there is no balloon payment and the loan file is missing a loan modification. | Initial |  |
| 93 | XX | XX | XX | XX | XX | Lien Priority Type | First [1] | Primary |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 79.149% | 79.150% | -0.001% | XX% |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Original Stated P&I | $1582.16 |  |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Representative Score | 728 |  |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Sales Price (HUD-1 Line 101) | XX | XX |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Stated Maturity Date | XX |  |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Balloon Indicator | No | Yes |  |  | Per the note on page 16 there is no balloon payment and the loan file is missing a loan modification. | Initial |  |
| 93 | XX | XX | XX | XX | XX | Lien Priority Type | First [1] | Primary |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 79.149% | 79.150% | -0.001% | XX% |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Original Stated P&I | $1582.16 |  |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Representative Score | 728 |  |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Sales Price (HUD-1 Line 101) | XX | XX |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Stated Maturity Date | XX |  |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Balloon Indicator | No | Yes |  |  | Per the note on page 16 there is no balloon payment and the loan file is missing a loan modification. | Initial |  |
| 93 | XX | XX | XX | XX | XX | Lien Priority Type | First [1] | Primary |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 79.149% | 79.150% | -0.001% | XX% |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Original Stated P&I | $1582.16 |  |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Representative Score | 728 |  |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Sales Price (HUD-1 Line 101) | XX | XX |  |  |  | Initial |  |
| 93 | XX | XX | XX | XX | XX | Stated Maturity Date | XX |  |  |  |  | Initial |  |
| 354 | XX | XX | XX | XX | XX | Balloon Indicator | No | Yes |  |  | The note on page 242 shows no balloon payment. | Initial |  |
| 354 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The note on page 242 shows one borrower. | Initial |  |
| 354 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 9 (Days) |  | The note on page 242 shows a 2/XX/2002 first pay date. | Initial |  |
| 354 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 242 shows no negative amortization. | Initial |  |
| 354 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 87.889% | 87.890% | -0.001% | XX% | The $XX note and $XXappraisal support a XX.XXX% CLTV. | Initial |  |
| 354 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 87.889% | 87.890% | -0.001% | XX% | The $XXX note and $XX appraisal support a XX.XXX% LTV. | Initial |  |
| 354 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5378 (Days) |  | The note on page 242 shows a 1/XX/2032 maturity date. | Initial |  |
| 237 | XX | XX | XX | XX | XX | ARM Index Type | LIBOR - One Year WSJ | LIBOR-1 YR-WSJ-PRINTED-PAPER-PUBLICATION 30/45 DAY |  |  |  | Initial |  |
| 237 | XX | XX | XX | XX | XX | ARM Interest Rate Rounding Factor | Round nearest 1/8 | NEAREST ROUNDING FACTOR |  |  |  | Initial |  |
| 237 | XX | XX | XX | XX | XX | Original Stated P&I | Unavailable |  |  |  |  | Initial |  |
| 237 | XX | XX | XX | XX | XX | Representative Score | Unavailable | 795 |  |  |  | Initial |  |
| 237 | XX | XX | XX | XX | XX | Servicing Look Back Days | 45 Days [45] | 45 |  |  |  | Initial |  |
| 237 | XX | XX | XX | XX | XX | Subsequent Rate Adjustment Frequency | 12 Months | 12 |  |  | Per the Note, the loan is a 1 year Libor | Initial |  |
| 432 | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | Borrower's first name verified from the Note. | Initial |  |
| 432 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 4 (Days) |  | The first payment date per the Note is 12/XX/2000. | Initial |  |
| 432 | XX | XX | XX | XX | XX | Original Stated Rate | 11.75000% | 7.00000% | 4.75000% | XX% | The original interest rate per the ARM note is 11.750%. | Initial |  |
| 432 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 1405 (Days) |  | The stated maturity date per the Note is 11/XX/2030. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | Borrower first name per the Note on page 176 is XXis middle initial. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | An appraisal was not performed. | Initial |  |
| 289 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | Per Note located on page 422 Borrower #2 Last Name is XX. | Initial |  |
| 289 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 289 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 77.482% | 77.480% | 0.002% | XX% | The LTV/CLTV is loan amount ($XX) divided by value used by lender ($XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 289 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 77.482% | 77.480% | 0.002% | XX% | The LTV/OLTV is loan amount ($XX) divided by value used by lender ($XX). The LTV/OLTV is XX.XXX%. | Initial |  |
| 338 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The first payment date on the Note located on page 453 is 03/XX/2001. | Initial |  |
| 338 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.18 | XX% | The Original Balance on the Note located on page 453 is XX. | Initial |  |
| 338 | XX | XX | XX | XX | XX | Original Stated P&I | $1415.70 | $0.00 | $1415.70 |  | The Original P&I on the Note located on 453 is $1415.70. | Initial |  |
| 338 | XX | XX | XX | XX | XX | Original Stated Rate | 11.96400% | 4.93300% | 7.03100% | XX% | The Original Stated Rate on the Note located on page 453 is 11.964. | Initial |  |
| 338 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -6214 (Days) |  | The stated maturity date on the Note located on page 453 is 02/XX/2031. | Initial |  |
| 34 | XX | XX | XX | XX | XX | ARM Index Type | LIBOR - 6 month WSJ | 6 MO LIBOR DAILY WSJ |  |  |  | Initial |  |
| 34 | XX | XX | XX | XX | XX | ARM Interest Rate Rounding Factor | Round nearest 1/8 |  |  |  |  | Initial |  |
| 34 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 34 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 34 | XX | XX | XX | XX | XX | Borrower #2 First Name | XX |  |  |  |  | Initial |  |
| 34 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX |  |  |  |  | Initial |  |
| 34 | XX | XX | XX | XX | XX | First Pay Change Date | 11/17/2011 |  |  |  |  | Initial |  |
| 34 | XX | XX | XX | XX | XX | First Rate Change Date | 10/17/2011 |  |  |  |  | Initial |  |
| 34 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 34 | XX | XX | XX | XX | XX | Next Pay Change Date | 5/17/2020 |  |  |  |  | Initial |  |
| 34 | XX | XX | XX | XX | XX | Next Rate Change Date | 4/17/2020 | 5/17/2020 | -30 (Days) |  | The Audit Value (X/XXXX/XXXX) is based on X months next rate change date. The XXXX is set as a default to run compliance. | Initial |  |
| 34 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 34 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $102000.00 | XX% | The Audit Value ($XX) reflects the appraisal value. | Initial |  |
| 34 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 80.000% | 61.688% |  | XX% | XX.XX% = PV $XX / LN AMT $ XX | Initial |  |
| 34 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 80.000% | 66.099% |  | XX% | XX.XX% = PV $XX / LN AMT $ XX | Initial |  |
| 34 | XX | XX | XX | XX | XX | Original Stated P&I | $1197.82 |  |  |  |  | Initial |  |
| 34 | XX | XX | XX | XX | XX | Servicing Look Back Days | 45 Days [45] |  |  |  |  | Initial |  |
| 34 | XX | XX | XX | XX | XX | Subsequent Rate Adjustment Frequency | 6 Months | 6 |  |  |  | Initial |  |
| 258 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 258 | XX | XX | XX | XX | XX | Balloon Indicator | Yes |  |  |  |  | Initial |  |
| 258 | XX | XX | XX | XX | XX | Borrower #2 First Name | XX |  |  |  |  | Initial |  |
| 258 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX |  |  |  |  | Initial |  |
| 258 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 258 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 258 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 258 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $83000.00 | XX% |  | Initial |  |
| 258 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 117.825% |  | XX% |  | Initial |  |
| 258 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 117.817% |  | XX% |  | Initial |  |
| 258 | XX | XX | XX | XX | XX | Original Stated P&I | $2345.55 |  |  |  |  | Initial |  |
| 122 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 122 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | N/A. | Initial |  |
| 122 | XX | XX | XX | XX | XX | Representative Score | 667 |  |  |  |  | Initial |  |
| 122 | XX | XX | XX | XX | XX | Stated Maturity Date | XX |  |  |  | The note matures on 10/XX/2035. | Initial |  |
| 415 | XX | XX | XX | XX | XX | Borrower #2 First Name | XX | XX |  |  | Borrower #2 First Name on Note located on page 631 is XX | Initial |  |
| 415 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | Borrower #2 Last Name on Note located on page 631 is XX | Initial |  |
| 415 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -4 (Days) |  | The first payment date per the Note is 2/XX/2001. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $0.40 | XX% | The Original Balance on the Note located on page 144 is $XX. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Stated P&I | $619.33 | $0.00 | $619.33 |  | The original stated P&I per the Note is $619.33. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -94 (Days) |  | The stated maturity date on the Note located on page 144 is 1/XX/2031. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | It appears that an appraisal inspection was not performed. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 11 (Days) |  | First payment date on the Note located on page 198 is 3/XX/2001. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $22364.73 | XX% | The Original Balance on the Note located on page 198 is $XX. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 96.194% | 37.340% | 58.854% | XX% | The CLTV is loan amount ($XX) divided by value used by lender ($XX). The CLTV is XX.XXX%.&#xXD; | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 96.194% | 37.340% | 58.854% | XX% | The LTV/CLTV is loan amount ($XX) divided by value used by lender ($XX). The LTV/CLTV is XX.XXX%.&#xXD; | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Stated P&I | $444.55 | $0.00 | $444.55 |  | The Original P&I on the Note located on 198 is $444.55. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Stated Rate | 12.24800% | 7.00000% | 5.24800% | XX% | The Original Stated Rate on the Note located on page 198 is 12.248%. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5771 (Days) |  | The stated maturity date on the Note located on page 198 is 2/XX/2016. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Subject Property Type | Single Family | PUD |  |  |  | Initial |  |
| 312 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 312 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -8 (Days) |  | Per the Note on page 209, the first payment date is 5/XX/2007 | Initial |  |
| 312 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 312 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.47 | XX% | Per the Note on page 209, the balance is $XX | Initial |  |
| 312 | XX | XX | XX | XX | XX | Original Stated P&I | $470.65 | $0.00 | $470.65 |  | Per the Note on page 209, the P&I is $470.65 | Initial |  |
| 312 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -3479 (Days) |  | Per the Note on page 209, the maturity date is 4/XX/2007 | Initial |  |
| 382 | XX | XX | XX | XX | XX | Balloon Indicator | No | Yes |  |  | The Note located on page 171 reflects a balloon payment. | Initial |  |
| 382 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -4 (Days) |  | The first payment date on the Note located on page 171 is 05/XX/2002. | Initial |  |
| 382 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.36 | XX% | The Original Balance on the Note located on page 171 is XX. | Initial |  |
| 382 | XX | XX | XX | XX | XX | Original Stated P&I | $640.09 | $0.00 | $640.09 |  | The Original P&I on the Note located on 171 is $640.09. | Initial |  |
| 382 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -4 (Days) |  | The stated maturity date on the Note located on page 171 is 04/XX/2032. | Initial |  |
| 62 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 3 (Days) |  | The first payment date is 3/XX/2000 found on the note on page 595. | Initial |  |
| 62 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | Yes |  |  |  | Initial |  |
| 62 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $-15000.00 | XX% | The original appraised value is $XX found on the appraisal on page 80. | Initial |  |
| 62 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.50 | XX% | The original balance is $XX found on the note on page 595. | Initial |  |
| 62 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 103.729% | 89.590% | 14.139% | XX% | The LTV/CLTV is loan amount $XX divided by value used by lender $XX. The LTV/CLTV is XXX.XXX% (up to X decimals)). | Initial |  |
| 62 | XX | XX | XX | XX | XX | Original Note Doc Date | XX | XX | -5 (Days) |  | The original note doc date is 2/XX/2000 found on the note on page 595. | Initial |  |
| 62 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 103.729% | 0.000% | 103.729% | XX% | The LTV/CLTV is loan amount $XX divided by value used by lender XX. The LTV/CLTV is XXX.XXX% (up to X decimals)). | Initial |  |
| 62 | XX | XX | XX | XX | XX | Original Stated P&I | $975.67 | $0.00 | $975.67 |  | The original stated p&I is $975.67 found on the note on page 595. | Initial |  |
| 62 | XX | XX | XX | XX | XX | Original Stated Rate | 11.49700% | 4.14000% | 7.35700% | XX% | The original stated rate is 11.497% found on the note on page 595. | Initial |  |
| 62 | XX | XX | XX | XX | XX | Purpose of Transaction per HUD-1 | Cash Out |  |  |  |  | Initial |  |
| 62 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -8913 (Days) |  | The stated maturity date is 2/XX/2030 found on the note on page 595. | Initial |  |
| 62 | XX | XX | XX | XX | XX | Subject Property Type | Single Family |  |  |  |  | Initial |  |
| 358 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The first payment date on the Note located on page 331 is 2/XX/2001. | Initial |  |
| 358 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $0.34 | XX% | The original balance on the Note located on page 331 is $XX | Initial |  |
| 358 | XX | XX | XX | XX | XX | Original Stated P&I | $1146.27 | $0.00 | $1146.27 |  | The original stated P&I on the Note located on page 331 is $1,146.27. | Initial |  |
| 358 | XX | XX | XX | XX | XX | Original Stated Rate | 11.15300% | 9.00000% | 2.15300% | XX% | The original stated rate on the Note located on page 331 is 11.153%. | Initial |  |
| 358 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -4601 (Days) |  | The stated maturity date on the Note located on page 331 is 1/XX/2016. | Initial |  |
| 90 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 90 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 90 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  |  | Initial |  |
| 90 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | Unavailable | 80.000% |  |  |  | Initial |  |
| 90 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | Unavailable | 80.000% |  |  |  | Initial |  |
| 90 | XX | XX | XX | XX | XX | Original Stated P&I | $1176.60 | $660.00 | $516.60 | XX% | The original stated P&I is $1,176.80 per the note found on page 36. | Initial |  |
| 90 | XX | XX | XX | XX | XX | Representative Score | Unavailable |  |  |  |  | Initial |  |
| 90 | XX | XX | XX | XX | XX | Sales Price (HUD-1 Line 101) | XX | XX |  |  |  | Initial |  |
| 433 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 14 (Days) |  | The Note on page 270 reflects a first payment date of 3/XX/2000. | Initial |  |
| 433 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -7291 (Days) |  | The stated maturity date on the Note located on page 270 is 2/XX/2015. | Initial |  |
| 73 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -8 (Days) |  | The first payment date on the Note located on page 1494 is 9/XX/2005. | Initial |  |
| 73 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -2595 (Days) |  | The stated maturity date on the Note located on page 1494 is 8/XX/2020. | Initial |  |
| 294 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 294 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 61.189% | 61.190% | -0.001% | XX% |  | Initial |  |
| 294 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 61.189% | 61.190% | -0.001% | XX% |  | Initial |  |
| 294 | XX | XX | XX | XX | XX | Original Stated P&I | $1825.04 | $1574.69 | $250.35 | XX% |  | Initial |  |
| 294 | XX | XX | XX | XX | XX | Sales Price (HUD-1 Line 101) | XX | XX |  |  |  | Initial |  |
| 294 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 294 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 61.189% | 61.190% | -0.001% | XX% |  | Initial |  |
| 294 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 61.189% | 61.190% | -0.001% | XX% |  | Initial |  |
| 294 | XX | XX | XX | XX | XX | Original Stated P&I | $1825.04 | $1574.69 | $250.35 | XX% |  | Initial |  |
| 294 | XX | XX | XX | XX | XX | Sales Price (HUD-1 Line 101) | XX | XX |  |  |  | Initial |  |
| 293 | XX | XX | XX | XX | XX | Number Of Units | 2 | 1 | 1 | XX% | The appraisal on page 50 reflects the subject as a 2 unit property | Initial |  |
| 388 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 14 (Days) |  | The First Payment on the Note located on page 440 is 12/XX/2000. | Initial |  |
| 388 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The appraisal is missing. | Initial |  |
| 388 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | The appraisal is missing. | Initial |  |
| 388 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.49 | XX% | The Original Balance on the Note located on page 440 is $XX | Initial |  |
| 388 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 107.816% | 107.820% | -0.004% | XX% | The LTV/CLTV is loan amount ($XX) divided by value used by lender ($XX). The LTV/CLTV is XXX.XXX% | Initial |  |
| 388 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 107.816% | 107.820% | -0.004% | XX% | The LTV/CLTV is loan amount ($XX) divided by value used by lender (XX). The LTV/CLTV is XXX.XXX% | Initial |  |
| 388 | XX | XX | XX | XX | XX | Original Stated P&I | $1468.73 | $0.00 | $1468.73 |  | The Original P&I on the Note located on page 440 is $1,468.73. | Initial |  |
| 388 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -10243 (Days) |  | The stated maturity date on the Note located on page 440 is 11/XX/2030. | Initial |  |
| 302 | XX | XX | XX | XX | XX | ARM Interest Rate Rounding Factor | Round nearest 1/8 | NEAREST ROUNDING FACTOR |  |  |  | Initial |  |
| 302 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 302 | XX | XX | XX | XX | XX | Next Pay Change Date | 6/1/2018 | 12/1/2018 | 183 (Days) |  |  | Initial |  |
| 302 | XX | XX | XX | XX | XX | Next Rate Change Date | 5/1/2018 | 11/1/2018 | 184 (Days) |  |  | Initial |  |
| 302 | XX | XX | XX | XX | XX | Servicing Look Back Days | First Business Day of Preceding Month | 27 |  |  |  | Initial |  |
| 302 | XX | XX | XX | XX | XX | Subsequent Rate Adjustment Frequency | 6 Months | 6 |  |  |  | Initial |  |
| 18 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  | Based on the application B1 SSN is | Initial |  |
| 18 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 18 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -7 (Days) |  | Based on the Note the first payment date is 10/XX/2008. | Initial |  |
| 18 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 18 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 18 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | OCCUPIED |  |  | One in the same. | Initial |  |
| 18 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $87000.00 | XX% | Based on the appraisal in file the property value is $XX | Initial |  |
| 18 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 65.183% | 51.539% |  | XX% | The CLTV is based on the appraised value of $XX | Initial |  |
| 18 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 65.183% | 95.494% |  | XX% | The LTV is based on the appraised value of $XX | Initial |  |
| 18 | XX | XX | XX | XX | XX | Original Stated P&I | $2903.95 |  |  |  | Based on the Note the original stated P&I is $2,903.95. | Initial |  |
| 18 | XX | XX | XX | XX | XX | Original Stated Rate | 8.64000% | 5.00000% |  | XX% | Based on the Note the original stated rate is 8.64%. | Initial |  |
| 18 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -6612 (Days) |  | Based on the Note the stated maturity date is 9/XX/2038. | Initial |  |
| 397 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The date on the appraisal report located on page XXXX is X/XX/XXXX. | Initial |  |
| 397 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 72.881% | 72.880% | 0.001% | XX% | The LTV/CLTV is loan amount ($XX) divided by value used by lender ($XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 397 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 72.881% | 72.880% | 0.001% | XX% | The LTV/CLTV is loan amount ($XX) divided by value used by lender ($XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 359 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -4 (Days) |  | The first payment date on the Note located on page 229 is 4/XX/2001. | Initial |  |
| 359 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-61777.79 | XX% | The Original Loan Amount on the Note located on page 229 is $XX | Initial |  |
| 359 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 107.815% | 174.970% | -67.155% | XX% | The CLTV is loan amount ($XX) divided by value used by lender ($XX). The CLTV is XXX.XXX%. | Initial |  |
| 359 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 107.815% | 174.970% | -67.155% | XX% | The LTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX). The LTV is XXX.XXX%. | Initial |  |
| 359 | XX | XX | XX | XX | XX | Original Stated P&I | $956.08 | $0.00 | $956.08 |  | The original P&I payment on the Note located on page 229 is $956.08. | Initial |  |
| 359 | XX | XX | XX | XX | XX | Original Stated Rate | 11.15200% | 5.00000% | 6.15200% | XX% | The original interest rate on the Note located on page 229 is 11.152%. | Initial |  |
| 359 | XX | XX | XX | XX | XX | Property Address Street | XX | XX |  |  | The property Street Address is formatted as shown on the Note on page 229. | Initial |  |
| 359 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 177 (Days) |  | The stated maturity date on the Note located on page 229 is 3/XX/2031. | Initial |  |
| 303 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 303 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -242 (Days) |  | Per the Note on page 461, the maturity date is 2/XX/2027. | Initial |  |
| 236 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 236 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 236 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 236 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 236 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 236 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $-3000.00 | XX% |  | Initial |  |
| 236 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 84.988% | 76.067% |  | XX% |  | Initial |  |
| 236 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 84.988% | 66.159% |  | XX% |  | Initial |  |
| 236 | XX | XX | XX | XX | XX | Original Stated P&I | $2232.40 |  |  |  |  | Initial |  |
| 337 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -6 (Days) |  | The first payment date is 12/XX/2000 found on the note on page 1127. | Initial |  |
| 337 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 337 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  |  | Initial |  |
| 337 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $0.31 | XX% | The original balance is $XX found on the note on page 1127. | Initial |  |
| 337 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 120.097% | 120.100% | -0.003% | XX% | The LTV/CLTV is loan amount XXX,XXX.XX divided by value used by lender XX,XXX. The LTV/CLTV is XXX.XXX%. | Initial |  |
| 337 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 120.097% | 120.100% | -0.003% | XX% | The LTV/CLTV is loan amount XXX,XXX.XX divided by value used by lender XX,XXX. The LTV/CLTV is XXX.XXX%. | Initial |  |
| 337 | XX | XX | XX | XX | XX | Original Stated P&I | $1070.26 | $0.00 | $1070.26 |  | The original stated P&I is $1,070.26 found on the note on page 1127. | Initial |  |
| 337 | XX | XX | XX | XX | XX | Original Stated Rate | 12.50000% | 5.50000% | 7.00000% | XX% | The original stated rate is 12.5% found on the note on page 1127. | Initial |  |
| 337 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -6 (Days) |  | The stated maturity date is 11/XX/2030 found on the note on page 1127. | Initial |  |
| 147 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 147 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 147 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 147 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 147 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 147 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $70000.00 | XX% | Appraised value XX per appraisal in file | Initial |  |
| 147 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 85.000% | 66.175% |  | XX% |  | Initial |  |
| 147 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 85.000% | 79.348% |  | XX% |  | Initial |  |
| 147 | XX | XX | XX | XX | XX | Original Stated P&I | $1415.11 |  |  |  |  | Initial |  |
| 147 | XX | XX | XX | XX | XX | Original Stated Rate | 5.60000% | 1.98548% |  | XX% |  | Initial |  |
| 147 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -7246 (Days) |  |  | Initial |  |
| 398 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-27920.00 | XX% | The Original Balance on the Note located on page 204 is $XX. | Initial |  |
| 398 | XX | XX | XX | XX | XX | Original Stated P&I | $605.52 | $0.00 | $605.52 |  | The original stated P&I per the Note is $605.52. | Initial |  |
| 398 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -7640 (Days) |  | The stated maturity date on the Note located on page 204 is 5/XX/2034. | Initial |  |
| 327 | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | The Note located on page 239 reflects Borrower First Name XX. | Initial |  |
| 327 | XX | XX | XX | XX | XX | Borrower Last Name | XX | XX |  |  | The Note located on page 239 reflects Borrower Last Name XX | Initial |  |
| 327 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The Note located on page 239 reflects First Payment Date 12/XX/2008. | Initial |  |
| 327 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The Note located on page 239 does not reflect potential negative amortization. | Initial |  |
| 327 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.18 | XX% | The Note located on page 239 reflects Original Balance $XX | Initial |  |
| 327 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 89.247% | 89.250% | -0.003% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XXX,XX. The LTV/CLTV is XX.XXX%. | Initial |  |
| 327 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 89.247% | 89.250% | -0.003% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XXX,XX. The LTV/CLTV is XX.XXX%.&#xXD; | Initial |  |
| 327 | XX | XX | XX | XX | XX | Original Stated P&I | $970.24 | $0.00 | $970.24 |  | The Note located on page 239 reflects Original Stated P&I $970.24. | Initial |  |
| 327 | XX | XX | XX | XX | XX | Original Stated Rate | 11.47400% | 5.20100% | 6.27300% | XX% | The Note located on page 239 reflects Original State Rate 11.474%. | Initial |  |
| 327 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5 (Days) |  | The Note located on page 239 reflects Maturity Date 11/XX/2038. | Initial |  |
| 327 | XX | XX | XX | XX | XX | Subject Property Type | Manufactured Housing | Single Family |  |  | The date on the appraisal report located on page 1721 reflects Property Type as Manufactured Home. | Initial |  |
| 389 | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | The note at origination was not in an estate. A death certificate was not in the file. | Initial |  |
| 389 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -1 (Days) |  | The note on page 227 shows a 4/XX/2001 first pay date. | Initial |  |
| 389 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 227 shows no negative amortization. | Initial |  |
| 389 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 98.775% | 98.780% | -0.005% | XX% | The XXX,XXX.XX note and XXX,XX appraisal support a XX.XXX% CLTV. | Initial |  |
| 389 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 98.775% | 98.780% | -0.005% | XX% | The XXX,XXX.XX note and XXX,XX appraisal support a XX.XXX% LTV. | Initial |  |
| 389 | XX | XX | XX | XX | XX | Original Stated Rate | 11.48700% | 1.18470% | 10.30230% | XX% | The note on page 227 shows a 11.487% rate. | Initial |  |
| 389 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -1 (Days) |  | The note on page 227 shows a 3/XX/2031 maturity date. | Initial |  |
| 402 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 402 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 31 (Days) |  | The Note located on page 203 reflects a first payment date of 1/XX/2005. | Initial |  |
| 402 | XX | XX | XX | XX | XX | Original Stated P&I | $1692.20 | $0.00 | $1692.20 |  | The original stated P&I as per the Note is $1,692.20. | Initial |  |
| 402 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -4230 (Days) |  | The stated maturity date on the Note located on page 203 is 12/XX/2034. | Initial |  |
| 296 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 296 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 82.266% | 82.270% | -0.004% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XX.XXX%.&#xXD; | Initial |  |
| 296 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 82.266% | 82.270% | -0.004% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XX.XXX%.&#xXD; | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 353 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -10 (Days) |  | The first payment date per the Note is 9/XX/2001. | Initial |  |
| 353 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -10 (Days) |  | The stated maturity date on the Note located on page 222 is 8/XX/2031. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | The borrower first name on the Note located on page 309 is XX; XX is middle initial. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 97.403% | 97.400% | 0.003% | XX% |  | Initial |  |
| 68 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 68 | XX | XX | XX | XX | XX | B2 SSN |  | - - |  |  |  | Initial |  |
| 68 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The loan file did not contain a loan modification. | Initial |  |
| 336 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -2 (Days) |  | The First Payment Date on the Note located on page 308 is 4/XX/2005. | Initial |  |
| 336 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 336 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $0.37 | XX% | The Original Balance on the Note located on page 308 is $XX | Initial |  |
| 336 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 83.998% | 84.000% | -0.002% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 336 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 83.998% | 84.000% | -0.002% | XX% | The LTV/OLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV/OLTV is XX.XXX%. | Initial |  |
| 336 | XX | XX | XX | XX | XX | Original Stated P&I | $1963.71 | $0.00 | $1963.71 |  | The Original P&I on the Note located on 308 is $1,963.71. | Initial |  |
| 336 | XX | XX | XX | XX | XX | Original Stated Rate | 6.84000% | 2.00000% | 4.84000% | XX% | The Original Stated Rate on the Note located on page 308 is 6.84000%. | Initial |  |
| 336 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -551 (Days) |  | The stated maturity date on the Note located on page 308 is 3/XX/2005. | Initial |  |
| 146 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 146 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 146 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 146 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 146 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 146 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $101100.00 | XX% | Original appraised value is XX per appraisal. | Initial |  |
| 146 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 90.000% | 75.533% |  | XX% |  | Initial |  |
| 146 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 90.000% | 117.779% |  | XX% |  | Initial |  |
| 146 | XX | XX | XX | XX | XX | Original Stated P&I | $1818.47 |  |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Stated P&I | $1232.62 | $0.00 | $1232.62 |  | The original stated P&I per the Note is $1,232.62. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -8766 (Days) |  | The stated maturity date on the Note located on page 220 is 04/XX/2035. | Initial |  |
| 350 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 15 (Days) |  | The first payment date on the Note located on 210 is 12/XX/2001. | Initial |  |
| 350 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-2150.27 | XX% | The Original Balance on the Note located on page 210 is XX. | Initial |  |
| 350 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 124.102% | 126.890% | -2.788% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.). The LTV/CLTV is XXXX.XXX% (up to X decimals). | Initial |  |
| 350 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 124.102% | 126.890% | -2.788% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.). The LTV/CLTV is XXXX.XXX% (up to X decimals). | Initial |  |
| 350 | XX | XX | XX | XX | XX | Original Stated P&I | $796.46 | $0.00 | $796.46 |  | The Original P&I on the Note located on 210 is $796.46. | Initial |  |
| 350 | XX | XX | XX | XX | XX | Original Stated Rate | 9.39800% | 6.75000% | 2.64800% | XX% | The Original Stated Rate on the Note located on page 210 is 9.398 | Initial |  |
| 350 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -1873 (Days) |  | The stated maturity date on the Note located on page 210 is 11/XX/2031. | Initial |  |
| 305 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The note on page 2077 has one borrower. | Initial |  |
| 305 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 2076 has no negative amortization. | Initial |  |
| 305 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 107.384% | 107.380% | 0.004% | XX% | The appraised value is XX,XX and the note amount is XX,XXX for a XXX.XXX% CLTV. | Initial |  |
| 305 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 107.384% | 107.380% | 0.004% | XX% | The appraised value is XX,XX and the note amount is XX,XXX for a XXX.XXX% LTV. | Initial |  |
| 305 | XX | XX | XX | XX | XX | Original Stated P&I | $634.81 | $0.00 | $634.81 |  | The note on page 2076 has a $634.81 PI payment. | Initial |  |
| 305 | XX | XX | XX | XX | XX | Original Stated Rate | 9.55000% | 7.00000% | 2.55000% | XX% | The note on page 2076 has a 9.55% rate. | Initial |  |
| 305 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -7548 (Days) |  | The note on page 2076 has a 8/XX/2028 maturity date. | Initial |  |
| 423 | XX | XX | XX | XX | XX | Balloon Indicator | Yes | No |  |  | The Note located on page 960 reflects a balloon note. | Initial |  |
| 423 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 80.000% | 90.860% | -10.860% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XX.XX%. | Initial |  |
| 423 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 80.000% | 90.860% | -10.860% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XX.XX%. | Initial |  |
| 423 | XX | XX | XX | XX | XX | Original Stated P&I | $647.09 | $0.00 | $647.09 |  | The original stated P&I per the Note is $647.09. | Initial |  |
| 423 | XX | XX | XX | XX | XX | Original Stated Rate | 10.70000% | 7.00000% | 3.70000% | XX% | The interest rate on the Note located on page 960 is 10.700%. | Initial |  |
| 423 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -17685 (Days) |  | The stated maturity date on the Note located on page 960 is 5/XX/2009. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Borrower #2 First Name | XX | XX |  |  | The Borrower #2 First Name on the Note is XX. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | The Borrower First Name is XX. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -30 (Days) |  | The first payment date per the Note located on page 318 is 6/XX/20015. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | The appraisal is missing. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -31 (Days) |  | The stated maturity date on the Note located on page 318 is 5/XX/2027. | Initial |  |
| 13 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -6 (Days) |  | The note first pay date is 4/XX/2008. | Initial |  |
| 13 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note has no negative amortization. | Initial |  |
| 13 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $26000.00 | XX% | The appraisal value is $XX | Initial |  |
| 13 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 57.890% | 59.030% | -1.140% | XX% | The XX,XXX note and XX,XX appraisal support a XX.XXX% CLTV. | Initial |  |
| 13 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 57.890% | 59.030% | -1.140% | XX% | The XX,XXX note and XX,XX appraisal support a XX.XXX% LTV. | Initial |  |
| 13 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -1956 (Days) |  | The note matures on 3/XX/2023. | Initial |  |
| 409 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 409 | XX | XX | XX | XX | XX | Original Stated P&I | $797.93 | $0.00 | $797.93 |  | The Original P&I on the Note located on page 305 is $797.93 | Initial |  |
| 409 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5113 (Days) |  | The stated maturity date on the Note located on page 305 is 9/XX/2036 | Initial |  |
| 226 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 226 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 226 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 226 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 226 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 226 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $89000.00 | XX% |  | Initial |  |
| 226 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 68.058% |  | XX% |  | Initial |  |
| 226 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 91.806% |  | XX% |  | Initial |  |
| 226 | XX | XX | XX | XX | XX | Original Stated P&I | $2295.26 |  |  |  |  | Initial |  |
| 226 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -1766 (Days) |  |  | Initial |  |
| 226 | XX | XX | XX | XX | XX | Subject Property Type | Low Rise Condo (1-4 Stories) | Condo |  |  |  | Initial |  |
| 343 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The Note reflects one borrower. | Initial |  |
| 343 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -9 (Days) |  | The first payment date per the Note located on page 249 is 3/XX/2002. | Initial |  |
| 343 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 343 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $-3000.00 | XX% | The value on the appraisal report located on page 377 is $XX. | Initial |  |
| 343 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-2792.37 | XX% | The original balance per the Note located on page 249 is $XX.63. | Initial |  |
| 343 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 111.621% | 110.990% | 0.631% | XX% | The CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX). The CLTV is XXX.XXX%. | Initial |  |
| 343 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 111.621% | 110.990% | 0.631% | XX% | The LTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX). The LTV is XXX.XXX%.&#xXD; | Initial |  |
| 343 | XX | XX | XX | XX | XX | Original Stated P&I | $893.43 | $0.00 | $893.43 |  | The original stated P&I payment per the Note located on page 249 is $893.42. | Initial |  |
| 343 | XX | XX | XX | XX | XX | Original Stated Rate | 10.85800% | 3.85800% | 7.00000% | XX% | The original stated rate per the Note located on page 249 is 10.858%. | Initial |  |
| 343 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -99 (Days) |  | The stated maturity date per the Note located on page 249 is 2/XX/2032. | Initial |  |
| 411 | XX | XX | XX | XX | XX | Original Stated P&I | $1274.10 | $0.00 | $1274.10 |  | The stated P&I on the Note located on page 120 is $1,274.10. | Initial |  |
| 411 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -3864 (Days) |  | The stated maturity date on the Note located on page 120 is 10/XX/2036. | Initial |  |
| 371 | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | Borrower First Name is XX. | Initial |  |
| 371 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 1 (Days) |  | The first payment date per the Note is 1/XX/2000. | Initial |  |
| 371 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $19455.32 | XX% | The Original Balance on the Note located on page 339 is $XX | Initial |  |
| 371 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 97.122% | 51.880% | 45.242% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 371 | XX | XX | XX | XX | XX | Original Note Doc Date | XX | XX | 9 (Days) |  | The First Payment Date on the Note located on page 339 is 12/XX/1999. | Initial |  |
| 371 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 97.122% | 51.880% | 45.242% | XX% | The LTV/OTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/OTV is XX.XXX%. | Initial |  |
| 371 | XX | XX | XX | XX | XX | Original Stated P&I | $443.98 | $0.00 | $443.98 |  | The Original Stated P&I on the Note located on page 339 is $443.98. | Initial |  |
| 371 | XX | XX | XX | XX | XX | Original Stated Rate | 10.65500% | 7.00000% | 3.65500% | XX% | The Original Stated Rate on the Note located on page 339 is 10.65500%. | Initial |  |
| 371 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5599 (Days) |  | The stated maturity date on the Note located on page 339 is 12/XX/2016. | Initial |  |
| 162 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 162 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 162 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 162 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 162 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 162 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $-54000.00 | XX% |  | Initial |  |
| 162 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 85.000% | 69.404% |  | XX% |  | Initial |  |
| 162 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 85.000% | 60.743% |  | XX% |  | Initial |  |
| 162 | XX | XX | XX | XX | XX | Original Stated P&I | $1377.07 |  |  |  |  | Initial |  |
| 426 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note has no negative amortization. | Initial |  |
| 244 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 244 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 244 | XX | XX | XX | XX | XX | Borrower #2 First Name | XX |  |  |  |  | Initial |  |
| 244 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX |  |  |  |  | Initial |  |
| 244 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 244 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 244 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 244 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $113000.00 | XX% |  | Initial |  |
| 244 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 87.165% |  | XX% |  | Initial |  |
| 244 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 109.049% |  | XX% |  | Initial |  |
| 244 | XX | XX | XX | XX | XX | Original Stated P&I | $1592.45 |  |  |  |  | Initial |  |
| 390 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -10197 (Days) |  | The stated maturity date on the Note located on page 242 is 7/XX/2026. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 98.726% | 98.730% | -0.004% | XX% | The LTV/CLTV is loan amount (XX,XX.XX) divided by value used by lender (XX,XXX.XX). The LTV/CLTV is XX.XXX%,&#xXD; | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -11294 (Days) |  | The stated maturity date on the Note located on page 974 is 3/XX/2032 | Initial |  |
| 329 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The first payment date on the Note located on page 52 is 3/XX/2009. | Initial |  |
| 329 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 329 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $1485.95 | XX% | The Original Balance on the Note located on page 52 is $XX. | Initial |  |
| 329 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 73.497% | 71.400% | 2.097% | XX% | The CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX). The CLTV is XX.XXX%. | Initial |  |
| 329 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 73.497% | 71.400% | 2.097% | XX% | The LTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX). The LTV is XX.XXX%&#xXD; | Initial |  |
| 329 | XX | XX | XX | XX | XX | Original Stated P&I | $560.36 | $0.00 | $560.36 |  | The original stated P&I on the Note located on page 52 is $560.36. | Initial |  |
| 329 | XX | XX | XX | XX | XX | Original Stated Rate | 10.44600% | 7.00000% | 3.44600% | XX% | The original stated rate on the Note located on page 52 is 10.466%. | Initial |  |
| 329 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -1920 (Days) |  | The stated maturity date on the Note located on page 52 is 2/XX/2025. | Initial |  |
| 329 | XX | XX | XX | XX | XX | Subject Property Type | Manufactured Housing | Low Rise Condo (1-4 Stories) |  |  | The subject property type per the appraisal on page 1130 is Manufactured Housing. | Initial |  |
| 280 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 280 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 280 | XX | XX | XX | XX | XX | Borrower #2 First Name | XX |  |  |  |  | Initial |  |
| 280 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX |  |  |  |  | Initial |  |
| 280 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 280 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 280 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 280 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $67000.00 | XX% |  | Initial |  |
| 280 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 84.465% |  | XX% |  | Initial |  |
| 280 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 93.595% |  | XX% |  | Initial |  |
| 280 | XX | XX | XX | XX | XX | Original Stated P&I | $1592.45 |  |  |  |  | Initial |  |
| 280 | XX | XX | XX | XX | XX | Original Stated Rate | 8.35000% | 5.25000% |  | XX% |  | Initial |  |
| 369 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 3 (Days) |  | The first payment date on the Note located on page 303 is 6/XX/2001. | Initial |  |
| 369 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $29451.34 | XX% | The original loan amount on the Note located on page 303 is $XX | Initial |  |
| 369 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 108.548% | 70.790% | 37.758% | XX% | The CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX). The CLTV is XXX.XXX%. | Initial |  |
| 369 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 108.548% | 70.790% | 37.758% | XX% | The LTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX). The LTV is XXX.XXX%. | Initial |  |
| 369 | XX | XX | XX | XX | XX | Original Stated P&I | $897.12 | $0.00 | $897.12 |  | The original P&I payment on the Note located on page 303 is $897.12. | Initial |  |
| 369 | XX | XX | XX | XX | XX | Original Stated Rate | 9.75300% | 5.00000% | 4.75300% | XX% | The original interest rate on the Note located on page 303 is 9.753%. | Initial |  |
| 369 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5933 (Days) |  | The stated maturity date on the Note located on page 303 is 5/XX/2016. | Initial |  |
| 292 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The note has one borrower. | Initial |  |
| 292 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note has no negative amortization. | Initial |  |
| 292 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $-7000.00 | XX% | The appraisal has a $XX value. | Initial |  |
| 292 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 53.636% | 47.580% | 6.056% | XX% | The XX,XXX note and XX,XX appraisal support a XX.XXX% CLTV. | Initial |  |
| 292 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 53.636% | 47.580% | 6.056% | XX% | The XX,XXX note and XX,XX appraisal support a XX.XXX% LTV. | Initial |  |
| 420 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 420 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 420 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 82.018% | 82.020% | -0.002% | XX% | The LTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV is XX.XXX%. | Initial |  |
| 420 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 82.018% | 82.020% | -0.002% | XX% | The LTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV is XX.XXX%. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -2618 (Days) |  | The stated maturity date per the Note is 5/XX/2025. | Initial |  |
| 313 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The Note reflects one borrower. | Initial |  |
| 313 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -4 (Days) |  | The stated first payment date on the Note located on page 73 is 6/XX/2007. | Initial |  |
| 313 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $0.09 | XX% | The original loan amount on the Note located on page 73 is $XX. | Initial |  |
| 313 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 79.994% | 79.990% | 0.004% | XX% | Rounding. | Initial |  |
| 313 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 79.994% | 79.990% | 0.004% | XX% | Rounding. | Initial |  |
| 313 | XX | XX | XX | XX | XX | Original Stated P&I | $629.89 | $0.00 | $629.89 |  | The stated P&I payment on the Note located on page 73 is $629.89. | Initial |  |
| 313 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -2287 (Days) |  | The stated maturity date on the Note located on page 73 is 5/XX/2021. | Initial |  |
| 408 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | It appears that an appraisal inspection was not performed. | Initial |  |
| 408 | XX | XX | XX | XX | XX | Original Stated P&I | $1722.46 | $0.00 | $1722.46 |  | The Original P&I on the Note located on page 239 is $1722.46. | Initial |  |
| 408 | XX | XX | XX | XX | XX | Original Stated Rate | 9.29000% | 5.00000% | 4.29000% | XX% | The Original Stated Rate on the Note located on page 239 is 9.290% | Initial |  |
| 408 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -3499 (Days) |  | The stated maturity date on the Note located on page 239 is 8/XX/2036 | Initial |  |
| 404 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The Note reflects one borrower. | Initial |  |
| 404 | XX | XX | XX | XX | XX | Interest Only Period? | Yes | No |  |  | The Interest Only Addendum located on page 248 reflects Interest Only Period. | Initial |  |
| 404 | XX | XX | XX | XX | XX | Original Stated P&I | $2152.08 | $0.00 | $2152.08 |  | The Note located on page 245 reflects Original Stated P&I $2,152.08. | Initial |  |
| 379 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 11 (Days) |  | The first payment date per the Note is 5/XX/2001. | Initial |  |
| 379 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 379 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-51006.18 | XX% | The original balance per the Note is $XX | Initial |  |
| 379 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 97.034% | 131.500% | -34.466% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.). The LTV/CLTV is XX.XXX% (up to X decimals). | Initial |  |
| 379 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 97.034% | 131.500% | -34.466% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.). The LTV/CLTV is XX.XXX% (up to X decimals). | Initial |  |
| 379 | XX | XX | XX | XX | XX | Original Stated P&I | $1418.56 | $0.00 | $1418.56 |  | The original stated P & I per the Note is $1,418.56. | Initial |  |
| 379 | XX | XX | XX | XX | XX | Original Stated Rate | 11.46700% | 7.00000% | 4.46700% | XX% | The original stated rate per the Note is 11.467%. | Initial |  |
| 379 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5590 (Days) |  | The stated original maturity date per the Note is 4/XX/2001. | Initial |  |
| 188 | XX | XX | XX | XX | XX | ARM Index Type | LIBOR - 6 month WSJ | /O 60 MOS 6MO LIB WS |  |  | Verified per note reflect ARM index type isLibor-6month - WSJ | Initial |  |
| 188 | XX | XX | XX | XX | XX | ARM Interest Rate Rounding Factor | Round nearest 1/8 |  |  |  |  | Initial |  |
| 188 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 188 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 188 | XX | XX | XX | XX | XX | First Pay Change Date | 3/1/2007 |  |  |  |  | Initial |  |
| 188 | XX | XX | XX | XX | XX | First Rate Change Date | 2/1/2007 |  |  |  |  | Initial |  |
| 188 | XX | XX | XX | XX | XX | Interest Only Period? | Yes |  |  |  |  | Initial |  |
| 188 | XX | XX | XX | XX | XX | Next Pay Change Date | 9/12/2020 |  |  |  |  | Initial |  |
| 188 | XX | XX | XX | XX | XX | Next Rate Change Date | 8/1/2020 | 3/1/2020 | 153 (Days) |  | Verified per note reflect next rate change date 8/1/2020 | Initial |  |
| 188 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  | Verified per final 1003 reflect occupancy at origination as a primary residence | Initial |  |
| 188 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $23000.00 | XX% | The Audit Value reflects the appraised value. The Data provided is the desk review appraisal value. | Initial |  |
| 188 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 86.128% |  | XX% | Audit Value matches the source document in the file. | Initial |  |
| 188 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 93.789% |  | XX% | Audit Value matches the source document in the file. | Initial |  |
| 188 | XX | XX | XX | XX | XX | Original Stated P&I | $1354.20 |  |  |  |  | Initial |  |
| 188 | XX | XX | XX | XX | XX | Servicing Look Back Days | 45 Days [45] |  |  |  |  | Initial |  |
| 188 | XX | XX | XX | XX | XX | Subsequent Rate Adjustment Frequency | 6 Months | 6 |  |  |  | Initial |  |
| 375 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 2 (Days) |  | The first payment date on the Note is 6/XX/2000. | Initial |  |
| 375 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-80101.90 | XX% | The Original Balance on the Note located on page 298 is XX. | Initial |  |
| 375 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.661% | 121.800% | -21.139% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XXX.). The LTV/CLTV is XXX.XXX% (up to X decimals). | Initial |  |
| 375 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.661% | 121.800% | -21.139% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XXX.). The LTV/CLTV is XXX.XXX% (up to X decimals). | Initial |  |
| 375 | XX | XX | XX | XX | XX | Original Stated P&I | $637.08 | $0.00 | $637.08 |  | The Original P&I on the Note located on 298 is $637.08. | Initial |  |
| 375 | XX | XX | XX | XX | XX | Original Stated Rate | 11.99400% | 7.00000% | 4.99400% | XX% | The Original Stated Rate on the Note located on page 298 is 11.994. | Initial |  |
| 375 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -4807 (Days) |  | The stated maturity date on the Note located on page 298 is 05/XX/2000. | Initial |  |
| 356 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The note on page 372 shows a 11/XX/2001 first pay date. | Initial |  |
| 356 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 372 shows no negative amortization. | Initial |  |
| 356 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-97733.00 | XX% | The note on page 372 shows a $XX balance. | Initial |  |
| 356 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 107.816% | 156.080% | -48.264% | XX% | The XXX,XXX note and XXX,XXX appraisal support a XXX.XXX% CLTV. | Initial |  |
| 356 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 107.816% | 156.080% | -48.264% | XX% | The XXX,XXX note and XXX,XXX appraisal support a XXX.XXX% LTV. | Initial |  |
| 356 | XX | XX | XX | XX | XX | Original Stated P&I | $2004.38 | $0.00 | $2004.38 |  | The note on page 372 shows a $2,004.38 PI payment. | Initial |  |
| 356 | XX | XX | XX | XX | XX | Original Stated Rate | 10.54400% | 7.00000% | 3.54400% | XX% | The note on page 372 shows a 10.544% rate. | Initial |  |
| 356 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5212 (Days) |  | The note on page 372 shows a 10/XX/2031 maturity date. | Initial |  |
| 334 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -4 (Days) |  | The first payment date per the Note is 8/XX/2000. | Initial |  |
| 334 | XX | XX | XX | XX | XX | Original Stated P&I | $741.70 | $0.00 | $741.70 |  | The original stated P & I per the Note is $741.70. | Initial |  |
| 334 | XX | XX | XX | XX | XX | Original Stated Rate | 12.49100% | 5.25000% | 7.24100% | XX% | The original stated rate per the Note is 12.491%. | Initial |  |
| 334 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 27 (Days) |  | The stated maturity date per the Note is 7/XX/2030. | Initial |  |
| 370 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The first payment date on the Note located on page 207 is 7/XX/2000. | Initial |  |
| 370 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 370 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.38 | XX% | The Original Balance on the Note located on page 207 is $XX. | Initial |  |
| 370 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 97.192% | 97.190% | 0.002% | XX% |  | Initial |  |
| 370 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 97.192% | 97.190% | 0.002% | XX% |  | Initial |  |
| 370 | XX | XX | XX | XX | XX | Original Stated P&I | $1088.45 | $0.00 | $1088.45 |  | The Original P&I on the Note located on 207 is $1,088.45. | Initial |  |
| 370 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -2684 (Days) |  | The stated maturity date on the Note located on page 207 is 6/XX/2030. | Initial |  |
| 370 | XX | XX | XX | XX | XX | Subject Property Type | Single Family | PUD |  |  |  | Initial |  |
| 314 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -3 (Days) |  | The Note located on page 473 has a first payment date of 10/XX/2007. | Initial |  |
| 314 | XX | XX | XX | XX | XX | Original Stated P&I | $745.53 | $0.00 | $745.53 |  | The Original P&I on the Note located on 473 is $745.53. | Initial |  |
| 314 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -3 (Days) |  | The stated maturity date on the Note located on page 473 is 09/XX/2027 | Initial |  |
| 301 | XX | XX | XX | XX | XX | Lender Doc Type | Limited Documentation | LIMITED DOC |  |  |  | Initial |  |
| 301 | XX | XX | XX | XX | XX | Lifetime Downward Rate Change Cap | 0.000% | 5.990% |  | XX% |  | Initial |  |
| 301 | XX | XX | XX | XX | XX | Lifetime Upward Rate Change Cap | 6.000% | 11.990% |  | XX% |  | Initial |  |
| 301 | XX | XX | XX | XX | XX | Max Rate At First Adjustment | 8.990% | 3.000% |  | XX% |  | Initial |  |
| 410 | XX | XX | XX | XX | XX | Interest Only Period? | Yes | No |  |  | Per the Note, there is an interest only period. | Initial |  |
| 422 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 422 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 422 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $10000.00 | XX% | Original Appraised value per the appraisal on pg. 57 is $XX | Initial |  |
| 422 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 59.455% | 72.670% | -13.215% | XX% | The CLTV is loan amount XX,XXX divided by value used by lender XX,XX. The LTV/CLTV is XX.XX%.&#xXD; | Initial |  |
| 422 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 59.455% | 72.670% | -13.215% | XX% | The LTV is loan amount XX,XXX divided by value used by lender XX,XX. The LTV/CLTV is XX.XX%. | Initial |  |
| 378 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The note on page 206 has a 2/XX/2001 first pay date. | Initial |  |
| 378 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 206 has no negative amortization. | Initial |  |
| 378 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-106890.75 | XX% | The note on page 206 has a $XX balance. | Initial |  |
| 378 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 111.126% | 196.640% | -85.514% | XX% | The XXX,XXX.XX note and XXX,XX appraisal support a XXX.XXX% CLTV. | Initial |  |
| 378 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 111.126% | 196.640% | -85.514% | XX% | The XXX,XXX.XX note and XXX,XX appraisal support a XXX.XXX% LTV. | Initial |  |
| 378 | XX | XX | XX | XX | XX | Original Stated P&I | $1299.56 | $0.00 | $1299.56 |  | The note on page 206 has a $1,299.56 PI payment. | Initial |  |
| 378 | XX | XX | XX | XX | XX | Original Stated Rate | 10.77700% | 5.00000% | 5.77700% | XX% | The note on page 206 has a 10.777% rate. | Initial |  |
| 378 | XX | XX | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | The HUD shows a no cash-out refinance. | Initial |  |
| 378 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -1922 (Days) |  | The note on page 206 has a 1/XX/2031 maturity date. | Initial |  |
| 311 | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | The name on the Note located on page 574 is XX. Death Certificate found on page 833. | Initial |  |
| 311 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -6 (Days) |  | The First payment date on the Note located on 574 is 04/XX/2007. | Initial |  |
| 311 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $0.32 | XX% | The Original Balance on the Note located on page 574 is XX. | Initial |  |
| 311 | XX | XX | XX | XX | XX | Original Stated P&I | $519.89 | $0.00 | $519.89 |  | The Original P&I on the Note located on 574 is $519.89. | Initial |  |
| 311 | XX | XX | XX | XX | XX | Original Stated Rate | 9.51400% | 5.25000% | 4.26400% | XX% | The Original Stated Rate on the Note located on page 574 is 9.514%. | Initial |  |
| 311 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -190 (Days) |  | The stated maturity date on the Note located on page 574 is 03/XX/2037. | Initial |  |
| 101 | XX | XX | XX | XX | XX | ARM Index Type | LIBOR - 6 month WSJ |  |  |  | The note on page 260 has a WSJ 6 month LIBOR index. | Initial |  |
| 101 | XX | XX | XX | XX | XX | ARM Interest Rate Rounding Factor | Round nearest 1/8 |  |  |  | The note on page 260 has a 1/8% rounding factor. | Initial |  |
| 101 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The note on page 260 has one borrower. | Initial |  |
| 101 | XX | XX | XX | XX | XX | Next Pay Change Date | 2/1/2024 | 12/1/2098 | -27332 (Days) |  | The note on page 260 has a rate that changes on 2/1/2024. | Initial |  |
| 101 | XX | XX | XX | XX | XX | Next Rate Change Date | 1/1/2024 | 5/1/2024 | -121 (Days) |  | The note on page 260 has a 1/1/2024 next rate change date. | Initial |  |
| 101 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | The file is missing the appraisal. | Initial |  |
| 101 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 52.200% | 47.800% | XX% | The XX,XXX note and the XX,XXX HUD sales price support a XXX% CLTV. | Initial |  |
| 101 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 52.200% | 47.800% | XX% | The XX,XXX note and the XX,XXX HUD sales price support a XXX% LTV. | Initial |  |
| 101 | XX | XX | XX | XX | XX | Servicing Look Back Days | First Business Day of Preceding Month |  |  |  | The note on page 260 has a look back of the first business day of preceding month. | Initial |  |
| 101 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5053 (Days) |  | The note on page 260 has a 7/XX/2030 maturity date. | Initial |  |
| 101 | XX | XX | XX | XX | XX | Subsequent Rate Adjustment Frequency | 6 Months |  |  |  | The note on page 260 adjusts each 6 months. | Initial |  |
| 80 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The note on page 149 has one borrower. | Initial |  |
| 80 | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | The borrower on the origination note is XX. There is no estate and the death certificate was not in the file. | Initial |  |
| 80 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | The file is missing the appraisal. | Initial |  |
| 80 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | Unavailable | 62.960% |  |  | The file is missing the appraisal. | Initial |  |
| 80 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | Unavailable | 62.960% |  |  | The file is missing the appraisal. | Initial |  |
| 80 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -2495 (Days) |  | The note on page 149 has a 8/XX/2024 maturity date. | Initial |  |
| 346 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 10 (Days) |  | The first payment date per the Note is 5/XX/2002. | Initial |  |
| 346 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 115.780% | -15.780% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX.) divided by value used by lender (XXX,XXX.). The LTV/CLTV is XXX.XX% (up to X decimals). | Initial |  |
| 346 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 115.780% | -15.780% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX.) divided by value used by lender (XXX,XXX.). The LTV/CLTV is XXX.XX% (up to X decimals). | Initial |  |
| 346 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 10 (Days) |  | The stated maturity date per the Note is 4/XX/2032. | Initial |  |
| 401 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The Note reflects one borrower. | Initial |  |
| 401 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The Note located on page 467 does not reflect potential negative amortization. | Initial |  |
| 401 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $3582.00 | XX% | The Note located on page 467 reflects Original Balance $XX | Initial |  |
| 401 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 82.620% | 17.380% | XX% | The CLTV is loan amount XXX,XXX plus Xnd mortgage XX,XXX divided by value used by lender XXX,XXX. The CLTV is XXX.XX%. &#xXD; | Initial |  |
| 401 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 84.998% | 82.620% | 2.378% | XX% | The LTV is loan amount XXX,XXX divided by value used by lender XXX,XXX. The CLTV is XX.XXX%. | Initial |  |
| 401 | XX | XX | XX | XX | XX | Original Stated P&I | $843.21 | $0.00 | $843.21 |  | The Note located on page 467 reflects Original Stated P&I $843.21. | Initial |  |
| 401 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -4564 (Days) |  | The Note located on page 467 reflects Maturity Date 1/XX/2035. | Initial |  |
| 315 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The note on page 39 shows a 11/XX/2007 first pay date. | Initial |  |
| 315 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 39 shows no negative amortization. | Initial |  |
| 315 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 79.993% | 79.990% | 0.003% | XX% | The XXX,XXX note and XXX,XX appraisal support a XX.XXX% CLTV. | Initial |  |
| 315 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 79.993% | 79.990% | 0.003% | XX% | The XXX,XXX note and XXX,XX appraisal support a XX.XXX% LTV. | Initial |  |
| 315 | XX | XX | XX | XX | XX | Original Stated P&I | $1096.65 | $0.00 | $1096.65 |  | The note on page 39 shows a $1,096.65 PI payment. | Initial |  |
| 315 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -2958 (Days) |  | The note on page 39 shows a 10/XX/2027 maturity date. | Initial |  |
| 393 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The Note located on page 228 does not reflect potential negative amortization. | Initial |  |
| 393 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-26178.00 | XX% | The Note located on page 228 reflects Original Balance $XX | Initial |  |
| 393 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 121.910% | -21.910% | XX% | The CLTV is loan amount XXX,XXX divided by value used by lender XXX,XXX. The CLTV is XXX.XX%. &#xXD; | Initial |  |
| 393 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 121.910% | -21.910% | XX% | The LTV is loan amount XXX,XXX divided by value used by lender XXX,XXX. The LTV is XXX.XX%. &#xXD; | Initial |  |
| 393 | XX | XX | XX | XX | XX | Original Stated P&I | $1047.82 | $0.00 | $1047.82 |  | The Note located on page 228 reflects Original Stated P&I $1,047.82. | Initial |  |
| 393 | XX | XX | XX | XX | XX | Original Stated Rate | 9.99000% | 7.00000% | 2.99000% | XX% | The Note located on page 228 reflects Original Stated Rate 9.99%. | Initial |  |
| 407 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The Note reflects one borrower. | Initial |  |
| 407 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 30 (Days) |  | The Note located on page 934 reflects First Payment Date 10/XX/2006. | Initial |  |
| 407 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The Note located on page 934 does not reflect potential negative amortization. | Initial |  |
| 407 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-43528.00 | XX% | The Note located on page 934 reflects Original Balance $XX | Initial |  |
| 407 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 133.100% | -33.100% | XX% | The LTV/CLTV is loan amount XXX,XXX divided by value used by lender XXX,XXX. The LTV/CLTV is XXX.XX%. | Initial |  |
| 407 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 133.100% | -33.100% | XX% | The LTV/CLTV is loan amount XXX,XXX divided by value used by lender XXX,XXX. The LTV/CLTV is XXX.XX%.&#xXD; | Initial |  |
| 407 | XX | XX | XX | XX | XX | Original Stated P&I | $1217.65 | $0.00 | $1217.65 |  | The Note located on page 934 reflects Original State P&I $1,217.65. | Initial |  |
| 407 | XX | XX | XX | XX | XX | Original Stated Rate | 10.65000% | 7.00000% | 3.65000% | XX% | The Note located on page 934 reflects Original State Rate 10.65%. | Initial |  |
| 407 | XX | XX | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | The HUD located on page 934 reflects Purpose of Transaction was Refinance. Lease option agreement (partial required documentation) located on page 1846 dated 10/15/2004. | Initial |  |
| 407 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 2192 (Days) |  | The Note located on page 934 reflects Maturity Date 9/XX/2036. | Initial |  |
| 265 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 265 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 265 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 265 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 265 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $20000.00 | XX% |  | Initial |  |
| 265 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 86.485% |  | XX% |  | Initial |  |
| 265 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 80.052% |  | XX% |  | Initial |  |
| 265 | XX | XX | XX | XX | XX | Original Stated P&I | $1411.16 |  |  |  |  | Initial |  |
| 399 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 31 (Days) |  | The Note located on page 239 reflects First Payment Date 9/XX/2004. | Initial |  |
| 399 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The Note located on page 239 does not reflect potential negative amortization. | Initial |  |
| 399 | XX | XX | XX | XX | XX | Original Stated P&I | $713.23 | $0.00 | $713.23 |  | The Note located on page 239 reflects Original Stated P&I $713.23. | Initial |  |
| 399 | XX | XX | XX | XX | XX | Original Stated Rate | 8.80000% | 2.00000% | 6.80000% | XX% | The Note located on page 239 reflects Original Stated Rate 8.8%. | Initial |  |
| 399 | XX | XX | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | The HUD located on page 672 reflects Purpose of Transaction Debt Consolidation Cash Out Refinance. The 1008 located on page 1230 reflects Purpose of Transaction No Cash Out Refinance. | Initial |  |
| 399 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -7489 (Days) |  | The Note located on page 239 reflects Maturity Date 8/XX/2034. | Initial |  |
| 362 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The note on page 230 shows a 11/XX/2000 first pay date. | Initial |  |
| 362 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 230 shows no negative amortization. | Initial |  |
| 362 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | The file is missing the appraisal. | Initial |  |
| 362 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 115.789% | 115.790% | -0.001% | XX% | The XX,XX note and XX,XX appraisal support a XXX.XXX% CLTV. | Initial |  |
| 362 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 115.789% | 115.790% | -0.001% | XX% | The XX,XX note and XX,XX appraisal support a XXX.XXX% LTV. | Initial |  |
| 362 | XX | XX | XX | XX | XX | Original Stated P&I | $538.75 | $0.00 | $538.75 |  | The note on page 230 shows a $538.75 PI payment. | Initial |  |
| 362 | XX | XX | XX | XX | XX | Original Stated Rate | 14.49800% | 5.25000% | 9.24800% | XX% | The note on page 230 shows a 14.498% rate. | Initial |  |
| 362 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -218 (Days) |  | The note on page 230 shows a 10/XX/2030 maturity date. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -8 (Days) |  | The note first pay date is 6/XX/2007. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note has no negative amortization. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $5000.00 | XX% | The appraisal value is $XX | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 95.004% | 100.940% | -5.936% | XX% | The XX,XXX note and XX,XX appraisal support a XX.XX% CLTV. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 95.004% | 100.940% | -5.936% | XX% | The XX,XXX note and XX,XX appraisal support a XX.XX% LTV. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -1074 (Days) |  | The note matures on 5/XX/2007. | Initial |  |
| 376 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -14 (Days) |  | The first payment date on the Note located on page 227 is 03/XX/2000. | Initial |  |
| 376 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | The appraisal is missing. | Initial |  |
| 376 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-8855.14 | XX% | The Original Balance on the Note located on page 227 is XX. | Initial |  |
| 376 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 111.843% | 131.970% | -20.127% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.). The LTV/CLTV is XXX.XXX % (up to X decimals). | Initial |  |
| 376 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 111.843% | 131.970% | -20.127% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.). The LTV/CLTV is XXX.XXX % (up to X decimals). | Initial |  |
| 376 | XX | XX | XX | XX | XX | Original Stated P&I | $442.85 | $0.00 | $442.85 |  | The Original P&I on the Note located on 227 is $442.85. | Initial |  |
| 376 | XX | XX | XX | XX | XX | Original Stated Rate | 10.30100% | 7.00000% | 3.30100% | XX% | The Original Stated Rate on the Note located on page 227 is 10.301. | Initial |  |
| 376 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -72 (Days) |  | The stated maturity date on the Note located on page 227 is 02/XX/2030. | Initial |  |
| 212 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 212 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 212 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 212 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  | Verified per 1003 reflect occupancy at origination as a primary residence | Initial |  |
| 212 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $31631.00 | XX% | The Audit Value reflects the appraised value. The Data provided is the desk review appraisal value. | Initial |  |
| 212 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 87.599% |  | XX% | Review of the data audit sheet, page 911, reflects the LTV of 100% | Initial |  |
| 212 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 108.962% |  | XX% | Review of the data audit sheet, page 911, reflects the LTV of 100% | Initial |  |
| 212 | XX | XX | XX | XX | XX | Original Stated P&I | $1337.25 |  |  |  |  | Initial |  |
| 340 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -6 (Days) |  | The Note located on page 190 reflects a first payment date of 9/XX/2000. | Initial |  |
| 340 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-16324.36 | XX% | The Original Balance on the Note located on page 190 is $XX | Initial |  |
| 340 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 101.010% | 130.690% | -29.680% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV isXXX.XXX%. | Initial |  |
| 340 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 101.010% | 130.690% | -29.680% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV isXXX.XXX%. | Initial |  |
| 340 | XX | XX | XX | XX | XX | Original Stated P&I | $756.63 | $0.00 | $756.63 |  | The Note located on page 190 reflects a P&I of $756.63. | Initial |  |
| 340 | XX | XX | XX | XX | XX | Original Stated Rate | 14.99000% | 5.00000% | 9.99000% | XX% | The interest rate on the Note located on page 190 is 14.990%. | Initial |  |
| 340 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -7768 (Days) |  | The stated maturity date on the Note located on page 190 is 8/XX/2000. | Initial |  |
| 395 | XX | XX | XX | XX | XX | ARM Index Type | LIBOR - 6 month WSJ |  |  |  | The note on page 130 shows the index as the WSJ 6 month LIBOR. | Initial |  |
| 395 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The note on page 130 shows one borrower. | Initial |  |
| 395 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-55749.00 | XX% | The note on page 130 shows a $XX balance. | Initial |  |
| 395 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 121.040% | -21.040% | XX% | The XXX,XX note and XXX,XX appraisal support a XXX% CLTV. | Initial |  |
| 395 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 121.040% | -21.040% | XX% | The XXX,XX note and XXX,XX appraisal support a XXX% LTV. | Initial |  |
| 395 | XX | XX | XX | XX | XX | Original Stated P&I | $1830.29 | $0.00 | $1830.29 |  | The note on page 130 shows a PI payment of $1,830.29. | Initial |  |
| 395 | XX | XX | XX | XX | XX | Original Stated Rate | 7.37500% | 5.00000% | 2.37500% | XX% | The note on page 130 shows a 7.375% rate. | Initial |  |
| 395 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 92 (Days) |  | The note on page 130 shows a 11/XX/2033 maturity date. | Initial |  |
| 419 | XX | XX | XX | XX | XX | Original Stated Rate | 10.60000% | 5.60000% | 5.00000% | XX% | The Note on page 219 reflects the interest rate of 10.60% | Initial |  |
| 324 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -9 (Days) |  | The Note located on page 305 reflects First Payment Date 11/XX/2008. | Initial |  |
| 324 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The Note located on page 305 does not reflect potential negative amortization. | Initial |  |
| 324 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  |  | Initial |  |
| 324 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-30604.13 | XX% | The Note located on page 305 reflects Original Balance $XX. | Initial |  |
| 324 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 79.310% | 105.050% | -25.740% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XXX,XXX. The LTV/CLTV is XX.XXX%. &#xXD; | Initial |  |
| 324 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 79.310% | 105.050% | -25.740% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XXX,XXX. The LTV/CLTV is XX.XXX%. &#xXD; | Initial |  |
| 324 | XX | XX | XX | XX | XX | Original Stated P&I | $1071.26 | $0.00 | $1071.26 |  | The Note located on page 305 reflects Original Stated P&I $1,071.26. | Initial |  |
| 324 | XX | XX | XX | XX | XX | Original Stated Rate | 12.49800% | 7.00000% | 5.49800% | XX% | The Note located on page 305 reflects Original Stated Rate 12.498%. | Initial |  |
| 324 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -10267 (Days) |  | The Note located on page 305 reflects Maturity Date 10/XX/2028. | Initial |  |
| 394 | XX | XX | XX | XX | XX | Balloon Indicator | Yes | No |  |  | The Note located on page 359 reflects a balloon payment. | Initial |  |
| 394 | XX | XX | XX | XX | XX | Borrower Last Name | XX | XX |  |  | The borrowers last name on the Note located on page 359 is XX. | Initial |  |
| 394 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 4 (Days) |  | The First Payment on the Note located on page 359 is 7/XX/2002. | Initial |  |
| 394 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 394 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $4661.00 | XX% | The Original Balance on the Note located on page 359 is $XX. | Initial |  |
| 394 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 91.210% | 8.790% | XX% | The LTV/CLTV is loan amount (XX,XX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XXX.XX%.&#xXD; | Initial |  |
| 394 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 91.210% | 8.790% | XX% | The LTV/CLTV is loan amount (XX,XX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XXX.XX%.&#xXD; | Initial |  |
| 394 | XX | XX | XX | XX | XX | Original Stated P&I | $502.74 | $0.00 | $502.74 |  | The Original P&I on the Note located on 359 is $502.74. | Initial |  |
| 394 | XX | XX | XX | XX | XX | Original Stated Rate | 10.95000% | 7.00000% | 3.95000% | XX% | The Original Stated Rate on the Note located on page 359 is 10.95%. | Initial |  |
| 394 | XX | XX | XX | XX | XX | Property Address Street | XX | XX |  |  | The Property Address Street on the Note located on page 359 is XX | Initial |  |
| 394 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -13449 (Days) |  | The stated maturity date on the Note located on page 359 is 6/XX/2017. | Initial |  |
| 306 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The note has one borrower. | Initial |  |
| 306 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -4 (Days) |  | The note has a 12/XX/1998 first pay date. | Initial |  |
| 306 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note has no negative amortization. | Initial |  |
| 306 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -4 (Days) |  | The note has a 12/XX/1998 maturity date. | Initial |  |
| 306 | XX | XX | XX | XX | XX | Subject Property Type | Single Family |  |  |  | The appraisal shows a single family attached row house. | Initial |  |
| 385 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The first payment date per the Note is 12/XX/2002. | Initial |  |
| 385 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $0.14 | XX% | The Original Balance on the Note located on page 101 is $XX. | Initial |  |
| 385 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 65.729% | 65.730% | -0.001% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XX,XX. The LTV/CLTV is XX.XXX%. | Initial |  |
| 385 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 65.729% | 65.730% | -0.001% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XX,XX. The LTV/CLTV is XX.XXX%. | Initial |  |
| 385 | XX | XX | XX | XX | XX | Original Stated P&I | $552.47 | $0.00 | $552.47 |  | The Original P&I on the Note located on 101 is $552.47. | Initial |  |
| 385 | XX | XX | XX | XX | XX | Original Stated Rate | 11.81000% | 7.00000% | 4.81000% | XX% | The Original Stated Rate on the Note located on page 101 is 11.81%. | Initial |  |
| 385 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5392 (Days) |  | The stated maturity date on the Note located on page 122 is 11/XX/2017. | Initial |  |
| 200 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 85.970% | 14.030% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 200 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 85.970% | 14.030% | XX% | The LTV/OLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV/OLTV is XX.XXX%. | Initial |  |
| 200 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -2406 (Days) |  | The stated maturity date on the Note located on page 1937 is 6/XX/2035. | Initial |  |
| 297 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 9 (Days) |  | The Note located on page 90 reflects a first payment date as 1/XX/1999. | Initial |  |
| 297 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 297 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 30.488% | 80.790% | -50.302% | XX% | The LTV/CLTV is loan amount (XX,XX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 297 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 30.488% | 30.490% | -0.002% | XX% | The LTV/CLTV is loan amount (XX,XX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 297 | XX | XX | XX | XX | XX | Original Stated P&I | $281.44 | $308.67 | $-27.23 | XX% | The Original state P&I on the Note located on page 90 is 1$281.44. | Initial |  |
| 297 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -6290 (Days) |  | The stated maturity date on the Note located on page 90 is 12/XX/2028. | Initial |  |
| 322 | XX | XX | XX | XX | XX | Balloon Indicator | No | Yes |  |  | The Note located on page 615 reflects no balloon payment. | Initial |  |
| 322 | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | The name on the Note located on page 615 is verified as shown. Death Certificate found on page 3147. | Initial |  |
| 322 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -9 (Days) |  | The stated first payment date on the Note located on page 615 is 10/XX/2008. | Initial |  |
| 322 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 322 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $0.23 | XX% | The original loan amount on the Note located on page 615 is $XX | Initial |  |
| 322 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 75.222% | 75.220% | 0.002% | XX% | Rounding. | Initial |  |
| 322 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 75.222% | 75.220% | 0.002% | XX% | Rounding. | Initial |  |
| 322 | XX | XX | XX | XX | XX | Original Stated P&I | $839.48 | $0.00 | $839.48 |  | The original P&I payment on the Note located on page 615 is $839.48. | Initial |  |
| 322 | XX | XX | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |  |
| 322 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -281 (Days) |  | The stated maturity date on the Note located on page 615 is 9/XX/2038 | Initial |  |
| 129 | XX | XX | XX | XX | XX | Lender Doc Type | Full | UNKNOWN |  |  | The loan approval shows full documentation. | Initial |  |
| 129 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | N/A. | Initial |  |
| 129 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 57.209% | 57.210% | -0.001% | XX% | The XXX,XX note and XXX,XX appraisal support a XX.XXX% CLTV. | Initial |  |
| 129 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 57.209% | 57.210% | -0.001% | XX% | The XXX,XX note and XXX,XX appraisal support a XX.XXX% LTV. | Initial |  |
| 129 | XX | XX | XX | XX | XX | Original Stated P&I | $908.03 |  |  |  |  | Initial |  |
| 129 | XX | XX | XX | XX | XX | Representative Score | Unavailable |  |  |  |  | Initial |  |
| 119 | XX | XX | XX | XX | XX | Original Stated P&I | $628.08 |  |  |  |  | Initial |  |
| 119 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX |  |  | The maturity date is 2/XX/2034 | Initial |  |
| 286 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 286 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 286 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 286 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 286 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $33000.00 | XX% |  | Initial |  |
| 286 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 84.358% |  | XX% |  | Initial |  |
| 286 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 79.438% |  | XX% |  | Initial |  |
| 286 | XX | XX | XX | XX | XX | Original Stated P&I | $1538.80 |  |  |  |  | Initial |  |
| 286 | XX | XX | XX | XX | XX | Original Stated Rate | 7.74000% | 5.18400% |  | XX% |  | Initial |  |
| 352 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 12 (Days) |  | First payment date on the Note located on page 265 is 4/XX/2001. | Initial |  |
| 352 | XX | XX | XX | XX | XX | Property Address Street | XX | XX |  |  | The property address street on the Note located on page XXX is XX. Post closing documents located on page XXXX reflect updated property address street as XX | Initial |  |
| 352 | XX | XX | XX | XX | XX | Property City | XX | XX |  |  | The property city on the Note located on page 265 is XX. Post closing documents located on page 2144 reflect updated property city as XX. | Initial |  |
| 352 | XX | XX | XX | XX | XX | Property Postal Code | XX | XX |  |  | The property postal code on the Note located on page 265 is XX. Post closing documents located on page 2144 reflect updated postal code as XX. | Initial |  |
| 352 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -9212 (Days) |  | The Original Stated Rate on the Note located on page 265 is 3/XX/2031. | Initial |  |
| 121 | XX | XX | XX | XX | XX | Lien Priority Type | First [1] | Primary |  |  |  | Initial |  |
| 121 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 121 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 89.496% | 89.500% | -0.004% | XX% |  | Initial |  |
| 121 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 89.496% | 89.500% | -0.004% | XX% |  | Initial |  |
| 121 | XX | XX | XX | XX | XX | Sales Price (HUD-1 Line 101) | XX | XX |  |  |  | Initial |  |
| 374 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The note on page 709 has a 11/XX/2000 first pay date. | Initial |  |
| 374 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 709 has no negative amortization. | Initial |  |
| 374 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | The file is missing the appraisal. | Initial |  |
| 374 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | Unavailable | 100.000% |  |  | The file is missing the appraisal. | Initial |  |
| 374 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | Unavailable | 100.000% |  |  | The file is missing the appraisal. | Initial |  |
| 374 | XX | XX | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | The HUD shows a refinance transaction. | Initial |  |
| 374 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -6 (Days) |  | The note on page 709 has a 10/XX/2030 maturity date. | Initial |  |
| 374 | XX | XX | XX | XX | XX | Subject Property Type | Single Family | Manufactured Housing |  |  | The BPO on page 573 shows a single family home. | Initial |  |
| 320 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -9 (Days) |  | The Note located on page 119 reflects First PaymentDate 9/XX/2008. | Initial |  |
| 320 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The Note located on page 119 does not reflect potential negative amortization. | Initial |  |
| 320 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-25813.00 | XX% | The Note located on page 119 reflects Original Balance $XX | Initial |  |
| 320 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 78.256% | 90.150% | -11.894% | XX% | The LTV/CLTV is loan amount XXX,XXX divided by value used by lender XXX,XX. The LTV/CLTV is XX.XXX%. | Initial |  |
| 320 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 78.256% | 90.150% | -11.894% | XX% | The LTV/CLTV is loan amount XXX,XXX divided by value used by lender XXX,XX. The LTV/CLTV is XX.XXX%.&#xXD; | Initial |  |
| 320 | XX | XX | XX | XX | XX | Original Stated P&I | $1633.00 | $0.00 | $1633.00 |  | The Note located on page 119 reflects Original Stated P&I $1,633. | Initial |  |
| 320 | XX | XX | XX | XX | XX | Original Stated Rate | 11.12300% | 7.00000% | 4.12300% | XX% | The Note located on page 119 reflects Original Stated Rate 11.123%. | Initial |  |
| 320 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 598 (Days) |  | The Note located on page 119 reflects Maturity Date 8/XX/2038. | Initial |  |
| 320 | XX | XX | XX | XX | XX | Subject Property Type | Manufactured Housing | Single Family |  |  | The appraisal report located on page 1450 reflects property type as Manufactured Home. | Initial |  |
| 288 | XX | XX | XX | XX | XX | Borrower #2 First Name | XX | XX |  |  |  | Initial |  |
| 288 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 288 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 288 | XX | XX | XX | XX | XX | Property Address Street | XX | XX |  |  | The Appraisal on page 63 reflects property address as XX | Initial |  |
| 381 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -4 (Days) |  | The note on page 304 shows a 10/XX/2004 first pay date. | Initial |  |
| 381 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 304 shows no negative amortization. | Initial |  |
| 381 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 73.529% | 73.530% | -0.001% | XX% | The XX,XX note and XX,XX appraisal support a XX.XXX% CLTV. | Initial |  |
| 381 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 73.529% | 73.530% | -0.001% | XX% | The XX,XX note and XX,XX appraisal support a XX.XXX% LTV. | Initial |  |
| 381 | XX | XX | XX | XX | XX | Original Stated P&I | $594.04 | $0.00 | $594.04 |  | The note on page 304 shows a $594.04 PI payment. | Initial |  |
| 381 | XX | XX | XX | XX | XX | Original Stated Rate | 11.79000% | 7.00000% | 4.79000% | XX% | The note on page 304 shows a 11.790% rate. | Initial |  |
| 381 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5055 (Days) |  | The note on page 304 shows a 9/XX/2024 maturity date. | Initial |  |
| 417 | XX | XX | XX | XX | XX | Balloon Indicator | Yes | No |  |  | The loan type per the original Note is a Balloon ARM. | Initial |  |
| 417 | XX | XX | XX | XX | XX | Original Stated Rate | 8.55000% | 9.25000% | -0.70000% | XX% | The original interest rate per the ARM Note is 8.550%. | Initial |  |
| 417 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -18751 (Days) |  | The original maturity date per the Note is 10/XX/2009. Source of tape value is the modification. | Initial |  |
| 123 | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | The note on page 100 shows the co-borrower name as XX at origination with no death certificate in the file. | Initial |  |
| 123 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $18000.00 | XX% | The loan file is missing the appraisal. | Initial |  |
| 123 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 93.933% | 117.750% | -23.817% | XX% | The XX,XXX note and XX,XX appraised value from the approval on page X of the file support a XX.XXX% CLTV. | Initial |  |
| 123 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 93.933% | 0.000% | 93.933% | XX% | The XX,XXX note and XX,XX appraised value from the approval on page X of the file support a XX.XXX% LTV. | Initial |  |
| 123 | XX | XX | XX | XX | XX | Original Stated P&I | $741.69 | $0.00 | $741.69 |  | The note on page 100 shows a PI payment of $741.69. | Initial |  |
| 123 | XX | XX | XX | XX | XX | Original Stated Rate | 10.13000% | 7.90000% | 2.23000% | XX% | The note on page 100 shows a rate of 10.130%. | Initial |  |
| 290 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 290 | XX | XX | XX | XX | XX | Original Stated P&I | $686.72 | $0.00 | $686.72 |  | Original Stated P&I per Note located on page 405 is $686.72 | Initial |  |
| 290 | XX | XX | XX | XX | XX | Original Stated Rate | 11.85000% | 7.00000% | 4.85000% | XX% | Original Stated Rate on Note located on page 405 is 11.850 | Initial |  |
| 290 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -11900 (Days) |  | The stated maturity date on the Note located on page 405 is 1/XX/2009. | Initial |  |
| 59 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 9 (Days) |  | First Payment Date on Note located on page 866 is 5/XX/2001. | Initial |  |
| 59 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 59 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $-18000.00 | XX% | The Original Appraised Value on Appraisal located on page 91 is $XX | Initial |  |
| 59 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.41 | XX% | The Original Balance on Note located on page 866 is XX | Initial |  |
| 59 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 107.817% | 90.490% | 17.327% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XXX.XXX%. | Initial |  |
| 59 | XX | XX | XX | XX | XX | Original Note Doc Date | XX | XX | -4 (Days) |  | The date on the Note located on page 866 is 4/XX/2001. | Initial |  |
| 59 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 107.817% | 90.490% | 17.327% | XX% | The LTV/OLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/OLTV is XXX.XXX%. | Initial |  |
| 59 | XX | XX | XX | XX | XX | Original Stated Rate | 10.78700% | 6.33600% | 4.45100% | XX% | The Original Stated Rate on Note located on page 866 is 10.78700%. | Initial |  |
| 59 | XX | XX | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |  |
| 59 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -174 (Days) |  | The stated maturity date on the Note located on page 866 is 4/XX/2031. | Initial |  |
| 308 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The Note reflects one borrower. | Initial |  |
| 308 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -6 (Days) |  | The first payment date on the Note located on page 231 is 8/XX/2006. | Initial |  |
| 308 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 308 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.47 | XX% | The original loan amount on the Note located on page 231 is $XX. | Initial |  |
| 308 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 79.992% | 79.990% | 0.002% | XX% | Rounding. | Initial |  |
| 308 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 79.992% | 79.990% | 0.002% | XX% | Rounding. | Initial |  |
| 308 | XX | XX | XX | XX | XX | Original Stated P&I | $590.67 | $0.00 | $590.67 |  | The original P&I payment on the Note located on page 231 is $590.67. | Initial |  |
| 308 | XX | XX | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |  |
| 308 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 2064 (Days) |  | The stated maturity date on the Note located on page 231 is 7/XX/2036. | Initial |  |
| 364 | XX | XX | XX | XX | XX | Balloon Indicator | No | Yes |  |  | The balloon indicator is no found on the note on page 2036. | Initial |  |
| 364 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 364 | XX | XX | XX | XX | XX | Borrower Last Name | XX | XX |  |  | The borrower last name is XX found on the note on page 2036. | Initial |  |
| 364 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The first payment date is 12/XX/2000 found on the note on page XX. | Initial |  |
| 364 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 364 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.12 | XX% | The Original Balance on the Note located on page 2036 is $XX | Initial |  |
| 364 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 81.903% | 81.900% | 0.003% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XX,XX. The LTV/CLTV is XX.XXX%. | Initial |  |
| 364 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 81.903% | 81.900% | 0.003% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XX,XX. The LTV/CLTV is XX.XXX%. | Initial |  |
| 364 | XX | XX | XX | XX | XX | Original Stated P&I | $707.22 | $0.00 | $707.22 |  | The Original P&I on the Note located on 2036 is $707.22. | Initial |  |
| 364 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -1282 (Days) |  | The stated maturity date on the Note located on page 2036 is 11/XX/2030. | Initial |  |
| 287 | XX | XX | XX | XX | XX | Borrower #2 First Name | XX | XX |  |  | Confirmed Estate of XX per death certificate on pg. 696. | Initial |  |
| 287 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | Confirmed last name of borrower # 2 from Note, pg. 378. | Initial |  |
| 287 | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | Confirmed Estate of XX per death certificate on pg. 706. | Initial |  |
| 287 | XX | XX | XX | XX | XX | Borrower Last Name | XX | XX |  |  | Confirmed last name of borrower #1 from Note, pg. 378. | Initial |  |
| 287 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 339 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -6 (Days) |  | The first payment date on the Note located on page 518 is 6/XX/2000. | Initial |  |
| 339 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-5881.19 | XX% | The original loan amount on the Note located on page 518 is $XX | Initial |  |
| 339 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 106.610% | 113.610% | -7.000% | XX% | The CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The CLTV is XXX.XXX%. | Initial |  |
| 339 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 106.610% | 113.610% | -7.000% | XX% | The LTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV is XXX.XXX%.&#xXD; | Initial |  |
| 339 | XX | XX | XX | XX | XX | Original Stated P&I | $1222.76 | $0.00 | $1222.76 |  | The original P&I payment on the Note located on page 518 is $1,222.76. | Initial |  |
| 339 | XX | XX | XX | XX | XX | Original Stated Rate | 14.49800% | 7.00000% | 7.49800% | XX% | The original interest rate on the Note located on page 518 is 14.498%. | Initial |  |
| 339 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -4239 (Days) |  | The stated maturity date on the Note located on page 518 is 5/XX/2015. | Initial |  |
| 332 | XX | XX | XX | XX | XX | Balloon Indicator | No | Yes |  |  | The Note located on page 851 does not reflect Balloon payment. | Initial |  |
| 332 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -3 (Days) |  | The Note located on page 851 reflects First Payment 9/XX/2003. | Initial |  |
| 332 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-11475.48 | XX% | The Note located on page 851 reflects Original Balance $XX | Initial |  |
| 332 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 104.998% | 113.080% | -8.082% | XX% | The CLTV is loan amount XXX,XXX.XX divided by value used by lender XXX,XX. The CLTV is XXX.XXX%. | Initial |  |
| 332 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 104.998% | 113.080% | -8.082% | XX% | The LTV is loan amount XXX,XXX.XX divided by value used by lender XXX,XX. The LTV is XXX.XXX%. &#xXD; | Initial |  |
| 332 | XX | XX | XX | XX | XX | Original Stated P&I | $1256.45 | $0.00 | $1256.45 |  | The Note located on page 851 reflects Stated P&I $1,256.45. | Initial |  |
| 332 | XX | XX | XX | XX | XX | Original Stated Rate | 8.97000% | 1.97000% | 7.00000% | XX% | The Note located on page 851 reflects Stated Rate 8.97%. | Initial |  |
| 332 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -9226 (Days) |  | The Note located on page 851 reflects Maturity Date 8/XX/2033. | Initial |  |
| 372 | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | The borrower first name per the Note is XX. | Initial |  |
| 372 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -3 (Days) |  | The first payment date per the TIL is 5/XX/2000. | Initial |  |
| 372 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 119.250% | -19.250% | XX% | The LTV/CLTV is loan amount (XXX,XXX.) divided by value used by lender (XXX,XXX.). The LTV/CLTV is XXX.XX% (up to X decimals). | Initial |  |
| 372 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 119.250% | -19.250% | XX% | The LTV/CLTV is loan amount (XXX,XXX.) divided by value used by lender (XXX,XXX.). The LTV/CLTV is XXX.XX% (up to X decimals). | Initial |  |
| 372 | XX | XX | XX | XX | XX | Original Stated P&I | $1306.12 | $0.00 | $1306.12 |  | The original stated P & I is $1,306.12. | Initial |  |
| 372 | XX | XX | XX | XX | XX | Original Stated Rate | 10.47300% | 5.00000% | 5.47300% | XX% | The original stated rate per the TIL is 10.473%. | Initial |  |
| 372 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -3 (Days) |  | The stated maturity date per the TIL is 4/XX/2030. | Initial |  |
| 373 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -7 (Days) |  | The first payment date is 11/XX/2000 found on the note on page 315. | Initial |  |
| 373 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 373 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  |  | Initial |  |
| 373 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-11338.20 | XX% | The original balance is $XX found on the note on page 315. | Initial |  |
| 373 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 105.233% | 125.120% | -19.887% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XX,XX. The LTV/CLTV is XXX.XXX%. | Initial |  |
| 373 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 105.233% | 125.120% | -19.887% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XX,XX. The LTV/CLTV is XXX.XXX%. | Initial |  |
| 373 | XX | XX | XX | XX | XX | Original Stated P&I | $618.75 | $0.00 | $618.75 |  | The original stated P&I is $618.75 found on the note on page 315. | Initial |  |
| 373 | XX | XX | XX | XX | XX | Original Stated Rate | 10.99000% | 7.00000% | 3.99000% | XX% | The original stated rate is 10.99% found on the note on page 315. | Initial |  |
| 373 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -2685 (Days) |  | The stated maturity date is 10/XX/2020 found on the note on page 315. | Initial |  |
| 197 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 197 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 197 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 197 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  | Verified per note reflect occupancy at origination is a primary residence | Initial |  |
| 197 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $60000.00 | XX% | The Audit Value reflects the appraised value. The Data provided is the desk review appraisal value. | Initial |  |
| 197 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 90.000% | 62.682% |  | XX% | Review of the 1008, page 1491, reflects the LTV of 90%. | Initial |  |
| 197 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 90.000% | 123.135% |  | XX% | Review of the 1008, page 1491, reflects the LTV of 90%. | Initial |  |
| 197 | XX | XX | XX | XX | XX | Original Stated P&I | $1354.02 |  |  |  |  | Initial |  |
| 197 | XX | XX | XX | XX | XX | Original Stated Rate | 7.75000% | 2.00000% |  | XX% | The original stated rate is 7.75% | Initial |  |
| 197 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -7397 (Days) |  | The maturity date was 5/XX/2035 per the Note. | Initial |  |
| 405 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -7 (Days) |  | The First Payment Date on the Note is 6/XX/2006. | Initial |  |
| 405 | XX | XX | XX | XX | XX | Original Stated P&I | $1332.79 | $0.00 | $1332.79 |  | The Original P&I on the Note located on 188 is $1332.79 | Initial |  |
| 405 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -7 (Days) |  | The stated maturity date on the Note located on page 188 is 5/XX/2036 | Initial |  |
| 274 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The note has one borrower. | Initial |  |
| 274 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note has no negative amortization. | Initial |  |
| 274 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $56000.00 | XX% | The appraisal value is $XX | Initial |  |
| 274 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 125.700% | -25.700% | XX% | The XX,XX note and XX,XX sales contract price support a XXX% CLTV. | Initial |  |
| 274 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 125.700% | -25.700% | XX% | The XX,XX note and XX,XX sales contract price support a XXX% LTV. | Initial |  |
| 274 | XX | XX | XX | XX | XX | Original Stated Rate | 11.99000% | 5.25000% | 6.74000% | XX% | The note rate is 11.99%. | Initial |  |
| 274 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -6451 (Days) |  | The note matures on 11/XX/2036. | Initial |  |
| 421 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 421 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 341 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The first payment date on the Note located on 295 is 03/XX/2001. | Initial |  |
| 341 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-87253.35 | XX% | The Original Balance on the Note located on page 295 is XX. | Initial |  |
| 341 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 107.492% | 172.120% | -64.628% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.). The LTV/CLTV is XXX.XXX% (up to X decimals)). | Initial |  |
| 341 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 107.492% | 172.120% | -64.628% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.). The LTV/CLTV is XXX.XXX% (up to X decimals)). | Initial |  |
| 341 | XX | XX | XX | XX | XX | Original Stated P&I | $1516.59 | $0.00 | $1516.59 |  | The Original P&I on the Note located on 295 is $1516.59. | Initial |  |
| 341 | XX | XX | XX | XX | XX | Original Stated Rate | 11.89000% | 7.00000% | 4.89000% | XX% | The Original Stated Rate on the Note located on page 295 is 11.89. | Initial |  |
| 341 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -7764 (Days) |  | The stated maturity date on the Note located on page 295 is 2/XX/2026. | Initial |  |
| 361 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The Note reflects one borrower. | Initial |  |
| 361 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 15 (Days) |  | The first payment date on the Note located on 504 is $11/XX/2001. | Initial |  |
| 361 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 361 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-46989.23 | XX% | The Original Balance on the Note located on page 504 is $XX. | Initial |  |
| 361 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 107.816% | 184.850% | -77.034% | XX% | The CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX). The CLTV is XXX.XXX%. | Initial |  |
| 361 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 107.816% | 184.850% | -77.034% | XX% | The LTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX). The LTV is XXX.XXX%.&#xXD; | Initial |  |
| 361 | XX | XX | XX | XX | XX | Original Stated P&I | $603.79 | $0.00 | $603.79 |  | The Original P&I on the Note located on page 504 is $603.79. | Initial |  |
| 361 | XX | XX | XX | XX | XX | Original Stated Rate | 10.64400% | 7.00000% | 3.64400% | XX% | The Original Stated Rate on the Note located on page 504 is 10.644%. | Initial |  |
| 361 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -2300 (Days) |  | The stated maturity date on the Note located on page 504 is 10/XX/2031. | Initial |  |
| 425 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 253 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 253 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 253 | XX | XX | XX | XX | XX | Borrower #2 First Name | XX |  |  |  |  | Initial |  |
| 253 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX |  |  |  |  | Initial |  |
| 253 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 253 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 253 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 253 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  |  | Initial |  |
| 253 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | Unavailable | 43.092% |  |  |  | Initial |  |
| 253 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | Unavailable | 38.593% |  |  |  | Initial |  |
| 253 | XX | XX | XX | XX | XX | Original Stated P&I | $2524.26 |  |  |  |  | Initial |  |
| 253 | XX | XX | XX | XX | XX | Original Stated Rate | 8.25000% | 5.20395% |  | XX% |  | Initial |  |
| 253 | XX | XX | XX | XX | XX | Subject Property Type | Low Rise Condo (1-4 Stories) | Condo |  |  |  | Initial |  |
| 307 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The stated first payment date on the Note located on page 213 is 7/XX/2006. | Initial |  |
| 307 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 307 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.13 | XX% | The loan amount on the Note located on page 213 is $XX | Initial |  |
| 307 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 79.915% | 79.920% | -0.005% | XX% | Rounding. | Initial |  |
| 307 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 79.915% | 79.920% | -0.005% | XX% | Rounding. | Initial |  |
| 307 | XX | XX | XX | XX | XX | Original Stated P&I | $477.02 | $0.00 | $477.02 |  | The initial P&I payment on the Note located on page 213 is $477.02. | Initial |  |
| 307 | XX | XX | XX | XX | XX | Original Stated Rate | 11.78000% | 11.18000% | 0.60000% | XX% | The stated contract rate on the Note located on page 213 is 11.780%. | Initial |  |
| 307 | XX | XX | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |  |
| 307 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5 (Days) |  | The stated maturity date on the Note located on page 213 is 6/XX/2036. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -3106 (Days) |  | The stated maturity date per the Note is 5/XX/2022. | Initial |  |
| 403 | XX | XX | XX | XX | XX | Balloon Indicator | No | Yes |  |  | The Note located on page 305 does not reflect a balloon payment. | Initial |  |
| 403 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 30 (Days) |  | The Note located on page 305 reflects a first payment date of 5/XX/2005. | Initial |  |
| 403 | XX | XX | XX | XX | XX | Interest Only Period? | Yes | No |  |  | The Note located on page 305 reflects a Interest Only Period. | Initial |  |
| 403 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $23333.00 | XX% | The Original Balance on the Note located on page 305 is $XX | Initial |  |
| 403 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 90.979% | 73.390% | 17.589% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX/XX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV/CLTV is XX.XXX%/XX.XXX%. | Initial |  |
| 403 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 72.784% | 73.390% | -0.606% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX/XX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV/CLTV is XX.XXX%/XX.XXX%. | Initial |  |
| 403 | XX | XX | XX | XX | XX | Original Stated Rate | 6.60000% | 5.00000% | 1.60000% | XX% | The Note located on page 305 has a Interest Rate of 6.600%. | Initial |  |
| 403 | XX | XX | XX | XX | XX | Sales Price (HUD-1 Line 101) | XX | XX | $35000.00 | XX% | The HUD located on page 832 reflects a sales price of $XX | Initial |  |
| 403 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -8036 (Days) |  | The stated maturity date on the Note located on page 305 is 4/XX/2035. | Initial |  |
| 403 | XX | XX | XX | XX | XX | Subject Property Type | PUD | Single Family |  |  | Appraisal located on page 2705 reflects property type PUD. | Initial |  |
| 144 | XX | XX | XX | XX | XX | Lender Doc Type | Full Documentation | UNKNOWN |  |  |  | Initial |  |
| 144 | XX | XX | XX | XX | XX | Lien Priority Type | First [1] | 1ST LIEN |  |  |  | Initial |  |
| 144 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 144 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY / OWNER OCCUPIED |  |  |  | Initial |  |
| 144 | XX | XX | XX | XX | XX | Original Stated P&I | $774.20 | $616.25 | $157.95 | XX% |  | Initial |  |
| 83 | XX | XX | XX | XX | XX | Next Pay Change Date | 10/1/2024 | 4/1/2024 | 183 (Days) |  | The Note located on page 97 reflects a first payment date of 10/1/24. | Initial |  |
| 83 | XX | XX | XX | XX | XX | Next Rate Change Date | 9/1/2024 | 3/1/2024 | 184 (Days) |  | The Note located on page 97 reflects a next rate change date of 9/1/1998. | Initial |  |
| 83 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  |  | Initial |  |
| 83 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | Unavailable | 54.690% |  |  |  | Initial |  |
| 83 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | Unavailable | 21.240% |  |  |  | Initial |  |
| 79 | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | The name on the Note located on page 1688 is XX. Death Certificate found on page 5 | Initial |  |
| 79 | XX | XX | XX | XX | XX | Original Stated Rate | 8.75000% | 5.00000% | 3.75000% | XX% | The original stated rate per the Note is 8.750%. | Initial |  |
| 79 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -2191 (Days) |  | The stated maturity date on the Note located on page 1688 is 6/XX/2024. | Initial |  |
| 284 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 284 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 284 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 284 | XX | XX | XX | XX | XX | Lender Doc Type | Full Documentation | FULL |  |  | Lender doc type is Fulldocumentaiton. | Initial |  |
| 284 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 284 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  | Occupancy at origiantion is Primary. | Initial |  |
| 284 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $25000.00 | XX% | The originsal appraisal value is $XX | Initial |  |
| 284 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 84.219% |  | XX% | Loan amount XXX,XX, value XXX,XX nd CLTV XXX.XX%. | Initial |  |
| 284 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 76.362% |  | XX% | Loan amount XXX,XX, value XXX,XX nd CLTV XXX.XX%. | Initial |  |
| 284 | XX | XX | XX | XX | XX | Original Stated P&I | $1446.67 |  |  |  |  | Initial |  |
| 284 | XX | XX | XX | XX | XX | Original Stated Rate | 7.85000% | 5.85000% |  | XX% | The Note rate 7.85%. | Initial |  |
| 427 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note has no negative amortization. | Initial |  |
| 427 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 71.605% | 71.600% | 0.005% | XX% | The XX,XX note and XX,XX appraisal support a XX.XXX% CLTV. | Initial |  |
| 427 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 71.605% | 71.600% | 0.005% | XX% | The XX,XX note and XX,XX appraisal support a XX.XXX% LTV. | Initial |  |
| 348 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -8 (Days) |  | The first payment date per the Note is 11/XX/2002. | Initial |  |
| 348 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 348 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -12244 (Days) |  | The stated maturity date per the note is 10/XX/2022. | Initial |  |
| 321 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The note on page 64 has a 10/XX/2008 first pay date. | Initial |  |
| 321 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 64 has no negative amortization. | Initial |  |
| 321 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 99.211% | 99.210% | 0.001% | XX% | The XX,XXX note and XX,XX appraisal support a XX.XXX% CLTV. | Initial |  |
| 321 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 99.211% | 99.210% | 0.001% | XX% | The XX,XXX note and XX,XX appraisal support a XX.XXX% LTV. | Initial |  |
| 321 | XX | XX | XX | XX | XX | Original Stated P&I | $765.20 | $0.00 | $765.20 |  | The note on page 64 has a $765.20 PI payment. | Initial |  |
| 321 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 1030 (Days) |  | The note on page 64 has a 9/XX/2038 maturity date. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  |  | Initial |  |
| 391 | XX | XX | XX | XX | XX | ARM Index Type | LIBOR - 6 month WSJ |  |  |  | The note index is the WSJ 6 month LIBOR. | Initial |  |
| 391 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The note has one borrower. | Initial |  |
| 391 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 87.387% | 87.390% | -0.003% | XX% | The XX,XXX note and XX,XXX appraisal support a XX.XXX% CLTV. | Initial |  |
| 391 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 87.387% | 87.390% | -0.003% | XX% | The XX,XXX note and XX,XXX appraisal support a XX.XXX% LTV. | Initial |  |
| 396 | XX | XX | XX | XX | XX | Borrower First Name | XX | XX |  |  | The name on the Note located on page 331 is XX. Death Certificate found on page 320. | Initial |  |
| 396 | XX | XX | XX | XX | XX | Original Stated P&I | $476.08 | $0.00 | $476.08 |  | The Original stated P&I on the Note located on page 331 is $476.08. | Initial |  |
| 396 | XX | XX | XX | XX | XX | Original Stated Rate | 10.75000% | 5.00000% | 5.75000% | XX% | The Original stated Rate on the Note located on page 331 is 10.750%. | Initial |  |
| 396 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -4383 (Days) |  | The stated maturity date on the Note located on page 331 is 4/XX/2034. | Initial |  |
| 396 | XX | XX | XX | XX | XX | Subject Property Type | Manufactured Housing | Single Family |  |  | According to the Appraisal, subject property type is Manufactured Housing. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 11 (Days) |  | The first payment date per the Note is 6/XX/2008. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $31333.31 | XX% | The original balance per the Note is $XX | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 64.520% | 35.480% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XXX.XX. The LTV/CLTV isXXX.XX% (up to X decimals). | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 64.520% | 35.480% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XXX.XX. The LTV/CLTV isXXX.XX% (up to X decimals). | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Stated P&I | $1107.67 | $0.00 | $1107.67 |  | The original stated P & I per the Note is $1,107.67. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Stated Rate | 10.25000% | 7.00000% | 3.25000% | XX% | The original stated rate per the Note is 10.250%. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -6809 (Days) |  | The stated maturity date per the Note is 5/XX/2018. | Initial |  |
| 316 | XX | XX | XX | XX | XX | Original Stated P&I | $1400.94 | $0.00 | $1400.94 |  | The Note located on page 28 has a PITI of $1400.94. | Initial |  |
| 316 | XX | XX | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |  |
| 316 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -1347 (Days) |  | The stated maturity date on the Note located on page 28 is 3/XX/2033. | Initial |  |
| 323 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 323 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The first payment date is 11/XX/2008 found on the note on page 2906. | Initial |  |
| 323 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 323 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-81400.95 | XX% | The original balance is $XX found on the note on page 2906. | Initial |  |
| 323 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 94.042% | 184.490% | -90.448% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XX,XX. The LTV/CLTV is XX.XXX%. | Initial |  |
| 323 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 94.042% | 184.490% | -90.448% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XX,XX. The LTV/CLTV is XX.XXX%. | Initial |  |
| 323 | XX | XX | XX | XX | XX | Original Stated P&I | $872.24 | $0.00 | $872.24 |  | The original stated P&I is $872.24 found on the note on page 2906. | Initial |  |
| 323 | XX | XX | XX | XX | XX | Original Stated Rate | 11.85500% | 7.00000% | 4.85500% | XX% | The original stated rate is 11.855% found on the note on page 2906. | Initial |  |
| 323 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -9684 (Days) |  | The stated maturity date is 10/XX/2035 found on the note on page 2906. | Initial |  |
| 333 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -11 (Days) |  | The note on page 28 shows a 11/XX/1999 first pay date. | Initial |  |
| 333 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 28 shows no negative amortization. | Initial |  |
| 333 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 114.594% | 114.590% | 0.004% | XX% | The XX,XXX note and XX,XX appraisal support a XXX.XXX% CLTV. | Initial |  |
| 333 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 114.594% | 114.590% | 0.004% | XX% | The XX,XXX note and XX,XX appraisal support a XXX.XXX% LTV. | Initial |  |
| 333 | XX | XX | XX | XX | XX | Original Stated P&I | $553.76 | $0.00 | $553.76 |  | The note on page 28 shows a $553.76 PI payment. | Initial |  |
| 333 | XX | XX | XX | XX | XX | Original Stated Rate | 11.99400% | 5.12500% | 6.86900% | XX% | The note on page 28 shows a 11.994% rate. | Initial |  |
| 333 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -468 (Days) |  | The note on page 28 shows a 10/XX/2029 maturity date. | Initial |  |
| 355 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -4 (Days) |  | The note on page 247 has a 4/XX/2001 first pay date. | Initial |  |
| 355 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 247 has no negative amortization. | Initial |  |
| 355 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-53197.00 | XX% | The note on page 247 has a $XX balance. | Initial |  |
| 355 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 118.248% | 161.150% | -42.902% | XX% | The XXX,XXX note and XXX,XX appraisal support a XXX.XXX% CLTV. | Initial |  |
| 355 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 118.248% | 161.150% | -42.902% | XX% | The XXX,XXX note and XXX,XX appraisal support a XXX.XXX% LTV. | Initial |  |
| 355 | XX | XX | XX | XX | XX | Original Stated P&I | $1414.44 | $0.00 | $1414.44 |  | The note on page 247 has a $1,414.44 PI payment. | Initial |  |
| 355 | XX | XX | XX | XX | XX | Original Stated Rate | 11.16300% | 5.00000% | 6.16300% | XX% | The note on page 247 has a 11.163% contract rate. | Initial |  |
| 355 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -9320 (Days) |  | The note on page 247 has a 3/XX/2031 maturity date. | Initial |  |
| 406 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -3 (Days) |  | The first payment date per the Note is 8/XX/2006. | Initial |  |
| 406 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-24774.00 | XX% | The Original Balance on the Note located on page 532 is $XX. | Initial |  |
| 406 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 99.919% | 120.040% | -20.121% | XX% | The LTV/CLTV is loan amount XXX,XXdivided by value used by lender XXX,XX The LTV/CLTV is XX.XXX%&#xXD; | Initial |  |
| 406 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 99.919% | 120.040% | -20.121% | XX% | The LTV/CLTV is loan amount XXX,XXdivided by value used by lender XXX,XX The LTV/CLTV is XX.XXX% | Initial |  |
| 406 | XX | XX | XX | XX | XX | Original Stated P&I | $1096.73 | $0.00 | $1096.73 |  | The Original P&I on the Note located on page 532 is $1096.73 | Initial |  |
| 406 | XX | XX | XX | XX | XX | Original Stated Rate | 10.19000% | 7.00000% | 3.19000% | XX% | The Original Stated Rate on the Note located on page 532 is 10.190% | Initial |  |
| 406 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -3 (Days) |  | The stated maturity date on the Note located on page 532 is 7/XX/2036. | Initial |  |
| 392 | XX | XX | XX | XX | XX | Balloon Indicator | Yes | No |  |  | The Note located on page 254 reflects a balloon payment. | Initial |  |
| 392 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 13 (Days) |  | The First Payment Date on the Note located on page 254 is 12/XX/2001. | Initial |  |
| 392 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 392 | XX | XX | XX | XX | XX | Original Stated P&I | $745.07 | $0.00 | $745.07 |  | The Original Stated P&I on the Note located on page 254 is $745.07. | Initial |  |
| 392 | XX | XX | XX | XX | XX | Original Stated Rate | 8.20000% | 3.75000% | 4.45000% | XX% | The Original Stated Rate on the Note located on page 254 is 8.20000%. | Initial |  |
| 392 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -6895 (Days) |  | The stated maturity date on the Note located on page 254 is 11/XX/2016. | Initial |  |
| 413 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 413 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 413 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 96.604% | 96.600% | 0.004% | XX% | The LTV/CLTV is loan amount XX,XXX divided by value used by lender$ XX,XX. The LTV/CLTV is XX.XXX% | Initial |  |
| 413 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 96.604% | 96.600% | 0.004% | XX% | The LTV/CLTV is loan amount XX,XXX divided by value used by lender$ XX,XX. The LTV/CLTV is XX.XXX%&#xXD; | Initial |  |
| 413 | XX | XX | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Per the HUD on page 253, the purpose of transaction is a refinance. | Initial |  |
| 328 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 11 (Days) |  | The note on page 109 has a 1/XX/2009 first pay date. | Initial |  |
| 328 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 109 has no negative amortization. | Initial |  |
| 328 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-27305.50 | XX% | The note on page 111 has a $XX balance. | Initial |  |
| 328 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 87.160% | 111.980% | -24.820% | XX% | The XX,XXX.XX note and XXX,XX appraisals support a XX.XXX% CLTV. | Initial |  |
| 328 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 87.160% | 111.980% | -24.820% | XX% | The XX,XXX.XX note and XXX,XX appraisals support a XX.XXX% LTV. | Initial |  |
| 328 | XX | XX | XX | XX | XX | Original Stated P&I | $833.24 | $0.00 | $833.24 |  | The note on page 109 has a $833.24 PI payment. | Initial |  |
| 328 | XX | XX | XX | XX | XX | Original Stated Rate | 9.88500% | 7.00000% | 2.88500% | XX% | The note on page 111 has a 9.885% rate. | Initial |  |
| 328 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -6503 (Days) |  | The note on page 109 has a 12/XX/2038 maturity date. | Initial |  |
| 416 | XX | XX | XX | XX | XX | Original Stated P&I | $810.14 | $0.00 | $810.14 |  | The original stated P&I on the Note located on page 286 is $810.14. | Initial |  |
| 416 | XX | XX | XX | XX | XX | Original Stated Rate | 7.85000% | 4.87500% | 2.97500% | XX% | The original stated rate on the Note located on page 286 is 7.85%. | Initial |  |
| 416 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -9223 (Days) |  | The stated maturity date on the Note located on page 286 is 6/XX/2029. | Initial |  |
| 429 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | Borrower #2 name obtained from signature on the Note. | Initial |  |
| 429 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 8 (Days) |  | First payment date per Note on pg. 3541 is 5/XX/1999. | Initial |  |
| 429 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 58.974% | 20.160% | 38.814% | XX% | The LTV/CLTV is loan amount XX,XX divided by value used by lender XX,XX. The LTV/CLTV is XX.XXX. | Initial |  |
| 429 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 58.974% | 20.160% | 38.814% | XX% | The LTV/CLTV is loan amount XX,XX divided by value used by lender XX,XX. The LTV/CLTV is XX.XXX. | Initial |  |
| 429 | XX | XX | XX | XX | XX | Original Stated P&I | $459.05 | $0.00 | $459.05 |  | Original stated P&I per Note on pg. 3541 is $450.32. | Initial |  |
| 429 | XX | XX | XX | XX | XX | Original Stated Rate | 11.60000% | 9.87500% | 1.72500% | XX% | Original stated rate per Note on pg. 3541 is 11.600%. | Initial |  |
| 429 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -2001 (Days) |  | The stated maturity date on the Note located on page 3541 is 4/XX/2029. | Initial |  |
| 345 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The note on page 222 shows the co-borrower name is XX. | Initial |  |
| 345 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -3 (Days) |  | The note on page 222 shows a 8/XX/2001 first pay date. | Initial |  |
| 345 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 222 shows no negative amortization. | Initial |  |
| 345 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 114.372% | 114.370% | 0.002% | XX% | The XXX,XXX note and XXX,XX appraisal support a XXX.XXX% CLTV. | Initial |  |
| 345 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 114.372% | 114.370% | 0.002% | XX% | The XXX,XXX note and XXX,XX appraisal support a XXX.XXX% LV. | Initial |  |
| 345 | XX | XX | XX | XX | XX | Original Stated P&I | $1648.50 | $0.00 | $1648.50 |  | The note on page 222 shows a $1,648.50 PI payment. | Initial |  |
| 345 | XX | XX | XX | XX | XX | Original Stated Rate | 11.28400% | 1.97900% | 9.30500% | XX% | The note on page 222 shows a 11.284% rate. | Initial |  |
| 345 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 300 (Days) |  | The note on page 222 shows a 7/XX/2031 maturity date. | Initial |  |
| 349 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The note on page 213 has one borrower. | Initial |  |
| 349 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -6 (Days) |  | The note on page 213 has a 10/XX/2000 first pay date. | Initial |  |
| 349 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 213 has no negative amortization. | Initial |  |
| 349 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-51642.25 | XX% | The note on page 213 has a $XX balance. | Initial |  |
| 349 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 102.425% | 155.120% | -52.695% | XX% | The XXX,XXX.XX note and XX,XX appraisal support a XXX.XXX% CLTV. | Initial |  |
| 349 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 102.425% | 155.120% | -52.695% | XX% | The XXX,XXX.XX note and XX,XX appraisal support a XXX.XXX% LTV. | Initial |  |
| 349 | XX | XX | XX | XX | XX | Original Stated P&I | $1169.37 | $0.00 | $1169.37 |  | The note on page 213 has a $1,169.37 PI payment. | Initial |  |
| 349 | XX | XX | XX | XX | XX | Original Stated Rate | 13.74800% | 5.00000% | 8.74800% | XX% | The note on page 213 has a 13.748% rate. | Initial |  |
| 349 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -1040 (Days) |  | The note on page 213 has a 9/XX/2030 maturity date. | Initial |  |
| 94 | XX | XX | XX | XX | XX | Original Stated Rate | 13.92000% | 3.04000% | 10.88000% | XX% | The "Original Stated Rate" on the Note is 13.920%. | Initial |  |
| 295 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 295 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 295 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $-8000.00 | XX% | The value on the appraisal report is $XX | Initial |  |
| 295 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 88.478% | 75.370% | 13.108% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 295 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 88.478% | 75.370% | 13.108% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 295 | XX | XX | XX | XX | XX | Original Stated P&I | $398.39 | $0.00 | $398.39 |  | The Note located on page 1417 reflects a P7I of 398.39. | Initial |  |
| 295 | XX | XX | XX | XX | XX | Original Stated Rate | 11.35000% | 7.00000% | 4.35000% | XX% | The interest rate on the Note located on page 1417 is 11.350%. | Initial |  |
| 295 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -10836 (Days) |  | The stated maturity date on the Note located on page 1417 is 7/XX/2026. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | Unavailable | 152.940% |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | Unavailable | 80.000% |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -18294 (Days) |  | The stated maturity date on the Note located on page 193 is 3/XX/2011. | Initial |  |
| 347 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -4 (Days) |  | The first payment date per the Note is 1/XX/2001. | Initial |  |
| 347 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $18520.37 | XX% | The original balance on the Note is $XX | Initial |  |
| 347 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 117.395% | 89.330% | 28.065% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.). The LTV/CLTV is XXX.XXX% (up to X decimals). | Initial |  |
| 347 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 117.395% | 89.330% | 28.065% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.). The LTV/CLTV is XXX.XXX% (up to X decimals). | Initial |  |
| 347 | XX | XX | XX | XX | XX | Original Stated P&I | $777.94 | $0.00 | $777.94 |  | The original stated P&I on the Note is $777.94. | Initial |  |
| 347 | XX | XX | XX | XX | XX | Original Stated Rate | 11.68000% | 4.18000% | 7.50000% | XX% | The original stated rate per the Note is 11.680%. | Initial |  |
| 347 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5604 (Days) |  | The stated maturity date per the Note is 12/XX/2030. | Initial |  |
| 20 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  | Based on the application B1 SSN is | Initial |  |
| 20 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 20 | XX | XX | XX | XX | XX | Borrower #2 First Name | XX |  |  |  | Based on the Note the first name of B2 is XX. | Initial |  |
| 20 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX |  |  |  | Based on the Note the last name of B2 is XX. | Initial |  |
| 20 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | Based on the Note the first payment date is 11/XX/2008. | Initial |  |
| 20 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 20 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 20 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | OCCUPIED |  |  | One in the same, | Initial |  |
| 20 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $170000.00 | XX% | Based on the appraisal in file the property value is $XX | Initial |  |
| 20 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 71.022% | 64.883% |  | XX% | The CLTV is based on the appraisal value of XXX,XX. | Initial |  |
| 20 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 71.022% | 85.994% |  | XX% | The LTV is based on the appraisal value of XXX,XX. | Initial |  |
| 20 | XX | XX | XX | XX | XX | Original Stated P&I | $2345.50 |  |  |  | Based on the Note the original stated P&I is $2,345.50. | Initial |  |
| 20 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5 (Days) |  | Based on the Note the maturity date is 10/XX/2038. | Initial |  |
| 377 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -6 (Days) |  | First payment date on the Note located on page 395 is 9/XX/2000. | Initial |  |
| 377 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $0.47 | XX% | The Original Balance on the Note located on page 395 is $XX. | Initial |  |
| 377 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 159.997% | 163.250% | -3.253% | XX% | The CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XX,XX.XX). The CLTV is XXX.XXX%. | Initial |  |
| 377 | XX | XX | XX | XX | XX | Original Stated P&I | $1290.91 | $0.00 | $1290.91 |  | The original stated P&I on the Note is 1,290.91. | Initial |  |
| 377 | XX | XX | XX | XX | XX | Property Address Street | XX | XX |  |  | The property address street on the Note located on page 395 is XX. A post closing document located on page 972 reflects updated address of XX | Initial |  |
| 377 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 24 (Days) |  | The Original Stated Rate on the Note located on page 395 is 8/XX/2030. | Initial |  |
| 384 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 13 (Days) |  | The first payment date on the Note located on page 690 is 1/XX/2005. | Initial |  |
| 384 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | The appraisal is missing. | Initial |  |
| 384 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-81603.65 | XX% | The original loan amount on the Note located on page 690 is $XX | Initial |  |
| 384 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 73.545% | 116.720% | -43.175% | XX% | The CLTV is loan amount (XXX,XX.XX) divided by value used by lender (XXX,XX.XX). The CLTV is XX.XXX%. | Initial |  |
| 384 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 73.545% | 116.720% | -43.175% | XX% | The LTV is loan amount (XXX,XX.XX) divided by value used by lender (XXX,XX.XX). The LTV is XX.XXX%. | Initial |  |
| 384 | XX | XX | XX | XX | XX | Original Stated P&I | $1285.73 | $0.00 | $1285.73 |  | The original P&I payment on the Note located on page 690 is $1,285.73. | Initial |  |
| 384 | XX | XX | XX | XX | XX | Original Stated Rate | 9.44000% | 7.00000% | 2.44000% | XX% | The original interest rate on the Note located on page 690 is 9.440%. | Initial |  |
| 384 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -2606 (Days) |  | The stated maturity date on the Note located on page 690 is 12/XX/2029. | Initial |  |
| 291 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 291 | XX | XX | XX | XX | XX | Stated Maturity Date | XX |  |  |  |  | Initial |  |
| 291 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 291 | XX | XX | XX | XX | XX | Stated Maturity Date | XX |  |  |  |  | Initial |  |
| 291 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 291 | XX | XX | XX | XX | XX | Stated Maturity Date | XX |  |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | ARM Index Type | LIBOR - 6 month WSJ | 6 MOS LIBOR |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | ARM Interest Rate Rounding Factor | Round nearest 1/8 |  |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Borrower #2 First Name | XX |  |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX |  |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | First Pay Change Date | 10/1/2009 |  |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | First Rate Change Date | 9/1/2009 |  |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Next Pay Change Date | 3/1/2020 |  |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Next Rate Change Date | 2/1/2020 | 10/1/2015 | 1584 (Days) |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $58100.00 | XX% |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 92.911% |  | XX% |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 118.174% |  | XX% |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Original Stated P&I | $1739.55 |  |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Original Stated Rate | 7.25000% | 5.37500% |  | XX% |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Servicing Look Back Days | First Business Day of Preceding Month |  |  |  |  | Initial |  |
| 269 | XX | XX | XX | XX | XX | Subsequent Rate Adjustment Frequency | 6 Months | 6 |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Balloon Indicator | No | Yes |  |  | Per the Note on page 743, there is no balloon payment. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 98.065% | 98.060% | 0.005% | XX% | The LTV/CLTV is loan amount XX,XX divided by value used by lender XX,XXX. The LTV/CLTV is XX.XXX%&#xXD; | Initial |  |
| Dropped | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -215 (Days) |  | The First Payment Date reflected on the Note located on page 1227 is 7/XX/1996. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -214 (Days) |  | The stated maturity date on the Note located on page 1227 is 6/XX/2026. | Initial |  |
| 272 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The Note reflects one borrower. | Initial |  |
| 272 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $-12500.00 | XX% | Original Appraised value per the 8/XX/2006 Appraisal is $XX | Initial |  |
| 272 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 82.570% | 17.430% | XX% | The CLTV is loan amount (XX,XX) divided by the sales price value used by lender (XX,XX). The CLTV is XXX.XX%. | Initial |  |
| 272 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 82.570% | 17.430% | XX% | The LTV is loan amount (XX,XX) divided by the sales price value used by lender (XX,XX). The LTV is XXX.XX%. | Initial |  |
| 272 | XX | XX | XX | XX | XX | Original Stated Rate | 9.95000% | 5.00000% | 4.95000% | XX% | The original interest rate per the ARM Note is 9.9500%. | Initial |  |
| 272 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -7366 (Days) |  | The original maturity date per the Note is 10/XX/2036. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Subject Property Type | Manufactured Housing | Single Family |  |  | The homeowners policy located on page 329 indicates manufactured housing. | Initial |  |
| 387 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The Note reflects one borrower. | Initial |  |
| 387 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -2 (Days) |  | The first payment date on the Note located on page 325 is 05/XX/2000. | Initial |  |
| 387 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.31 | XX% | The Original Balance on the Note located on page 325 isXX. | Initial |  |
| 387 | XX | XX | XX | XX | XX | Original Note Doc Date | XX | XX | -4 (Days) |  | The date on the Note located on page 325 is 04/XX/2000. | Initial |  |
| 387 | XX | XX | XX | XX | XX | Original Stated P&I | $614.63 | $0.00 | $614.63 |  | The original stated P&I per the Note is $614.63. | Initial |  |
| 387 | XX | XX | XX | XX | XX | Original Stated Rate | 13.84900% | 2.00000% | 11.84900% | XX% | The original stated rate per the Note is 13.849%. | Initial |  |
| 387 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -1707 (Days) |  | The stated maturity date on the Note located on page 325 is 04/XX/. | Initial |  |
| 363 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 13 (Days) |  | The note on page 198 shows a 12/XX/2000 first pay date. | Initial |  |
| 363 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $8228.79 | XX% | The note on page 198 shows a $XX balance. | Initial |  |
| 363 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 117.420% | 100.960% | 16.460% | XX% | The XX,XXX.XX note and XX,XX appraisal support a XXX.XXX% CLTV. | Initial |  |
| 363 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 117.420% | 100.960% | 16.460% | XX% | The XX,XXX.XX note and XX,XX appraisal support a XXX.XXX% LTV. | Initial |  |
| 363 | XX | XX | XX | XX | XX | Original Stated P&I | $637.52 | $0.00 | $637.52 |  | The note on page 198 shows a $637.52 PI payment. | Initial |  |
| 363 | XX | XX | XX | XX | XX | Original Stated Rate | 11.78100% | 7.00000% | 4.78100% | XX% | The note on page 198 shows a 11.781% rate. | Initial |  |
| 363 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -12922 (Days) |  | The note on page 198 shows a 11/XX/2020 maturity date. | Initial |  |
| 342 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 342 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -2 (Days) |  | The First Payment Date on the Note located on page 556 is 5/XX/2000. | Initial |  |
| 342 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 342 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-23830.25 | XX% | The Original Balance on the Note located on page 556 is $XX | Initial |  |
| 342 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 94.048% | 112.380% | -18.332% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 342 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 94.048% | 112.380% | -18.332% | XX% | The LTV/OLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV/OLTV is XX.XXX%. | Initial |  |
| 342 | XX | XX | XX | XX | XX | Original Stated P&I | $1303.91 | $0.00 | $1303.91 |  | The Original Stated P&I on the Note located on page 556 is $1,303.91. | Initial |  |
| 342 | XX | XX | XX | XX | XX | Original Stated Rate | 12.49000% | 7.00000% | 5.49000% | XX% | The Original Stated Rate on the Note located on page 556 is 12.49000%. | Initial |  |
| 342 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -12085 (Days) |  | The stated maturity date on the Note located on page 556 is 4/XX/2030. | Initial |  |
| 239 | XX | XX | XX | XX | XX | Original Stated P&I | $1325.36 |  |  |  |  | Initial |  |
| 239 | XX | XX | XX | XX | XX | Original Stated Rate | 7.50000% | 7.75000% |  |  | Verifief per note reflect original stated P&I of $185,000 | Initial |  |
| 239 | XX | XX | XX | XX | XX | Sales Price (HUD-1 Line 101) | XX |  |  |  |  | Initial |  |
| 331 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-45898.00 | XX% | The Original Balance on the Note located on page 46 is $XX | Initial |  |
| 331 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 80.000% | 88.420% | -8.420% | XX% | The LTV/CLTV is loan amount XXX,XX divided by value used by lender XXX,XX. The LTV/CLTV is XX%. | Initial |  |
| 331 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 80.000% | 88.420% | -8.420% | XX% | The LTV/CLTV is loan amount XXX,XX divided by value used by lender XXX,XX. The LTV/CLTV is XX%. | Initial |  |
| 331 | XX | XX | XX | XX | XX | Original Stated P&I | $3196.17 | $0.00 | $3196.17 |  | The Original P&I on the Note located on 46 is $3,196.17. | Initial |  |
| 331 | XX | XX | XX | XX | XX | Original Stated Rate | 7.99000% | 4.00000% | 3.99000% | XX% | The Original Stated Rate on the Note located on page 46 is 7.99%. | Initial |  |
| 331 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 1066 (Days) |  | The stated maturity date per the Note is 4/XX/2033. | Initial |  |
| 428 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 9 (Days) |  | The first payment date is 7/XX/2000 found on the note on page 1223. | Initial |  |
| 428 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 428 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -1452 (Days) |  | The stated maturity date is 6/XX/2030 found on the note on page 1223. | Initial |  |
| 430 | XX | XX | XX | XX | XX | ARM Index Type | LIBOR - 6 month WSJ |  |  |  | According to the Note, the Arm Index Type is 6 month LIBOR WSJ. | Initial |  |
| 430 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 85.000% | 39.400% | 45.600% | XX% | The LTV/CLTV is loan amount XXX,XXX. divided by value used by lender XXX,XX. The LTV/CLTV is XX%. | Initial |  |
| 430 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 85.000% | 39.400% | 45.600% | XX% | The LTV/CLTV is loan amount XXX,XXX. divided by value used by lender XXX,XX. The LTV/CLTV is XX%. | Initial |  |
| 430 | XX | XX | XX | XX | XX | Original Stated Rate | 9.20000% | 7.00000% | 2.20000% | XX% | The original stated rate per the Note is 9.200%. | Initial |  |
| 430 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -9374 (Days) |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | ARM Index Type | LIBOR - 6 month WSJ | /O 60 MOS 6MO LIB WS |  |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | ARM Interest Rate Rounding Factor | Round nearest 1/8 |  |  |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | First Pay Change Date | 12/1/2008 |  |  |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | First Rate Change Date | 11/1/2008 |  |  |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | Next Pay Change Date | 5/1/2020 |  |  |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | Next Rate Change Date | 4/1/2020 | 12/1/2019 | 122 (Days) |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $18000.00 | XX% |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 88.173% |  | XX% |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 69.138% |  | XX% |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | Original Stated P&I | $1489.12 |  |  |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | Sales Price (HUD-1 Line 101) | XX |  |  |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | Servicing Look Back Days | 45 Days [45] |  |  |  |  | Initial |  |
| 220 | XX | XX | XX | XX | XX | Subsequent Rate Adjustment Frequency | 6 Months | 6 |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | ARM Index Margin Percent | 7.990% |  |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | ARM Index Type | LIBOR - 6 month WSJ | 0 |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | ARM Interest Rate Rounding Factor | Round nearest 1/8 |  |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | First Pay Change Date | 4/1/2008 |  |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | First Rate Change Date | 3/1/2008 |  |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | Next Pay Change Date | 9/1/2020 |  |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | Next Rate Change Date | 8/3/2020 |  |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY RESIDENCE |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $-23000.00 | XX% |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 95.238% | 81.115% |  | XX% |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 95.238% | 86.470% |  | XX% |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | Original Stated P&I | $2104.40 |  |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | Original Stated Rate | 9.99000% | 4.93000% |  | XX% |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | Rate Adjustment Subsequent Cap Percent | 1.000% |  |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | Servicing Look Back Days | First Business Day of Preceding Month |  |  |  |  | Initial |  |
| 234 | XX | XX | XX | XX | XX | Subsequent Rate Adjustment Frequency | 6 Months | 0 |  |  |  | Initial |  |
| 335 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -13 (Days) |  | Per the Note on page 653, the first payment date is 5/XX/2002 | Initial |  |
| 335 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-16317.32 | XX% | Per the Note on page 653, the balance is $6XX | Initial |  |
| 335 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 87.500% | 107.900% | -20.400% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XX,XX. The LTV/CLTV is XX.XXX% | Initial |  |
| 335 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 87.500% | 107.900% | -20.400% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XX,XX. The LTV/CLTV is XX.XXX%&#xXD; | Initial |  |
| 335 | XX | XX | XX | XX | XX | Original Stated P&I | $656.05 | $0.00 | $656.05 |  | Per the Note on page 653, the P&I is $656.05 | Initial |  |
| 335 | XX | XX | XX | XX | XX | Original Stated Rate | 11.81100% | 7.00000% | 4.81100% | XX% | Per the Note on page 653, the rate is 11.811% | Initial |  |
| 335 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 443 (Days) |  | Per the Note on page 653, the maturity date is 4/XX/2032. | Initial |  |
| 360 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 360 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -2 (Days) |  | The Note located on page 203 reflects a first payment date of 7/XX/2001. | Initial |  |
| 360 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 360 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.38 | XX% | The Original Balance on the Note located on page 203 is $XX | Initial |  |
| 360 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 117.308% | 117.310% | -0.002% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XXX.XXX%. | Initial |  |
| 360 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 117.308% | 117.310% | -0.002% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XXX.XXX%. | Initial |  |
| 360 | XX | XX | XX | XX | XX | Original Stated P&I | $686.01 | $0.00 | $686.01 |  | The Note located on page 203 reflects a P&I of $686.01. | Initial |  |
| 360 | XX | XX | XX | XX | XX | Original Stated Rate | 11.29400% | 7.70900% | 3.58500% | XX% | The interest rate on the Note located on page 208 is 11.294%. | Initial |  |
| 360 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -32 (Days) |  | The stated maturity date on the Note located on page 203 is 6/XX/2001. | Initial |  |
| 309 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The first payment date on the Note located on page 84 is 8/XX/2006. | Initial |  |
| 309 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-1844.67 | XX% | The Original Balance on the Note located on page 84 is $XX | Initial |  |
| 309 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 79.992% | 83.350% | -3.358% | XX% | The LTV/CLTV is loan amount XX,XXX.XX divided by value used by lender XX,XX. The CLTV is XX.XXX%.&#xXD; | Initial |  |
| 309 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 79.992% | 83.350% | -3.358% | XX% | The LTV is loan amount XX,XXX.XX divided by value used by lender XX,XX. The LTV is XX.XXX%. | Initial |  |
| 309 | XX | XX | XX | XX | XX | Original Stated P&I | $448.49 | $0.00 | $448.49 |  | The Original P&I on the Note located on 84 is $448.49 | Initial |  |
| 309 | XX | XX | XX | XX | XX | Original Stated Rate | 11.54000% | 7.00000% | 4.54000% | XX% | The Original Stated Rate on the Note located on page 84 is 11.540% | Initial |  |
| 309 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -1679 (Days) |  | The stated maturity date on the Note located on page84 is 7/XX/2031 | Initial |  |
| 366 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -4 (Days) |  | The first payment date on the Note located on page 278 is 6/XX/2002. | Initial |  |
| 366 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-24935.14 | XX% | The original loan amount on the Note located on page 278 is $XX | Initial |  |
| 366 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 102.425% | 132.830% | -30.405% | XX% | The CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX). The CLTV is XXX.XXX%. | Initial |  |
| 366 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 102.425% | 132.830% | -30.405% | XX% | The LTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX). The LTV is XXX.XXX%. | Initial |  |
| 366 | XX | XX | XX | XX | XX | Original Stated P&I | $788.97 | $0.00 | $788.97 |  | The original P&I payment on the Note located on page 278 is $788.97. | Initial |  |
| 366 | XX | XX | XX | XX | XX | Original Stated Rate | 10.82800% | 7.00000% | 3.82800% | XX% | The original interest rate on the Note located on page 278 is 10.828%. | Initial |  |
| 366 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5483 (Days) |  | The stated maturity date on the Note located on page 278 is 5/XX/2032. | Initial |  |
| 424 | XX | XX | XX | XX | XX | ARM Index Type | LIBOR - 6 month WSJ |  |  |  |  | Initial |  |
| 424 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 82.333% | 60.350% | 21.983% | XX% | The LTV/CLTV is loan amount (XXX,XX.XX) divided by value used by lender (XXX,XX.XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 424 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 82.333% | 60.350% | 21.983% | XX% | The LTV/CLTV is loan amount (XXX,XX.XX) divided by value used by lender (XXX,XX.XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 424 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -9709 (Days) |  | The stated maturity date on the Note located on page 1417 is 1/XX/2031. | Initial |  |
| 325 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 325 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -4 (Days) |  |  | Initial |  |
| 325 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 325 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $0.57 | XX% | The original balance on the Note located on page 657 is $XX. | Initial |  |
| 325 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 85.303% | 85.300% | 0.003% | XX% |  | Initial |  |
| 325 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 85.303% | 85.300% | 0.003% | XX% |  | Initial |  |
| 325 | XX | XX | XX | XX | XX | Original Stated P&I | $473.54 | $0.00 | $473.54 |  | The original P&I on the Note located on page 657 is $473.54. | Initial |  |
| 325 | XX | XX | XX | XX | XX | Original Stated Rate | 10.68100% | 4.97300% | 5.70800% | XX% | The original stated rate on the Note located on page 657 is 10.681%. | Initial |  |
| 325 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5 (Days) |  | The stated maturity date on the Note located on page 657 is 10/XX/2033. | Initial |  |
| 310 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The first payment date per the Note is 10/XX/2006. | Initial |  |
| 310 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 310 | XX | XX | XX | XX | XX | Original Stated P&I | $426.25 | $0.00 | $426.25 |  |  | Initial |  |
| 310 | XX | XX | XX | XX | XX | Original Stated Rate | 11.49000% | 11.19000% | 0.30000% | XX% | The original stated rate per the Note is 11.490%. | Initial |  |
| 310 | XX | XX | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |  |
| 310 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -3688 (Days) |  | The stated maturity date per the Note is 9/XX/2026. | Initial |  |
| 367 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -6 (Days) |  | The First Payment Date on the Note located on page 212 is 2/XX/2000. | Initial |  |
| 367 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 367 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-24841.77 | XX% | The Original Balance on the Note located on page 212 is $XX | Initial |  |
| 367 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 97.109% | 127.780% | -30.671% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 367 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 97.109% | 127.780% | -30.671% | XX% | The LTV/OLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/OLTV is XX.XXX%. | Initial |  |
| 367 | XX | XX | XX | XX | XX | Original Stated P&I | $808.13 | $0.00 | $808.13 |  | The Original P&I on the Note located on 212 is $808.13. | Initial |  |
| 367 | XX | XX | XX | XX | XX | Original Stated Rate | 11.98400% | 7.00000% | 4.98400% | XX% | The Original Stated Rate on the Note located on page 212 is 11.98400%. | Initial |  |
| 367 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -736 (Days) |  | The stated maturity date on the Note located on page 212 1/XX/2030. | Initial |  |
| 431 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 66.404% | 66.400% | 0.004% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 431 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 66.404% | 66.400% | 0.004% | XX% | The LTV/CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX.XX). The LTV/CLTV is XX.XXX%. | Initial |  |
| 431 | XX | XX | XX | XX | XX | Original Stated P&I | $541.70 | $0.00 | $541.70 |  | The Original P&I on the Note located on 2057 is $541.70. | Initial |  |
| 431 | XX | XX | XX | XX | XX | Original Stated Rate | 10.70000% | 7.00000% | 3.70000% | XX% | The Original Stated Rate on the Note located on page 2057 is 10.700%. | Initial |  |
| 431 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -4598 (Days) |  | The stated maturity date on the Note located on page 2057 is 7/XX/2029. | Initial |  |
| 357 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -8 (Days) |  | The first payment date is 5/XX/02 found on the note on page 118. | Initial |  |
| 357 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.45 | XX% | The Original Balance on the Note located on page 118 is $XX | Initial |  |
| 357 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 113.164% | 113.160% | 0.004% | XX% | The LTV/CLTV is loan amount XXX,XXX.XX divided by value used by lender XX,XX. The LTV/CLTV is XXX.XXX%. | Initial |  |
| 357 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 113.164% | 113.160% | 0.004% | XX% | The LTV/CLTV is loan amount XXX,XXX.XX divided by value used by lender XX,XX. The LTV/CLTV is XXX.XXX%. | Initial |  |
| 357 | XX | XX | XX | XX | XX | Original Stated P&I | $956.73 | $0.00 | $956.73 |  | The Original P&I on the Note located on 118 is $956.73 | Initial |  |
| 357 | XX | XX | XX | XX | XX | Original Stated Rate | 10.82800% | 9.82800% | 1.00000% | XX% | The Original Stated Rate on the Note located on page 118 is 10.828%. | Initial |  |
| 357 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 23 (Days) |  | The stated maturity date on the Note located on page 118 is 4/XX/2023 | Initial |  |
| 21 | XX | XX | XX | XX | XX | B1 SSN |  | - - |  |  | Based on the application B1 SSN is | Initial |  |
| 21 | XX | XX | XX | XX | XX | Balloon Indicator | No |  |  |  |  | Initial |  |
| 21 | XX | XX | XX | XX | XX | Borrower #2 First Name | XX |  |  |  | Based on the Note the first name of B2 is XX. | Initial |  |
| 21 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX |  |  |  | Based on the Note the last name of B2 is XX. | Initial |  |
| 21 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -6 (Days) |  | Based on the Note the first payment date is 11/XX/2008. | Initial |  |
| 21 | XX | XX | XX | XX | XX | Interest Only Period? | No |  |  |  |  | Initial |  |
| 21 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 21 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | OCCUPIED |  |  | One in the same. | Initial |  |
| 21 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $80000.00 | XX% | Based on the appraisal the property value is $XX | Initial |  |
| 21 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 92.697% | 92.270% |  | XX% | One in the same. | Initial |  |
| 21 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 92.697% | 69.141% |  | XX% | The LTV is based on the appraised value of XXX,XX. | Initial |  |
| 21 | XX | XX | XX | XX | XX | Original Stated P&I | $1577.87 |  |  |  | Based on the Note the original stated P&I is $1,577.87. | Initial |  |
| 21 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -6 (Days) |  | Based on the Note the maturity date is 10/XX/2038. | Initial |  |
| 400 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 400 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 400 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX | $200.00 | XX% | Per the appraisal on page 1571, the value is $XX | Initial |  |
| 400 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 88.099% | 88.370% | -0.271% | XX% | The LTV/CLTV is loan amount XX,XX divided by value used by lender XX,XXX. The LTV/CLTV is XX.XXX% | Initial |  |
| 400 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 88.099% | 88.370% | -0.271% | XX% | The LTV/CLTV is loan amount XX,XX divided by value used by lender XX,XXX. The LTV/CLTV is XX.XXX%&#xXD; | Initial |  |
| 400 | XX | XX | XX | XX | XX | Original Stated P&I | $474.10 | $0.00 | $474.10 |  | Per the Note on page 435, the P&I is $474.10. | Initial |  |
| 400 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -639 (Days) |  | Per the Note on page 435, the maturity date is 11/XX/2034 | Initial |  |
| 412 | XX | XX | XX | XX | XX | ARM Index Type | LIBOR - 6 month WSJ |  |  |  | Per the Note on page 375, the ARM index type is a 6 month LIBOR WSJ | Initial |  |
| 412 | XX | XX | XX | XX | XX | Balloon Indicator | Yes | No |  |  | Per page 597 of document package there is a balloon payment | Initial |  |
| 412 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 412 | XX | XX | XX | XX | XX | Original Stated Rate | 8.77500% | 4.98900% | 3.78600% | XX% | Per the Note on page 375, the rate is 8.775% | Initial |  |
| 386 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | The note has one borrower. | Initial |  |
| 386 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -6 (Days) |  | The note on page 382 shows a 2/XX/2004 first pay date. | Initial |  |
| 386 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | The note on page 382 shows no negative amortization. | Initial |  |
| 386 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-6022.28 | XX% | The note on page 382 shows a XX balance. | Initial |  |
| 386 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 79.999% | 92.040% | -12.041% | XX% | The XX,XXX.XX note and XX,XX appraisal support a XX.XXX% CLTV. | Initial |  |
| 386 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 79.999% | 92.040% | -12.041% | XX% | The XX,XXX.XX note and XX,XX appraisal support a XX.XXX% LTV. | Initial |  |
| 386 | XX | XX | XX | XX | XX | Original Stated P&I | $458.03 | $0.00 | $458.03 |  | The note on page 382 shows a $458.03 PI payment. | Initial |  |
| 386 | XX | XX | XX | XX | XX | Original Stated Rate | 11.49000% | 7.00000% | 4.49000% | XX% | The note on page 382 shows a 11.49% rate. | Initial |  |
| 386 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -4297 (Days) |  | The note on page 382 shows a 1/XX/2024 maturity date. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 97.361% | 97.360% | 0.001% | XX% | The LTV/CLTV is loan amount XX,XXX divided by value used by lender XX,XXX. The LTV/CLTV is XX.XXX%&#xXD; | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -3865 (Days) |  | Per the Note on page 1335, the maturity date is 10/XX/2022 | Initial |  |
| 344 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 344 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -7 (Days) |  | The Note located on page 211 reflects a first payment date of 6/XX/2001. | Initial |  |
| 344 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 344 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-41935.36 | XX% | The Original Balance on the Note located on page 211 is $XX | Initial |  |
| 344 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 113.307% | 151.430% | -38.123% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV/CLTV isXXX.XXX%. | Initial |  |
| 344 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 113.307% | 151.430% | -38.123% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV/CLTV isXXX.XXX%. | Initial |  |
| 344 | XX | XX | XX | XX | XX | Original Stated P&I | $1190.84 | $0.00 | $1190.84 |  | The Note located on page 211 reflects a P&I of $1,190.84. | Initial |  |
| 344 | XX | XX | XX | XX | XX | Original Stated Rate | 11.04100% | 4.28000% | 6.76100% | XX% | The Note located on page 211 has a Interest rate of 11.041%. | Initial |  |
| 344 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 783 (Days) |  | The stated maturity date on the Note located on page 211 is 5/XX/2001. | Initial |  |
| 365 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -35 (Days) |  | The first payment date on the Note located on page 671 is 12/XX/2001. | Initial |  |
| 365 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 365 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 107.816% | 107.820% | -0.004% | XX% | The CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The CLTV is XXX.XXX%.&#xXD; | Initial |  |
| 365 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 107.816% | 107.820% | -0.004% | XX% | The LTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV is XXX.XXX%.&#xXD; | Initial |  |
| 365 | XX | XX | XX | XX | XX | Original Stated P&I | $1638.04 | $0.00 | $1638.04 |  | The Original P&I on the Note located on 671 is $1,638.04. | Initial |  |
| 365 | XX | XX | XX | XX | XX | Original Stated Rate | 9.55100% | 7.98000% | 1.57100% | XX% | The Original Stated Rate on the Note located on page 671 is 9.551%. | Initial |  |
| 365 | XX | XX | XX | XX | XX | Property Address Street | XX | XX |  |  | The property address street on the Note located on page 671 is XX | Initial |  |
| 365 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -7491 (Days) |  | The stated maturity date on the Note located on page 671 is 11/XX/2031. | Initial |  |
| 368 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -6 (Days) |  | The first payment date on the Note located on page 495 is 04/XX/2000. | Initial |  |
| 368 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $0.33 | XX% | The Original Balance on the Note located on page 495 is XX. | Initial |  |
| 368 | XX | XX | XX | XX | XX | Original Stated P&I | $898.67 | $0.00 | $898.67 |  | The Original P&I on the Note located on 495 is $898.67. | Initial |  |
| 368 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -798 (Days) |  | The stated maturity date on the Note located on page 495 is 03/XX/2030. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  | It appears that an appraisal inspection was not performed. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Subject Property Type | Manufactured Housing | Single Family |  |  | Property is Manufactured Housing. | Initial |  |
| 351 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 12 (Days) |  | The first payment date on the Note located on page 172 is 9/XX/2002. | Initial |  |
| 351 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-36909.51 | XX% | The original balance on the Note located on page 172 is $XX | Initial |  |
| 351 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 107.815% | 181.630% | -73.815% | XX% | The CLTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX). The CLTV is XXX.XXX%. | Initial |  |
| 351 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 107.815% | 181.630% | -73.815% | XX% | The LTV is loan amount (XX,XXX.XX) divided by value used by lender (XX,XX). The LTV is XXX.XXX%.&#xXD; | Initial |  |
| 351 | XX | XX | XX | XX | XX | Original Stated P&I | $527.30 | $0.00 | $527.30 |  | The Original P&I on the Note located on page 172 is $527.30. | Initial |  |
| 351 | XX | XX | XX | XX | XX | Original Stated Rate | 10.64600% | 7.00000% | 3.64600% | XX% | The original stated rate on the Note located on page 172 is 10.646%. | Initial |  |
| 351 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 559 (Days) |  | The stated maturity date on the Note located on page 172 is 8/XX/2032. | Initial |  |
| 31 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 31 | XX | XX | XX | XX | XX | Occupancy at Origination (Property Usage Type) | Primary [1] | PRIMARY / OWNER OCCUPIED |  |  |  | Initial |  |
| 31 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 78.313% | 78.310% |  | XX% | The original CLTV ratio percent is 78.313% as verified by the 1008 on page 80. | Initial |  |
| 31 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 78.313% | 78.310% |  | XX% | The original standard LTV (OLTV) is 78.313% as verified by the 1008 on page 80. | Initial |  |
| 31 | XX | XX | XX | XX | XX | Original Stated P&I | $1946.45 |  |  |  |  | Initial |  |
| 31 | XX | XX | XX | XX | XX | Representative Score | Unavailable | 594 |  |  |  | Initial |  |
| 319 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -5 (Days) |  | The Note located on page 482 reflects a first payment date of 9/XX/2008. | Initial |  |
| 319 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 319 | XX | XX | XX | XX | XX | Original Appraised Value | XX | XX |  |  |  | Initial |  |
| 319 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $-0.49 | XX% | The Original Balance on the Note located on page 482 is $XX | Initial |  |
| 319 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 105.405% | 105.400% | 0.005% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV/CLTV is XXX,XXX%. | Initial |  |
| 319 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 105.405% | 105.400% | 0.005% | XX% | The LTV/CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV/CLTV is XXX,XXX%. | Initial |  |
| 319 | XX | XX | XX | XX | XX | Original Stated P&I | $1072.36 | $0.00 | $1072.36 |  | The Original P&I on the Note located on 482 is $1,072.36. | Initial |  |
| 319 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -5 (Days) |  | The stated maturity date on the Note located on page 482 is 8/XX/2048. | Initial |  |
| Dropped | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -9313 (Days) |  | The stated maturity date per the Note is 1/XX/2027. | Initial |  |
| 326 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | -4 (Days) |  | The first payment date on the Note located on page 362 is 11/XX/2008. | Initial |  |
| 326 | XX | XX | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | $2000.06 | XX% | The Original Balance on the Note located on page 362 is $XX. | Initial |  |
| 326 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 84.774% | 84.190% | 0.584% | XX% | The CLTV is loan amount XXX,XXX.XX divided by value used by lender XXX,XX The CLTV is XX.XXX%.&#xXD; | Initial |  |
| 326 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 84.774% | 84.190% | 0.584% | XX% | The LTV is loan amount XXX,XXX.XX divided by value used by lender XXX,XX The LTV is XX.XXX%. | Initial |  |
| 326 | XX | XX | XX | XX | XX | Original Stated P&I | $2244.90 | $0.00 | $2244.90 |  | The Original P&I on the Note located on Initial |  |  |
| 326 | XX | XX | XX | XX | XX | Original Stated Rate | 8.54000% | 5.20100% | 3.33900% | XX% | The Original Stated Rate on the Note located on page 362 is 8.540% | Initial |  |
| 326 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | -8498 (Days) |  | The stated maturity date on the Note located on page 362 is 10/XX/2035. | Initial |  |
| 317 | XX | XX | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |  |
| 317 | XX | XX | XX | XX | XX | First Payment Date | XX | XX | 6 (Days) |  | The first payment date on the Note located on page 108 is 8/XX/2008. | Initial |  |
| 317 | XX | XX | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |  |
| 317 | XX | XX | XX | XX | XX | Original CLTV Ratio Percent | 89.248% | 89.250% | -0.002% | XX% | The CLTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The CLTV is XX.XXX%.&#xXD; | Initial |  |
| 317 | XX | XX | XX | XX | XX | Original Standard LTV (OLTV) | 89.248% | 89.250% | -0.002% | XX% | The LTV is loan amount (XXX,XXX.XX) divided by value used by lender (XXX,XX.XX). The LTV is XX.XXX%.&#xXD; | Initial |  |
| 317 | XX | XX | XX | XX | XX | Original Stated P&I | $1456.74 | $0.00 | $1456.74 |  | The Original P&I on the Note located on108 is $1,456.74. | Initial |  |
| 317 | XX | XX | XX | XX | XX | Original Stated Rate | 11.89000% | 5.25000% | 6.64000% | XX% | The Original Stated Rate on the Note located on page 108 is 11.89%. | Initial |  |
| 317 | XX | XX | XX | XX | XX | Stated Maturity Date | XX | XX | 6 (Days) |  | The stated maturity date on the Note located on page 108 is 7/XX/2008. | Initial |  |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

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| Marketing ID | Loan Number | Issue Detail | Issue Check Result | Address Variation | Applicant Not in Title | No Open Mortgage | Delinquent OR Unpaid Taxes | Other Lien Amount Before Subject | Federal Tax Lien | State Tax Lien | Subject Mortgage Found | Subject in 1st Position | Subject Mortgage Foreclosed | Break in Assignment Chain | Assigned to Counterparty | Break in Assignment Chain Detail | Address Variation Detail | Property in Super Lien State? | MERS | Last Deed of Record Grantee | Subject Mortgage Original Grantee | Subject Mortgage Last Grantee | Subject Mortgage Last Assignment Addl Info | Subject Mortgage Amount | Subject Mortgage Lien Position | Subject Mortgage Modified? | Modification Amount | Modification Date | Subject Mortgage Modification Purpose | Senior Mortgages Count | Total Senior Mortgage Amount | Junior Mortgages Count | Total Junior Mortgage Amount | State Tax Lien Amount Before Subject | State Tax Lien Amount After Subject | Federal Tax Lien Amount Before Subject | Federal Tax Lien Amount After Subject | HOA Lien Amount Before Subject | HOA Lien Amount After Subject | Municipal Lien Amount Before Subject | Municipal Lien Amount After Subject | Other Lien Amount Before Subject | Other Lien Amount After Subject | Total Lien Amount Before Subject | Total Lien Amount After Subject (includes Delinquent Tax) | Total Lien Amount (includes Delinquent Tax) | Current Tax Amount | Delinquent Tax Amount | Total Tax Amount | Addl Info | Tax Info 1 | Tax Info 2 |
| 62 | XX | Delinquent or Unpaid Taxes, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Book XX, Page XX. | XX | 1 | Y | XX | 1/XX/2024 | "To modify the loan amount. Mortgage recorded on X/XX/XXXX in Book XXX, Page XXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1601.68 | $0.00 | $1601.68 | "Property Type: Single Family Residential" |  |  |
| 1135 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | N/A | XX | 1 | Y | XX | 4/XX/2011 | "MTG recorded on XX/XX/XXXX in Book/Page XXXX/XXXXX to modify the principal amount" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2400.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $1320.84 | $0.00 | $1320.84 | "Property Type: Single Family Residential" | No Assessment Breakdown Provided. |  |
| 2334 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Instrument No. XX&nbsp;&nbsp;&nbsp;&nbsp; | XX | 1 | Y | XX | 4/XX/2022 | "To modify the principal loan amount. Mortgage recorded on X/X/XXXX in Instrument No. XXXXXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $5128.11 | $0.00 | $5128.11 | "Property Type: Single Family Residential<br> Notice of Commencement dated Jan XX, 2026, filed Jan XX, 2026, as (instrument) XX: $_AMOUNT_. _PURPOSE_" | No assessment breakdown provided.<br> Annual: 2025 County Tax amount $4,922.99 Paid at Discount (Base Amount - $5128.11) |  |
| 765 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Instrument No. XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $44253.83 | $0.00 | XX | XX | $8465.44 | $0.00 | $8465.44 | "Property Type: Townhouse<br> Non-identity Affidavit recorded on 6/XX/2002 in Book XX, Page XX.<br> Same Name Affidavit recorded on 6/XX/2002 in Book XX, Page XX.<br> Owners Survey Affidavit recorded on 4/XX/2004 in Book XX, Page XX." | No assessment breakdown provided.<br> Annual: 2025 County Tax amount $8,126.82 Paid at Discount (Base Amount - $8465.44) |  |
| 2294 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mtg Recorded On X/XX/XXXX Instrument No. XX Book XX Page XX | XX | 1 | Y | XX | 7/XX/2019 | "Mtg Recorded On X/X/XXXX Instrument No. XXXXXXXXXX Book XXXXX Page XXXX;to modify the principal amount" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1517.70 | $0.00 | $1517.70 | "Property Type: Single Family Residential<br>" | Annual: <br> 2025 County Tax amount $1456.99 Paid at Discount (Base Amount - $1517.70) |  |
| 2433 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG recorded on XX-XX-XXXX, in Book XX, Page XX | XX | 1 | Y | XX | 5/XX/2022 | "To Modify the loan amount; MTG recorded on XX-XX-XXXX, in Book XXXXX, Page XXX;" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2073.89 | $0.00 | $2073.89 | "Property Type: Single Family Residential<br>" | No assessment breakdown provided. |  |
| 1346 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on X/XX/XXXX, in Book XXX, Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $211.39 | $0.00 | $211.39 | "Property Type: Single Family Residential<br>" | No assessment breakdown provided. |  |
| 2120 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT recorded on XX/XX/XXXX, in Book XX, Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4586.63 | $0.00 | $4586.63 | "Property Type: Single Family Residential<br>" | No assessment breakdown provided. |  |
| 998 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT recorded on X/XX/XXXX, in Book XX, Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1323.79 | $0.00 | XX | XX | $2909.63 | $0.00 | $2909.63 | "Property Type: Single Family Residential<br>Register of Wills recorded on 03/XX/2022, in Instrument No. XX<br> Register of Wills recorded on 12/XX/2022, in Instrument No. XX." | No assessment breakdown provided. |  |
| 2138 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT recorded on XX/XX/XXXX, in Book XX, Page XX | XX | 1 | Y | XX | 7/XX/2013 | "To Modify the loan amount; DOT recorded on XX/XX/XXXX, in Book XXXXX, Page XXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $4131.94 | $0.00 | $4131.94 | "Property Type: Single Family Residential<br>" | No assessment breakdown provided. |  |
| 305 | XX | Subject Not in 1st Position | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Dot recorded on XX/XX/XXXX as Instrument No.XX | XX | 2 | N |  |  |  | 1 | XX | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $924.02 | $0.00 | $924.02 | "Property Type: Single Family Residential<br> For the Subject file there is a Assignment Chain Mismatch Between 08/XX/2008 to 09/XX/2024" | No Assessment Breakdown Provided. <br> Annual: <br> 2025 County Tax Amount: $924.02 Paid<br> 2025 City Tax Amount: $886.51 Paid |  |
| 2579 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage at Instrument no. XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5852.11 | $0.00 | $5852.11 | "Property Type is Single Family Residence." | 2024 1st half taxes are paid in the amount of $3144.33 on 3/XX/2025<br> 2nd half taxes are paid in the amount of $2707.78 on 12/XX/2025.<br>2025 Taxes 1st half is paid in the amount of $3218.68 on 4/XX/2026 and 2nd half is not yet available. Exemption : Homeowner. |  |
| 64 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Book XX, Page XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type: Single Family Residential" | Taxes are Mailaway. |  |
| 534 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2000.21 | $0.00 | $2000.21 | "Property Type: Single Family Residential<br> Power of Attorney recorded on 10/XX/2007 in Book XX, Page XX." | No assessment breakdown provided. |  |
| 265 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Instrument No. XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3880.00 | $0.00 | $3880.00 | "Property Type: Single Family Residential" | No assessment breakdown provided. |  |
| 453 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on X/XX/XXXX, in Inst.No. XX, and Book XX, Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5930.52 | $0.00 | $5930.52 | "Property Type: Single Family Residential<br>" | Quarterly: <br> 2026 County Tax 1st Qtr amount $1482.63 Paid<br> 2026 County Tax 2nd Qtr amount $1482.63 Paid<br> 2026 County Tax 3rd and 4th Qtr unavailable |  |
| 1220 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on X/XX/XXXX, in Book XX, Page XX and Inst.No | XX | 1 | Y | XX | 11/XX/2017 | "To Modify the Loan Amount, MTG recorded on X/XX/XXXX, in Book XXXX, Page XXXX and Inst.No.XXXXXXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $10949.70 | $0.00 | $10949.70 | "Property Type: Single Family Residential<br>" | No assessment breakdown provided.<br>Quarterly: <br> 2026 County Tax 1st Qtr amount $2737.43<br> 2026 County Tax 2nd Qtr amount $2737.42<br> 2026 County Tax 3rd and 4th Qtr unavailable |  |
| 403 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust at Instrument no. XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3513.54 | $0.00 | $3513.54 | "Property Type is Single Family Residence.<br> Beneficiary Deed Recorded on 01/XX/2022 as Instrument no. XX." | 2025 1st half taxes are paid in the amount of $1,756.77 on 10/XX/2025<br> 2nd half taxes are paid in the amount of $1,756.77 on 5/XX/2026. No assessment breakdowns available. |  |
| 2786 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust Inst No. XX | XX | 1 | Y | XX | 4/XX/2022 | "To Modify Principal Amount, Maturity Date for Deed of Trust Inst No. XXXXXXXXXXX " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $531.68 | $0.00 | $531.68 | "Property Type is Mobile-Manufactured Home." | 2025 1st half taxes are paid in the amount of $265.84 on 10/XX/2025<br> 2nd half taxes are paid in the amount of $265.84 on 5/XX/2026. <br> No assessment breakdowns available. |  |
| 1498 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust Inst No. XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1373.20 | $0.00 | $1373.20 | "Property Type is Single Family Residence.<br> Beneficiary Deed Recorded on 06/XX/2025, as Inst No.XX." | 2025 Taxes 1st half is paid in the amount of $686.60 on 10/XX/2025<br> and 2nd half is paid in the amount of $686.60 on 5/XX/2026. No assessment breakdowns available. |  |
| 2772 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust at Book/Page XX/XX, Inst. XX. | XX | 1 | Y | XX | 10/XX/2022 | "Modify principal amount and extended maturity date to XX/XX/XXXX for Deed of Trust at Book/Page XXXX/XXX, Inst. XXXXXXX." | 0 | $0.00 | 2 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2150.72 | $0.00 | $2150.72 | "Property Type is Single Family Residence." | 2025 1st half taxes are paid in the amount of $1075.36 on 2/XX/2026<br> 2nd half taxes are paid in the amount of $1075.36 on 6/XX/2026. |  |
| 2587 | XX | Delinquent or Unpaid Taxes, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage in Inst No. XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6598.38 | $0.00 | $6598.38 | "Property type is Single family Residence" | 2025 1st half taxes are paid in the amount of $3299.19 on 5/XX/2026<br> 2nd half taxes are due in the amount of $3299.19 due by 9/XX/2026. No assessment breakdowns available. Exemption : Homestead. |  |
| 1000 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Inst No. XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $13827.67 | $0.00 | XX | XX | $5061.86 | $0.00 | $5061.86 | "Property type is Single Family Residence." | 2025 1st half taxes are paid in the amount of $2530.93 on 5/XX/2026<br> 2nd half taxes are due in the amount of $2530.93 due by 9/XX/2026. No assessment breakdowns available. Exemption : homestead. |  |
| 1505 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on X/XX/XXXX, in Inst.No. XX, and Book XX, Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3177.36 | $0.00 | XX | XX | $5008.00 | $0.00 | $5008.00 | "Property Type: Single Family Residential<br>" | Quarterly: <br> 2026 County Tax 1st Qtr amount $1252.00 Paid<br> 2026 County Tax 2nd Qtr amount $1252.00 Paid<br> 2026 County Tax 3rd and 4th Qtr Unavailable |  |
| 1974 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Inst.No. XX, and Book XX, Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $66469.01 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $1585.22 | $0.00 | $1585.22 | "Property Type: Condominium" | Quarterly: <br> 2026 County Tax 1st Qtr amount $396.31 Paid<br> 2026 County Tax 2nd Qtr amount $396.30 Paid<br> 2026 County Tax 3rd and 4th Qtr Unavailable |  |
| 291 | XX | Delinquent or Unpaid Taxes, No Open Mortgage, Applicant Not in Title, Subject Mortgage Not Found | **FAIL** | PASS | **FAIL** | **FAIL** | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $0.00 | $1522.96 | $0.00 | $1522.96 | "Property Type: Single Family Residential<br> Power of Attorney recorded on 5/XX/2006 in Instrument No. XX" |  |  |
| 2691 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust recorded on XX/XX/XXXX in Book XX, Page XX. | XX | 1 | Y | XX | 9/XX/2021 | "To modify the loan amount. Deed of Trust recorded on XX/XX/XXXX in Book XXXXX, Page XXX. " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1845.59 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $3173.53 | $0.00 | $3173.53 | "Property Type: Single Family Residential" | No assessment breakdown provided. |  |
| 827 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1728.64 | $0.00 | $1728.64 | "Property Type: Single Family Residence" |  |  |
| 17 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Book XX, Page XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $815.00 | $0.00 | $815.00 | "Property Type: Single Family Residential" | No assessment breakdown provided. |  |
| 2390 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on XX/XX/XXXX in Instrument No. XX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2142.85 | $0.00 | $2142.85 | "Property Type: Single Family Residential" | No assessment breakdown provided. |  |
| 1404 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust recorded on XX/XX/XXXX in Book XXXX, Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8210.14 | $0.00 | $8210.14 | "Property Type: Single Family Residential" |  |  |
| 469 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust recorded on XX/XX/XXXX in Book XXXX, Page XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8939.76 | $0.00 | $8939.76 | "Property Type: Single Family Residential" |  |  |
| 301 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXXX, Page XX and Inst.No.XXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7096.96 | $0.00 | $7096.96 | "Property Type: Single Family Residential<br>" | Quarterly: <br> 2026 County Tax 1st Qtr amount $1774.24 Paid<br> 2026 County Tax 2nd Qtr amount $1774.24 Paid<br> 2026 County Tax 3rd and 4th Qtr Unavailable |  |
| 261 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | ASSIGNED BY THE MORTGAGE NUMBER XXXX-XXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4835.12 | $0.00 | $4835.12 | "Property Type SFR<br> An easement dated dated Jun XX, 2014 and recorded Jun XX, 2014 in(instrument) XX, of the official property records of _COUNTY_ County, _STATE_<br> An easement dated dated Jun XX, 2017 and recorded Jul XX, 2017 in(instrument) XX, of the official property records of _COUNTY_ County, _STATE_" |  |  |
| 1331 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXXX, Page XX and Inst.No.XXXXX | XX | 1 | Y | XX | 6/XX/2019 | "To Modify the Loan Amount,MTG recorded on XX/XX/XXXX, in Book XXXXX, Page XXX and Inst.No.XXXXX" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $6064.32 | $0.00 | $6064.32 | "Property Type: Single Family Residential<br>" | Quarterly: <br> 2026 County Tax 1st Qtr amount $1516.08 Paid<br> 2026 County Tax 2nd Qtr amount $1516.08 Paid<br> 2026 County Tax 3rd and 4th Qtr Unavailable |  |
| 1179 | XX | Delinquent or Unpaid Taxes, Subject Not in 1st Position | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX in Instrument No. XXXXXX | XX | 2 | N |  |  |  | 1 | XX | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2435.76 | $0.00 | $2435.76 | "Property Type: Single Family Residential" |  |  |
| 1574 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust recorded on XX/XX/XXXX in Instrument No. XXXX-XXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3537.10 | $0.00 | $3537.10 | "Property Type: Condominium<br> Order recorded on 07/XX/2008 in Instrument No. XX." | No assessment breakdown provided. |  |
| 911 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5952.48 | $0.00 | $5952.48 | "Property Type: Multi Family Dwelling" |  |  |
| 687 | XX | Delinquent or Unpaid Taxes, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXX-XXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $499.97 | $254.98 | $754.95 | "Property Type: Single Family Residence<br> Declaration of Homestead, recorded on 10/XX/1981 in Instrument No.XX." | 2025-2026 1st Installment Taxes are Paid with Penalty in the amount of $244.99, Base Amount $222.72, 2nd Installment Taxes are Delinquent in the amount of $254.98, Base Amount $222.71. |  |
| 853 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Referring to Deed of Trust recorded on XX/XX/XXXX in Book XXXX, Page XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $920.56 | $0.00 | XX | XX | $9373.92 | $0.00 | $9373.92 | "Property Type: Single Family Residence." |  |  |
| 2354 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | ASSIGNMENT OF MORTGAGE | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8466.98 | $0.00 | XX | XX | $1083.09 | $0.00 | $1083.09 | "PROPERTY IS SINGLE FAMILY<br> AFFIDAVIT BY SURVIVING SPOUSE FILED 10-XX-2002 BOOK XX PAGE XX" | NO ASSESSMENT BREAKDOWN AVAILABLE |  |
| 2179 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Assignment in DOT: XXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4216.92 | $0.00 | $4216.92 | "Property Type: SFR<br> Plat Map @ BK XX PG XX - REC. DATE: 6/XX/1999" |  |  |
| 737 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Assignment for DT @ XXXX-XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $482.72 | $0.00 | $482.72 | "Property Type is SFR<br> Dissolution or Decree of Divorce entered on 2/XX/00, in Case No. XX between XX, Petitioner/Plaintiff, and XX, Respondent/Defendant." |  |  |
| 1010 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5144.54 | $0.00 | $5144.54 | "Property Type: Single Family Residence<br> A UCC instrument from XX dated May XX, 2024 and filed on May XX, 2024 in(instrument) XX, of the official property records of _COUNTY_ County, _STATE_ in favor of _GRANTEE_. _PURPOSE_<br> A Solar Panel Agreement from XX dated and filed on Apr XX, 2025 in Solano, of the official property records of _GetPropertyCounty_1_, _GetPropertyState_1_ in the amount of _AMOUNT_ and in favor of _GRANTEE_. _XX (instrument) XX _PURPOSE_" |  |  |
| 1593 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Referring to Deed of Trust recorded on XX/XX/XXXX in Book XXX, Page XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2307.00 | $0.00 | $2307.00 | "Property Type: Single Family Residence." |  |  |
| 1123 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage Book XXX, Page XX and Instrument No. XXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type: Single Family Residence" | Taxes are not available online, therefore taxes amount shown as $0.00. No other assessments breakdown available |  |
| 2881 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6425.12 | $0.00 | $6425.12 | "Property Type: Single Family Residence" |  |  |
| 2826 | XX | Address Variation | **FAIL** | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  | XX | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XX XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3833.22 | $0.00 | $3833.22 | "Property Type: Single Family Residence<br> City: XX" |  |  |
| 1631 | XX | Address Variation | **FAIL** | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  | XX | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $18674.13 | $0.00 | $18674.13 | "Property Type: Condominium<br> Variance City: XX" |  |  |
| 564 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXX-XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $11394.40 | $0.00 | $11394.40 | "Property Type: Single Family Residence" |  |  |
| 1233 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX in instrument no. XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $310.00 | $0.00 | XX | XX | $4925.64 | $0.00 | $4925.64 | "Property Type: Single Family Residential" | No Assessment Breakdown Provided. <br> Annual: <br> 2025 County Tax Amount: $4,728.61 Paid at Discount (Base Amount: $4,925.64) |  |
| 1215 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX in instrument no. XXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2284.44 | $0.00 | $2284.44 | "Property Type: Single Family Residential<br> Affidavit recorded on 08/XX/1996 in instrument no.XX book/page XX<br> Declaration of Domicile recorded on 01/XX/1997 in instrument no.XX book/page XX<br> Same Name Affidavit recorded on 08/XX/2007 in instrument no.XX book/page XX" | No Assessment Breakdown Provided. <br> Annual: <br> 2025 County Tax Amount: $2,193.06 Paid at Discount (Base Amount: $2,284.44) |  |
| 1345 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage in Inst No. XXXXXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $425.76 | $0.00 | $425.76 | "Property type is Single Family Residence." | 2025 1st half taxes are paid in the amount of $65.59 and 2nd half taxes are paid in the amount of $360.17<br> no assessment breakdown.<br> PRE exemption<br> Taxes collected by Township |  |
| 2502 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Book XXXX, Page XX. | XX | 1 | Y | XX | 7/XX/2020 | "To modify the loan amount. Mortgage recorded on X/XX/XXXX in Book XXXXX, Page XXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $907.32 | $0.00 | $907.32 | "Property Type: Condominium<br> A UCC instrument from XX dated Aug 02, 2022 and filed on Aug XX, 2022 in(book) XX(page) XX, of the official property records of _COUNTY_ County, _STATE_ in favor of _GRANTEE_. _PURPOSE_" | No assessment breakdown provided. |  |
| 1305 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Instrument no. XXXXXX | XX | 1 | Y | XX | 4/XX/2015 | "To Modify Principal Amount, Maturity Date for Mortgage Instrument no. XXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $18305.24 | $0.00 | $18305.24 | "Property Type is Single Family Residence.<br> Property ordered as XX, but located as XX.<br>" | 2025 1st qtr taxes are paid in $4,244.11, 2nd qtr taxes are paid in $4,244.10, 3rd qtr taxes are paid in $4,337.00, 4th qtr taxes are paid in $5,480.03.<br> 2026 1st qtr taxes paid in $4,576.31, 2nd qtr taxes paid in $4,576.31, 3rd and 4th qtr taxes not yet available.<br> Taxes collected by Township |  |
| 1225 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage recorded on XX/XX/XXXX in Book XXX, Page XXX. | XX | 1 | Y | XX | 10/XX/2019 | "To modify the loan amount. Mortgage recorded on XX/XX/XXXX in Book XXXX, Page XXXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2151.25 | $0.00 | $0.00 | $0.00 | XX | XX | $1344.69 | $0.00 | $1344.69 | "Property Type: Single Family Residential" | No assessment breakdown provided. |  |
| 25 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust recorded on X/XX/XXXX in Book XXXX, Page XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8707.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $2597.85 | $0.00 | $2597.85 | "Property Type: Condominium" |  |  |
| 1975 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage at Book/Page XXXX/XXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $9683.16 | $0.00 | $9683.16 | "Property Type is Single Family Residence.<br> Property ordered as 'XX', however located as 'XX." | 2025 1st qtr taxes are paid in $2,384.21, 2nd qtr taxes are paid in $2,384.21, 3rd qtr taxes are paid in $2,438.47, 4th qtr taxes are paid in $2,476.27.<br> 2026 1st qtr taxes paid in $2,420.79, 2nd qtr taxes paid in $2,420.79, 3rd qtr tax due in $2,643.55 on 08/XX/2026 and 4th qtr taxes not yet available.<br> Taxes collected by City |  |
| 1273 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXX, Page XX and Inst.No.XXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $36192.78 | $0.00 | XX | XX | $6767.67 | $0.00 | $6767.67 | "Property Type: Single Family Residential<br>" | Quarterly: <br> 2026 County Tax 1st Qtr amount $1691.92 Paid<br> 2026 County Tax 2nd Qtr amount $1691.92 Paid<br> 2026 County Tax 3rd and 4th Qtr unavailable |  |
| 354 | XX | Subject Not in 1st Position | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Book/Page XXX/XXX | XX | 2 | N |  |  |  | 1 | XX | 2 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $803.73 | $0.00 | $0.00 | $0.00 | XX | XX | $2223.21 | $0.00 | $2223.21 | "Property type is Single Family Residence.<br> No Open/Released Lis Pendens Found.<br> Release not found for the Old Mortgage recorded on 12/XX/2001 in Inst No.XX in book/page No. XX. Hence, shown it.<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property." | 2026 County/Town taxes are paid in the amount of $2223.21 on 01/XX/2026, 2025 School taxes are paid in the amount of $3,550.61 on 9/XX/2025, No Priors, No exemptions, Assessment breakdown N/A. |  |
| 2867 | XX | State Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXXXX. | XX | 1 | Y | XX | 10/XX/2021 | "To Modify Loan Amount XXXXXX.XX and Maturity Date X/X/XXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $7428.64 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $3537.15 | $0.00 | $3537.15 | "Property Type: Single Family Residence<br> A Solar Panel Agreement from XXd ated and filed on May XX, 2026 in Kern, of the official property records of _GetPropertyCounty_1_, _GetPropertyState_1_ in the amount of _AMOUNT_ and in favor of _GRANTEE_. _LIBER (instrument) XX _PURPOSE_" |  |  |
| 423 | XX | Subject Not in 1st Position | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Book XXX, Page XX. | XX | 2 | N |  |  |  | 1 | XX | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1587.91 | $0.00 | $1587.91 | "Property Type: Single Family Residential" | No assessment breakdown provided. |  |
| 1620 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | N/A | XX | 1 | Y | XX | 6/XX/2018 | "This agreement modifies the obligation secured and the Maturity date." | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1770.13 | $0.00 | $1770.13 | "Property Type: Single Family Residence<br> A UCC instrument from XX dated Jun XX, 2023 and filed on Jun XX, 2023 in(instrument) XX, of the official property records of _COUNTY_ County, _STATE_ in favor of _GRANTEE_. _PURPOSE_" |  |  |
| 478 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Assignment in DOT: XXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4156.66 | $0.00 | $4156.66 | "Property Type: SFR<br> A UCC instrument from XX dated _and filed on Feb XX, 2014 in(instrument) XX, of the official property records of _COUNTY_ County, _STATE_ in favor of _GRANTEE_. _PURPOSE_" |  |  |
| 770 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX in Instrument No. XXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6030.54 | $0.00 | $6030.54 | "Property Type: Single Family Residential" | No Assessment Breakdown Provided. <br> Annual: <br> 2025 County Tax Amount: $5,789.32 Paid at Discount (Base Amount: $6,030.54) |  |
| 516 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage as Inst No. XXXX-XXXXXXXX in Book/Page XX XXXXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4182.00 | $0.00 | $4182.00 | "Property type is Single Family Residence." | 2024 1st half taxes are paid in the amount of $2091.00 on 9/XX/2025<br> 2nd half taxes are paid in the amount of $2091.00 on 3/XX/2026. Exemption : Homestead. |  |
| 404 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT recorded on XX/XX/XXXX in instrument no. XXXXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6524.10 | $0.00 | $6524.10 | "Property Type: Single Family Residential<br> Affidavit recorded on 08/XX/2005 in Instrument No. XX<br> Abbreviated Legal: XX" |  |  |
| 1450 | XX | Delinquent or Unpaid Taxes, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXX-XXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $549.75 | $0.00 | $549.75 | "Property Type: Condominium<br> Use Agreement, recorded on 06/XX/1997 in Instrument No. XX.<br> Declaration of Homestead, recorded on 04/XX/2008 in Instrument No. XX." |  |  |
| 780 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Book/Page XXXX/XXX, as Inst. XXXX-XXXXXXXX. | XX | 1 | Y | XX | 9/XX/2014 | "Modify principal amount and extended maturity date to XX/XX/XXXX for Mortgage at Book/Page XXXXX/XXX, as Inst. XXXX-XXXXXXXX." | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5016.00 | $0.00 | $5016.00 | "Property Type is Single Family Residence.<br> Affidavit at Book/Page XX, as Inst. XX, Recorded on 04/XX/2003." | 2024 Taxes 1st half is paid in the amount of $2508 on 9/XX/2025<br> and 2nd half paid in the amount of $2508 on 3/XX/2026. Exemption : Homestead. |  |
| 518 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage in Inst No. XXXX-XXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2552.00 | $0.00 | $2552.00 | "Property type is Single Family Residence.<br> Affidavit Recorded on 04/XX/2007 in Instrument No.XX." | 2024 1st half taxes are paid in the amount of $1276.00 on 9/XX/2025<br> 2nd half taxes are paid in the amount of $1276.00 on 3/XX/2026. |  |
| 792 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Book/Page XXX/XXXX, Inst No.XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2069.35 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $3031.81 | $0.00 | $3031.81 | "Property type is a Single Family Residence." | 2025 1st half taxes are paid in the amount of $1515.91 and 2nd half taxes are paid in the amount of $1515.90 |  |
| 757 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Security Deed at Book/Page XXXX/XXX, Inst. XXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $605.77 | $0.00 | $0.00 | $0.00 | XX | XX | $2473.40 | $0.00 | $2473.40 | "Property Type: Condominium" | 2025 taxes are paid in the amount of $2,473.40<br> Homestead |  |
| 517 | XX | State Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Instrument no. XXXX-XXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $40043.11 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1808.00 | $0.00 | XX | XX | $1372.00 | $0.00 | $1372.00 | "Property Type is Single Family Residence." | 2024 1st half taxes are paid in the amount of $686.00 on 9/XX/2025<br> 2nd half taxes are paid in the amount of $686.00 on 3/XX/2026. |  |
| 2652 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Book/Page XXX/XXXX, Inst. XXXXXXX. | XX | 1 | Y | XX | 9/XX/2021 | "Modify principal amount and extended maturity date to XX/XX/XXXX for Mortgage at Book/Page XXXX/XXXX, Inst. XXXXXXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3035.81 | $0.00 | $3035.81 | "Property Type is Single Family Residence." | 2025 1st half taxes are paid in the amount of $1517.91 and 2nd half taxes are paid in the amount of $1517.90 |  |
| 1478 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Referring to Deed of Trust recorded on XX/XX/XXXX in Book XXX, Page XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2860.32 | $0.00 | $2860.32 | "Property Type: Single Family Residence<br> Plat Map Dated: 06/XX/1977 Recorded: 11/XX/1977 in Plat Book XX and Page XX in XX." |  |  |
| 1180 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Security Deed at Book/Page XXXX/XXX, Inst. XXXX-XXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1765.23 | $0.00 | $1765.23 | "Property Type: Single Family Residence" | 2025 taxes are paid in the amount of $1765.23<br> Homestead<br> No assessment breakdown. |  |
| 49 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Security Deed at Book/Page XXX/XXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $670.54 | $0.00 | $670.54 | "Property Type is Single Family Residence." | 2025 Taxes are paid in the amount of $670.54 on 11/XX/2025. No assessment breakdowns available. Exemption : Homestead. <br> 2025 City tax is paid in the amount of $659.98 on 12/XX/2025. |  |
| 243 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Security Deed at Book/Page XX/XXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1407.06 | $0.00 | $1407.06 | "Property Type: Single Family Residence" | 2025 taxes are paid in the amount of $1407.06<br> No assessment breakdown. |  |
| 2899 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Inst No. XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $496.23 | $0.00 | $496.23 | "Property Type is Single Family Residence." | 2025 1st half taxes are paid in the amount of $248.12 and 2nd half taxes are paid in the amount of $248.11<br> Homestead |  |
| 1711 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Security Deed Book/Page XX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $18354.21 | $0.00 | XX | XX | $3799.24 | $0.00 | $3799.24 | "Property Type: Single Family Residence" | 2025 Taxes are paid in the amount of $3799.24 on 11/XX/2025. No assessment breakdowns available. Exemption : Homestead. |  |
| 1542 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust recorded on XX/XX/XXXX in Instrument No. XXXXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1221.31 | $0.00 | $0.00 | $0.00 | XX | XX | $4043.40 | $0.00 | $4043.40 | "Property Type: Single Family Residential<br> Abbreviated Legal Description:XX<br> Real Estate Excise Tax Affidavit recorded on 11/XX/2000 in Instrument No. XX." |  |  |
| 1443 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust recorded on XX/XX/XXXX in Book XXXX and Page XXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2997.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $4422.86 | $0.00 | $4422.86 | "Property Type: Single Family Residence" |  |  |
| 1764 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage in Book XXX-X, Page XXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type: Single Family Residence" | Taxes are not available online, therefore taxes amount shown as "$0.00" |  |
| 227 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | XX, not in its individual capacity, but solely as trustee of XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3382.00 | $0.00 | $3382.00 | "Single Family Residence" |  |  |
| 363 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | TO ASSIGN MORTGAGE | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $826.10 | $0.00 | $826.10 | "PROPERTY TYPE: SINGLE FAMILY RESIDENCE<br> NONE FOUND" |  |  |
| 529 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Instrument no. XXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $209.28 | $0.00 | $209.28 | "Property Type is Single Family Residence.<br> The Road Home Declaration of Covenants Running with the Land Hurricane XX / Hurricane XX Recorded on 05/XX/2007 as Instrument no. XX at Book/Page XX<br> Partial Release of Conveyance Recorded on 06/XX/2014 as Instrument no. XX at Book/Page XX<br>" | 2025 taxes are paid in the amount of $209.28 on 12/XX/2025<br> Homestead |  |
| 1327 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXX-XXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $270.96 | $0.00 | $0.00 | $0.00 | XX | XX | $9181.90 | $0.00 | $9181.90 | "Property Type: Single Family Residence<br> Declaration of Covenants, Conditions and Restrictions, and Reservation of Easements for XX recorded on July XX, 2007 in Instrument No. XX" |  |  |
| 2576 | XX | Delinquent or Unpaid Taxes, Subject Mortgage Foreclosed, Federal Tax Lien | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | N/A |  |  | Y |  | XX | XX | XX | Assignment | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $18832.88 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $3994.00 | $0.00 | $3994.00 | "Single Family Residence<br> Doc #XX<br> Affidavit Regarding Purchasers(s)<br> Date: 07/XX/2005 <br> Recorded Date: 08/XX/2005 <br> Doc #XX<br> Modification Agreement<br> Date: 11/XX/2020 <br> Recorded Date: 03/XX/2021 <br> Doc #XX<br> Notice of Pendency of Proceeding to Foreclose Mortgage <br> Date: 08/XX/2022 <br> Recorded Date: 08/XX/2022<br> Doc #XX<br> Power of Attorney to Foreclose Mortgage<br> Date: 08/XX/2022<br> Recorded Date: 08/XX/2022" |  |  |
| 1196 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Recorded: XX/XX/XXXX in Book/Reel/Liber: XXXXX Page/Folio: XXX as Instrument No .: XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $16275.12 | $0.00 | XX | XX | $6864.74 | $0.00 | $6864.74 | "Property Type: Single Family Residential<br> Continuous Marriage Affidavit recorded on 12/XX/2013 in Instrument No. XX" | No Assessment Breakdown Provided. <br> Annual: <br> 2025 County Tax Amount: $6,590.15 Paid at Discount (Base Amount: $6,864.74) |  |
| 2841 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXX-XXXXXXX. | XX | 1 | Y | XX | 4/XX/2022 | "To modify the loan amount $XXX,XXX.XX and maturity date XX/XX/XXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $9189.44 | $0.00 | $9189.44 | "Property Type: Single Family Residence<br> A Solar Panel Agreement from XX dated and filed on Oct XX, 2019 in XX, of the official property records of _GetPropertyCounty_1_, _GetPropertyState_1_ in the amount of _AMOUNT_ and in favor of _GRANTEE_. _LIBER (instrument) 2019-0456153 _PURPOSE_<br> A Solar Panel Agreement from XX dated and filed on Dec XX, 2019 in XX, of the official property records of _GetPropertyCounty_1_, _GetPropertyState_1_ in the amount of _AMOUNT_ and in favor of _GRANTEE_. _LIBER (instrument)XX _PURPOSE_" |  |  |
| 190 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mtg Recorded on XX/XX/XXXX as Instruement No. XXXX-XXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1521.58 | $0.00 | $1521.58 | "Property Type: Manufactured Home<br> Application To Exempt A Manufactured Structure From Title And Registration Requirements recorded on 06/XX/2005 in Instrument No. XX" | Annual: <br> 2025 County Tax Amount: $1,475.93 Paid at Discount (Base Amount: $1,521.58) |  |
| 2454 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Inst No. XXXXXXXXXXXX | XX | 1 | Y | XX | 11/XX/2017 | "To Modify Principal Amount, Maturity Date for Mortgage Inst No. XXXXXXXXXXXX " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3005.04 | $0.00 | $3005.04 | "Property Type is Single Family Residence.<br> Found a break in chain between the assignment recorded on 07/XX/2010 as Instrument No. XX and the assignment recorded on 02/XX/2014 as Instrument No. XX." | 2025 Taxes 1st half is paid in the amount of $1502.52 on 2/XX/2026<br> and 2nd half is due in the amount of $1502.52 due by 7/XX/2026. Exemption : Owner occupancy. |  |
| 1821 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage in Book XXX, Page XXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type: Single Family Residence" | Taxes are not available online, therefore taxes amount shown as "$0.00" |  |
| 1409 | XX | Delinquent or Unpaid Taxes, Subject Not in 1st Position, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage as Inst No. XX-XXXXXXX in Book/Page XX XXXX/XXX | XX | 2 | N |  |  |  | 1 | XX | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4975.63 | $0.00 | $4975.63 | "Property type is Single Family Residence.<br> Petition, Statement and Waiver Recorded on 01/XX/2024 in Instrument No. XX as Book XX Page XX.<br> Transfer on Death Designation Affidavit Recorded on 04/XX/2025 in Instrument No.XX as Book XX Page XX." | 2025 Taxes 1st half is paid in the amount of $2496.10 on 2/XX/2026<br> and 2nd half is due in the amount of $2479.53 due by 7/XX/2026. Exemption : Owner occupancy. |  |
| 2044 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage in Inst No. XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2206.12 | $0.00 | $2206.12 | "Property type is Single Family Residence.<br> No Current/Expired Lis Pendens Located.<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property.<br> Grant of Easement Recorded on 08/XX/2006 in Book XX Page XX as Instrument No. XX." | 2025 school Tax- $4,444.19 PAID on 09/XX/2025 |  |
| 2168 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust Book/Page XXX/XXXX | XX | 1 | Y | XX | 9/XX/2016 | "To Modify Principal Amount, Maturity Date for Deed of Trust Book/Page XXXX/XXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $304.90 | $0.00 | $0.00 | $0.00 | XX | XX | $2557.24 | $0.00 | $2557.24 | "Property Type is Single Family Residence.<br> Order Sheet County is XX However Property Located in XX County." | 2026 Taxes 1st half is paid in the amount of $1278.62 on 5/XX/2026<br> and 2nd half due in the amount of $1278.62 due by 12/XX/2026. |  |
| 1282 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage at Instrument no. XXXXXXXXXX. | XX | 1 | Y | XX | 12/XX/2013 | "Modify principal amount and extended maturity date to XX/XX/XXXX for Mortgage at Instrument no. XXXXXXXXXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5848.99 | $0.00 | $5848.99 | "Property Type is Single Family Residence." | 2024 1st half taxes are paid in the amount of $2926.72 on 3/XX/2025<br> 2nd half taxes are paid in the amount of $2922.27 on 12/XX/2025.<br>2025 Taxes 1st half is paid in the amount of $3216.93 on 4/XX/2026 and 2nd half is not yet available. Exemption : Homeowner. |  |
| 1939 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage at Book/Page XXXX/XXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8956.03 | $0.00 | $8956.03 | "Property Type is Single Family Residence.<br> Property ordered as 'XX', but located as 'XX." | 2025 1st qtr taxes are paid in $2,145.70, 2nd qtr taxes are paid in $2,145.69, 3rd qtr taxes are paid in $2,274.53, 4th qtr taxes are paid in $2,390.11.<br> 2026 1st qtr taxes paid in $2,239.01, 2nd qtr taxes paid in $2,239.01, 3rd qtr tax due in $2,373.41 on 08/XX/2026 and 4th qtr taxes not yet available.<br> Taxes collected by Township |  |
| 1430 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Inst. XXXXXXXXX. | XX | 1 | Y | XX | 11/XX/2021 | "Modify principal amount and extended maturity date to XX/XX/XXXX for Mortgage at Inst. XXXXXXXXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $1338.06 | $0.00 | $1338.06 | "Property Type is Single Family Residence." | 2025 1st half taxes are paid in the amount of $669.03 and 2nd half taxes are paid in the amount of $669.03.<br> Head Of Household |  |
| 840 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage in Inst No. XXXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7320.68 | $0.00 | $7320.68 | "Property Type is Multi Family.<br> No Current/Expired Lis Pendens Located<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property." | 2027 1st qtr taxes are due in $1,830.17, 2nd qtr taxes are due in $1,830.17, 3rd qtr taxes are due in $1,830.17, 4th qtr taxes are due in $1,830.17<br> No assessment breakdown. |  |
| 1447 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust Instrument no. XXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5678.49 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $968.62 | $0.00 | $968.62 | "Property Type is Condominium." | 2026 Taxes 1st half is paid in the amount of $484.31 on 5/XX/2026<br> and 2nd half due in the amount of $484.31 due by 12/XX/2026. |  |
| 627 | XX | Federal Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage as Inst No. XXXXXX in Book/Page XX XXXXX/XX | XX | 1 | Y | XX | 10/XX/2024 | "To Modify Principal Amount and Maturity date for Mortgage Book/Page XXXXX/XX, as Instrument No. XXXXXX" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $301654.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $3465.51 | $0.00 | $3465.51 | "Property type is Single Family Residence." | 2025 taxes are paid in the amount of $3,465.51 on 11/XX/2025<br> No assessment breakdown.<br> Homestead |  |
| 568 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXX-XXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 2 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $15313.50 | $0.00 | $15313.50 | "Property Type: Single Family Residence" |  |  |
| 493 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Security Deed Book/Page XXXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3926.83 | $0.00 | $3926.83 | "Property Type is Single Family Residence." | 2025 taxes are paid in the amount of $3,926.83<br> Homestead |  |
| 626 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage as Inst No. XXXXXX in Book/Page XX XXXX/XXX | XX | 1 | Y | XX | 12/XX/2025 | "To Modify Principal Amount and Maturity date for Mortgage Book/Page XXXX/XXX, as Instrument No. XXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4517.99 | $0.00 | $4517.99 | "Property type is Single Family Residence.<br> Deed 1575/488; Deed Re-Recorded in Book 1683 Page 26, Recorded on 06/XX/2001 Correct to The Purpose of Including the 30' access, Ingress and Egress Easement conveyed herein." | 2025 Taxes are paid in the amount of $4,517.99 on 11/XX/2025. No assessment breakdowns available. |  |
| 494 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Security Deed at Book/Page XXXX/XXXX, as Inst. XXXX-XXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $939.87 | $0.00 | XX | XX | $2511.73 | $0.00 | $2511.73 | "Property Type is Single Family Residence." | 2025 County taxes are paid in the amount of $2,511.73 on 10/XX/2025.<br> 2025 City Tax- Paid, base amount not available<br> Homestead<br> No assessment breakdown. |  |
| 2261 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Security Deed at Book/Page XXX/XXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3412.82 | $0.00 | $3412.82 | "Property Type is Single Family Residence." | 2025 taxes are paid in the amount of $3,412.82<br> No assessment breakdown. |  |
| 2262 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Security Deed at Book/Page XXX/XXX. | XX | 1 | Y | XX | 2/XX/2013 | "Modify principal amount and extended maturity date to XX/XX/XXXX for Security Deed at Book/Page XXXX/XXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2659.41 | $0.00 | $2659.41 | "Property Type is Single Family Residence." | 2025 Taxes are paid in the amount of $2659.41 on 12/XX/2025. Exemption : Homestead. |  |
| 1923 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage in Book/Page XX XXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7796.28 | $0.00 | $7796.28 | "Property type is Single Family Residence.<br> Order sheet address is "XX". However, Property located in "XX"." | 2024 1st half taxes are paid in the amount of $3898.14 on 7/XX/2025<br> 2nd half taxes are paid in the amount of $3898.14 on 1/XX/2026. |  |
| 1036 | XX | Subject Mortgage Foreclosed | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust Instrument no. XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7190.16 | $0.00 | $7190.16 | "Property Type is Single Family Residence.<br> Found a break in chain between the assignment recorded on 10/XX/2014 as Instrument No. XX and the assignment recorded on 07/XX/2021 as Instrument No. XX. and the assignment recorded on 09/XX/2021 as Instrument No. XX. and The assignment recorded on 09/XX/2021 as Instrument No. XX." | 2025 1st half taxes are paid in the amount of $3,595.08 on 3/XX/2025<br> 2nd half taxes are paid in the amount of $3,595.08 on 9/XX/2025.<br> 2026 Taxes 1st half is paid in the amount of $3,642.29 on 3/XX/2026 and 2nd half is not yet available. |  |
| 1438 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust at Inst. XXXX-XXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $19903.17 | $0.00 | XX | XX | $5271.10 | $0.00 | $5271.10 | "Property Type is Single Family Residence.<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Deed of Trust supporting Vendors lien is still open.<br> Statutory Durable Power of Attorney Recorded on 05/XX/2007, as Instrument no. XX.<br> Assumed Name Certificate Recorded on 12/XX/2016, as Instrument no. XX.<br> Assumed Name Certificate Recorded on 12/XX/2016, as Instrument no. XX." | 2025 Taxes are paid in the amount of $5,271.10 on 12/XX/2025. <br> No assessment breakdowns available. No agriculture. Exemption : Homestead. No city. Acreage : XX |  |
| 386 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust Instrument no. XXXX-RXXXXXXX | XX | 1 | Y | XX | 7/XX/2017 | "To Modify Principal Amount, Maturity Date for Deed of Trust Instrument no. XXXX-RXXXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $221.89 | $0.00 | $221.89 | "Property Type is Single Family Residence.<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Voluntary Designation of Homestead Recorded on 01/XX/2004 as Book/Page XX at Instrument no. XX<br> Deed of Trust supporting Vendor's lien is satisfied.<br>" | 2025 Taxes are paid in the amount of $221.89 on 12/XX/2025. No assessment breakdowns available. No agriculture . Exemption : Homestead. In city. Acreage : 0.0. |  |
| 541 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust Inst No. DXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3536.19 | $0.00 | $3536.19 | "Property type is Single Family Residence.<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Deed of Trust supporting Vendor's lien is still open." | 2025 Taxes are paid in the amount of $3536.19 on 12/XX/2025. No assessment breakdowns available. No agriculture .No Homestead. In city. Acreage XX |  |
| 2017 | XX | Delinquent or Unpaid Taxes, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Instrument no. XXXXXXXXXXXXX | XX | 1 | Y | XX | 9/XX/2016 | "To Modify Principal Amount, Maturity Date for Mortgage Instrument no. XXXXXXXXXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6489.48 | $0.00 | $6489.48 | "Property Type is Single Family Residence.<br> Stipulation Cancelling Notice of Pendency Recorded on 12/XX/2016 as Index no. XX.<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property.<br> Applicants "XX" are not in title." | 2027 1st qtr taxes are due in $1,622.37, 2nd qtr taxes are due in $1,622.37, 3rd qtr taxes are due in $1,622.37, 4th qtr taxes are due in $1,622.37<br> No assessment breakdown. |  |
| 902 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XX XXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7125.67 | $0.00 | $7125.67 | "Property Type: Single Family Residence" |  |  |
| 1176 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Inst No. XXXX-XXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $944.32 | $0.00 | $944.32 | "Property type is Single Family Residence.<br> Notice Recorded on 07/XX/2011, as Inst No.XX | 2025 taxes are paid in the amount of $944.32<br> Homestead |  |
| 2514 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Book/Page XXXX/XXXX Inst No.XXXXXXXXX | XX | 1 | Y | XX | 1/XX/2012 | "To Modify Principal Amount, Maturity Date for Mortgage Book/Page XXXXX/XXXX Inst No.XXXXXXXXX " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2335.98 | $0.00 | $2335.98 | "Property Type is Single Family Residence." | 2025 1st half taxes are paid in the amount of $622.55 and 2nd half taxes are paid in the amount of $1,713.43<br> no assessment breakdown.<br> PRE exemption<br> Taxes collected by Township |  |
| 2075 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Book/Page XXXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 2 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type is Single Family Residence." | TAXES UNAVAILABLE ONLINE |  |
| 2053 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage in Inst No. XXXXXXXXXXXXXXX | XX | 1 | Y | XX | 4/XX/2017 | "To Modify Principal Amount and Maturity date for Mortgage as Instrument No. XXXXXXXXXXXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3038.49 | $0.00 | $3038.49 | "Property type is Single Family Residence." | 2026 County/Town/School taxes are in the amount of $3038.49 payment details and status Not available online. NO Exemptions, Assessment breakdown N/A. |  |
| 2225 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage as Inst No. XXXXXXXXX in Book/Page XX XXXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $622.20 | $0.00 | $622.20 | "Property type is Single Family Residence." | 2025 Taxes are paid in the amount of $622.20 on 12/XX/2025. No assessment breakdowns available. |  |
| 236 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Instrument no. XXXX-XXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3773.05 | $0.00 | $3773.05 | "Property Type is Single Family Residence." | 2025 taxes are paid in the amount of $3,773.05 on 12/XX/2025 NO priors, No exemptions, Assessment breakdown N/A. |  |
| 2397 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust Inst No. XXXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1912.06 | $0.00 | $1912.06 | "Property type is Single Family Residence." | 2025 County tax is paid in the amount of $1912.06 on 12/XX/2025. 2025 City tax is paid in the amount of $2618.24 on 2/XX/2026. No assessment breakdowns available. |  |
| 233 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust Instrument no. XXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3577.44 | $0.00 | $3577.44 | "Property Type is Single Family Residence.<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Deed of Trust supporting Vendor's lien is still open." | 2025 Taxes are paid in the amount of $3577.44 on 12/XX/2025.<br> No assessment breakdowns available. No agriculture. No Homestead. In city. Acreage :XX |  |
| 1053 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust at Book/Page XXXX/XXX, Inst. XXXXXXXXXXX and Re-recorded Deed of Trust at Book/Page XXXX/XXXX, Inst. XXXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5442.38 | $0.00 | $5442.38 | "Property Type is Single Family Residence.<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Deed of Trust supporting Vendor's lien is still open." | 2025 Taxes are paid in the amount of $5442.38 on 12/XX/2025. <br> No assessment breakdowns available. No Agriculture. No Homestead. In city. Acreage : XX |  |
| 2702 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust Instrument no. XXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $12620.23 | $0.00 | $12620.23 | "Property Type is Single Family Residence.<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Designation of Residence and Affidavit of Nonhomestead Recorded on 03/XX/2026 as Instrument no. XX.<br> Deed of Trust supporting Vendor's lien is satisfied.<br>" | 2025 Taxes are paid in the amount of $12,620.23 on 1/XX/2026. <br> No assessment breakdowns available. No agriculture. Exemption : Homestead. In city. Acreage : 0.0. |  |
| 1482 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Book/Page XXX/XXXX, Inst No. XXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type is Single Family Residence." | TAXES UNAVAILABLE ONLINE/calling |  |
| 1110 | XX | State Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Instrument no. I-XXXX-XXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $1196.43 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $1735.00 | $0.00 | $1735.00 | "Property Type is Single Family Residence.<br> Found a break in chain between the Mortgage recorded on 12/XX/2004 as Instrument No. XXand the assignment recorded on 03/XX/2020 as Instrument No.XX<br> A UCC instrument from XX or XX dated Aug XX, 2023 and filed on Aug XX, 2023 in(book) XX(page) XX(instrument) XX, of the official property records of _COUNTY_ County, _STATE_ in favor of _GRANTEE_. _PURPOSE_" | 2025 Taxes are paid in the amount of $1,735.00 on 12/XX/2025. Exemption : Homestead. |  |
| 2788 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage in Inst No. XXXXXXXXXXX | XX | 1 | Y | XX | 2/XX/2016 | "To Modify Principal Amount and Maturity date for Mortgage as Instrument No. XXXXXXXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1253.84 | $0.00 | $1253.84 | "Property type is Single Family Residence." | 2025 1st half taxes are paid in the amount of $626.92 on 10/XX/2025<br> 2nd half taxes are paid in the amount of $626.92 on 5/XX/2026. No assessment breakdowns available. |  |
| 2109 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Instrument no. XXXXXXXXXX | XX | 1 | Y | XX | 1/XX/2026 | "To Modify Principal Amount, for Mortgage Instrument no. XXXXXXXXXX" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type is Single Family Residence." | County/Town/School taxes are Unavailable online, |  |
| 846 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage at Book/Page XXX/XXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type is Single Family Residence." | Taxes not available. No verbal information from tax collector. Exemption : Homestead. |  |
| 463 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage as Inst No. XXXXXX in Book/Page XX XXXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property type is Single Family Residence." | Taxes not available. No verbal information from tax collector. No assessment breakdowns available. |  |
| 464 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Book/Page XXX/XXXX, Inst No. XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $468.00 | $0.00 | $468.00 | "Property Type is Single Family Residence." | 2026 Taxes are paid at discount in the amount of $458.64 on 2/XX/2026. No assessment breakdowns available. Exemption : Homestead. |  |
| 1065 | XX | Delinquent or Unpaid Taxes, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | X) Mortgage at Instrument no. XXXXXXXXX. X) Corrective Gap Assignment to remedy a gap in the recorded ownership interest between the Assignment of Mortgage Recorded on XX/XX/XXXX, as File# XXXXXXXXX and the Assignment of Mortgage Recorded on XX/XX/XXXX, as File# XXXXXXXXX. | XX | 1 | Y | XX | 6/XX/2009 | "Modify principal amount and extended maturity date to XX/XX/XXXX for Mortgage at Instrument no. XXXXXXXXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $692.06 | $0.00 | $692.06 | "Property Type is Single Family Residence." | 2025 1st half taxes are paid in the amount of $346.03 and 2nd half taxes are due in the amount of $346.03 |  |
| 60 | XX | Delinquent or Unpaid Taxes, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage in Book/Page XX XXXX/XXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6162.08 | $0.00 | $6162.08 | "Property type is Single Family Residence.<br> Notice of Lis Pendens Recorded on 08/XX/2021 in Index No. XX<br> Estate of XX is mentioned in order sheet. However, not found Estate for XX.<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property." | 2027 1st qtr taxes are due in the amount of $1,540.52 on 7/XX/2026 2nd qtr taxes are due in the amount of $1,540.52 on 10/XX/2026 3rd qtr taxes are due in the amount of $1,540.52 on 1/XX/2027 and 4th qtr taxes due in the amount of $1,540.52 on 4/XX/2027.No Priors No Exemptions, Assessment breakdown N/A. |  |
| 2000 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Book/Page XXX/XXX, Inst. XXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2284.40 | $0.00 | $2284.40 | "Property Type is Single Family Residence.<br> No Current/Expired Lis Pendens Located.<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property." | 2025 school Tax- $3,662.16 PAID<br> No assessment breakdown.<br> STaR Savings |  |
| 2026 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | 1 | N |  |  |  | 0 | $0.00 | 2 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1831.55 | $0.00 | $1831.55 | "Property type is Single Family Residence.<br> No Current/Expired Lis Pendens Located.<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property." | 2026 General 1st half taxes are paid in the amount of $915.78 on 2/XX/2026 2nd half taxes are due in the amount of $915.77 on 8/XX/2026. and 2026 School 1st half taxes are paid in the amount of $3539.28 on 11/XX/2025 2nd half taxes are paid in the amount of $3539.28 on 5/XX/2026 No priors, No exemptions, Assessment breakdown N/A. |  |
| 357 | XX | Subject Not in 1st Position | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage as Inst No. XXXXXXXXXXXX in Book/Page XX XXXXX/XXX | XX | 2 | N |  |  |  | 1 | XX | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $11411.59 | $0.00 | XX | XX | $942.11 | $0.00 | $942.11 | "Property type is Single Family Residence.<br> No Current/Expired Lis Pendens Located<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property." | 2025 school Tax- $1,072.18 PAID<br> 2026 village Tax 1st Half- $821.50 DUE on 07/XX/2026<br> 2026 village Tax 2nd Half- $821.49 DUE on 08/XX/2026 |  |
| 1367 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Book/Page XXXX/XXXX, Inst No. XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $30315.81 | $0.00 | XX | XX | $5753.18 | $0.00 | $5753.18 | "Property Type Is Single Family Residence.<br> No Current/Expired Lis Pendens Located.<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property.<br> Found a break in chain between the assignment recorded on 07/XX/2021 as Instrument No. XX and the assignment recorded on 03/XX/2022 as Instrument No. XX." | 2026 County/Town taxes are paid in the amount of $5,753.18 on 01/XX/2026, 2025 School taxes are paid in the amount of $5,365.11 on 10/XX/2025, No Priors, No exemptions, Assessment breakdown N/A. |  |
| 1731 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Book/Page XXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2213.27 | $0.00 | $2213.27 | "Property Type is Single Family Residence.<br> No Current/Expired Lis Pendens Located.<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property." | 2025 school Tax- $5,371.37 PAID<br> No assessment breakdown. |  |
| 182 | XX | State Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Book/Page XXX/XXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 2 | XX | $0.00 | $711.99 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $717.65 | $0.00 | $717.65 | "Property Type is Single Family Residence.<br> No Current/Expired Lis Pendens Located." | 2025 school Tax-$284.70 PAID on 09/XX/2025. |  |
| 1366 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Dot Recorded On X/XX/XXXX Book XXX Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5246.50 | $0.00 | $5246.50 | "Property Type: Single Family Residential<br>" | 2025 County Tax $5,210.03 Paid with discount(1st and 2nd half tax)(Base Amount $5246.50) |  |
| 2582 | XX | Subject Not in 1st Position | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | X. Mortgage Instrument No. XXXXXXXXXX. X. Gap Assignment is Being Recorded To Correct The Chain of Title, Assignment is Intended To Be Inserted Between The Assignment Recorded On XX/XX/XXXX In Instrument No. XXXXXXXXXX And The Assignment Recorded Om XX/XX/XXXX In Instrument No. XXXXXXXXXX. | XX | 2 | N |  |  |  | 1 | XX | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3360.05 | $0.00 | $3360.05 | "Property Type is Condominium." | 2024 1st half taxes are paid in the amount of $1774.77 on 3/XX/2025<br> 2nd half taxes are paid in the amount of $1585.28 on 12/XX/2025.<br>2025 Taxes 1st half is paid in the amount of $1848.04 on 4/XX/2026 and 2nd half is not yet available. Exemption : Homeowner. |  |
| 1436 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Instrument no. XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1552.46 | $0.00 | $1552.46 | "Property Type is Single Family Residence.<br> Discharge of Assignment Recorded on 09/XX/2017 as Instrument no. XX is Assignment Recorded on 11/XX/2002 as Instrument no. XX." | 2024 1st half taxes are paid in the amount of $542.62 on 3/XX/2025<br> 2nd half taxes are paid in the amount of $1009.84 on 12/XX/2025.<br>2025 Taxes 1st half is paid in the amount of $853.85 on 4/XX/2026 and 2nd half is not yet available.<br> Exemption : Homeowner. |  |
| 2165 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Assignment in DOT XXXXXXXXX | XX | 1 | Y | XX | 3/XX/2013 | "LOAN MODIFICATION AGREEMENT IN DOT " XXXXXXXXX "" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1474.04 | $0.00 | $1474.04 | "Property Type: SFR" |  |  |
| 691 | XX | Federal Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXX-XXXXXXXX-X | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $27105.97 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $3676.34 | $0.00 | $3676.34 | "Property Type: Single Family Residence" |  |  |
| 572 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Mortgage Instrument No. XXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $236.00 | $0.00 | $0.00 | $0.00 | XX | XX | $3766.66 | $0.00 | $3766.66 | "Property Type: Single Family Residence" |  |  |
| 1765 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Assignment of Deed of Trust instrument No. XXXX-XXXXXXX and XXXX-XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8029.70 | $0.00 | $8029.70 | "Property Type: Single Family Residence" |  |  |
| 2848 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXX-XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6371.45 | $0.00 | $6371.45 | "Property Type: Single Family Residence" |  |  |
| 1754 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Mortgage Book XXXXXXX, Page XXX. | XX | 1 | Y | XX | 1/XX/2015 | "To Modify the Loan Amount and Maturity Date" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $808.02 | $0.00 | $603.42 | $0.00 | XX | XX | $6276.90 | $0.00 | $6276.90 | "Property Type: Single Family Residence" |  |  |
| 2819 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXXXXX | XX | 1 | Y | XX | 12/XX/2021 | "To modify the Loan Amount and Maturity Date " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2621.01 | $0.00 | XX | XX | $3477.36 | $0.00 | $3477.36 | "Property Type: Single Family Residence" |  |  |
| 1737 | XX | Address Variation, Subject Not in 1st Position | **FAIL** | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | N/A |  | XX | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXXXXX | XX | 2 | N |  |  |  | 1 | XX | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4500.22 | $0.00 | $4500.22 | "Property Type: Single Family Residence<br> Variance City: XX" |  |  |
| 2829 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XX-XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7140.71 | $0.00 | XX | XX | $3295.47 | $0.00 | $3295.47 | "Property Type: Condominium<br> Address Variance: XX" |  |  |
| 2389 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG XXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $422.91 | $0.00 | $422.91 | "PROPERTY TYPE: SINGLE FAMILY RESIDENCE" |  |  |
| 1994 | XX | Delinquent or Unpaid Taxes, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage in Inst No. XXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2721.08 | $0.00 | $2721.08 | "Property type is Condominium<br> Order Canceling Lis Pendens and Discontinuing Action Recorded on 05/XX/2026 in Index No. XX<br> Durable General Power of Attorney Recorded on 04/XX/2005 in Instrument No. XX.<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property.<br> 1. Order sheet address is "XX. However Mortgage Instrument No. XX, Property located in "XX<br>2. Order sheet address is "XX". However Mortgage Instrument No. XX, Property located in "XX."" | 2027 1st qtr taxes are due in $680.27, 2nd qtr taxes are due in $680.27, 3rd qtr taxes are due in $680.27, 4th qtr taxes are due in $680.27<br> No assessment breakdown. |  |
| 1154 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Instrument no. XXXXXXXX. | XX | 1 | Y | XX | 3/XX/2014 | "Modify principal amount and extended maturity date to XX/XX/XXXX for Mortgage at Instrument no. XXXXXXXX." | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3022.42 | $0.00 | $3022.42 | "Property Type is Single Family Residence." | 2025 Taxes 1st half is paid in the amount of $1,511.21 on 2/XX/2026<br> and 2nd half is due in the amount of $1,511.21 due by 7/XX/2026. |  |
| 1942 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXX, Page XX and Inst.No.XXXXXXX | XX | 1 | Y | XX | 6/XX/2011 | "To Modify the Loan Amount, MTG recorded on XX/XX/XXXX, in Book XXXX, Page XXX and Inst.No.XXXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $10925.27 | $0.00 | $10925.27 | "Property Type: Single Family Residential<br>Corrective deed recorded for the purpose : The Purpose of the is Deed is to Correct the Name of the Grantee and to Correct the Block Number<br> Note:Deed-(XX) Ownership is transferring hence provided in deed section" | Quarterly: <br> 2026 County Tax 1st Qtr amount $2,731.32 Paid<br> 2026 County Tax 2nd Qtr amount $2,731.32 Paid<br> 2026 County Tax 3rd and 4th Qtr Unavailable |  |
| 2886 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust instrument No. XXXX-XXXXX | XX | 1 | Y | XX | 11/XX/2020 | "To modify the loan amount and maturity date " | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2818.28 | $0.00 | $2818.28 | "Property Type: Single Family Residence" |  |  |
| 633 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXXX, Page XXX and Inst.No.XXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1997.83 | $0.00 | $1997.83 | "Property Type: Single Family Residential<br> Certificate of Death recorded on 02/XX/2006, in Book 08483, Page 1445 and Instrument No.XX." | No assessment breakdown provided.<br> Annual: 2025 County Tax amount $1,917.92 Paid at discount (Base Amount $1,997.83) |  |
| 1211 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXXX, Page XXX and Inst.No.XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8861.66 | $0.00 | $8861.66 | "Property Type: Single Family Residential <br> " | Quarterly: <br> 2026 County Tax 1st Qtr amount $2,215.42 Paid<br> 2026 County Tax 2nd Qtr amount $2,215.41 Paid<br> 2026 County Tax 3rd and 4th Qtr Unavailable |  |
| 1317 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXX-XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $846.08 | $0.00 | $2296.27 | $0.00 | XX | XX | $1840.70 | $0.00 | $1840.70 | "Property Type: Single Family Residence<br> Declaration of Homestead, recorded on 09/XX/2018 in Instrument No. XX." |  |  |
| 1188 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Mortgage Instrument No. XXXXXXXX. | XX | 1 | Y | XX | 3/XX/2014 | "To modify the loan amount XXXXXX.XX and maturity date XX/XX/XXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3143.67 | $0.00 | $3143.67 | "Property Type: Condominium" |  |  |
| 519 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Mortgage as Instrument No. XXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $10264.61 | $0.00 | $10264.61 | "Property Type: Single Family Residence" |  |  |
| 1612 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Instrument No. XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5528.76 | $0.00 | $5528.76 | "Property Type: Single Family Residential<br> Dissolution or Decree of Divorce entered on 10/XX/2003, in Case No. XX between XX, Petitioner/Plaintiff, and XX Respondent/Defendant.<br> Tax Entity: XX County" |  |  |
| 2578 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on XX/XX/XXXX in Instrument No. XXXXRXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $17031.10 | $0.00 | XX | XX | $7797.28 | $0.00 | $7797.28 | "Property Type: Single Family Residential" |  |  |
| 1265 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX in Instrument No. XXXXRXXXXXXX | XX | 1 | Y | XX | 8/XX/2007 | "MTG recorded on XX/XX/XXXX in Instrument No. XXXXRXXXXXXX to correct the property address" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3457.84 | $0.00 | $3457.84 | "Property Type: Condominium" | No Assessment Breakdown Provided. <br> Annual: <br> 2025 County Tax Amount: $3,423.26 Paid at Discount (Base Amount: $3,457.84) |  |
| 961 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage recorded on XX/XX/XXXX in Instrument No. XXXXXXXXX | XX | 1 | Y | XX | 7/XX/2015 | "To modify the loan amount. Mortgage recorded on XX/XX/XXXX in Instrument No. XXXXXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3040.88 | $0.00 | $3040.88 | "Property Type: Single Family Residential<br> Limited Power of Attorney recorded on 4/XX/2014 in Instrument No. XX" |  |  |
| 1575 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage recorded on XX/XX/XXXX in Instrument No. XXXXR-XXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1618.52 | $0.00 | $1618.52 | "Property Type: Single Family Residential" |  |  |
| 2352 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX in Instrument No. XXXXXXXXXX | XX | 1 | Y | XX | 10/XX/2022 | "MTG recorded on XX/XX/XXXX in Instrument No. XXXXXXXXXX to modify the principal amount" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1208.31 | $0.00 | $1208.31 | "Property Type: Single Family Residential" | No Assessment Breakdown Provided. <br> Annual: <br> 2025 County Tax Amount: $1,159.98 Paid at Discount (Base Amount: $1,208.31) |  |
| 477 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on XX/XX/XXXX in Instrument No. XXXXXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3903.38 | $0.00 | $3903.38 | "Property Type: Condominium" |  |  |
| 1287 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage in Book/Page XX MXXXXXXXX/XXX | XX | 1 | Y | XX | 5/XX/2018 | "To Modify Principal Amount and Maturity date for Mortgage Book/Page MXXXXXXXX/XXX. " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4810.86 | $0.00 | $4810.86 | "Property type is Single Family Residence.<br> No Current/Expired Lis Pendens Located<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property." | 2025 County/Town/School 1st half taxes are paid in the amount of $2,405.43 on 1/XX/2026 2nd half taxes are paid in the amount of $2,405.43 on 6/XX/2026. No Priors, Star savings exemptions, Assessment breakdown N/A. |  |
| 1876 | XX | Address Variation | **FAIL** | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  | XX | Y |  | XX | XX | XX | Mortgage Book/Page XXXXX/XXXX | XX | 1 | Y | XX | 4/XX/2016 | "To Modify Principal Amount, Maturity Date for Mortgage Book/Page XXXXXX/XXXX" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1299.78 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $2824.70 | $0.00 | $2824.70 | "Property Type is Single Family Residence.<br> Given Order Sheet Property Address is XX. However Property Located in XX" | 2025 Taxes are paid in the amount of $2824.70 on 12/XX/2025. <br> No assessment breakdowns available. Exemption : Homestead. |  |
| 2673 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Book/Page XXX/XXX, Inst No.XXXXXXX | XX | 1 | Y | XX | 10/XX/2024 | "To Modify Principal Amount, Maturity Date for Mortgage Book/Page XXXX/XXX, Inst No.XXXXXXX " | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $868.01 | $0.00 | $868.01 | "Property Type Is Single Family Residence." | 2025 taxes are paid in the amount of $868.01 on 12/XX/2025, No Priors, homestead Exemptions. |  |
| 580 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage in Inst No. XXXX-XXXXXX | XX | 1 | Y | XX | 6/XX/2013 | "To Modify Principal Amount and Maturity date for Mortgage as Instrument No. XXXX-XXXXXX" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7986.28 | $0.00 | $7986.28 | "Property Type is Townhouse.<br> Covenant Future Compliance with Zoning and Building Regulations Recorded on 09/XX/2007 in Instrument No. XX<br> Aircraft Noise Easement Recorded on 04/XX/2022 in Instrument No. XX<br> Aircraft Noise Easement Recorded on 06/XX/2022 in Instrument No. XX<br> Noise Disclosure Statement Recorded on 04/XX/2022 in Instrument No. XX<br> Noise Disclosure Statement Recorded on 06/XX/2022 in Instrument No. XX<br> Re-Record Warranty Deed Statutory Form Recorded on 05/XX/2005, as Inst No. XXTo Correct Show Block #XX." | 2025 Taxes are paid at discount in the amount of $7746.70 on 11/XX/2025. <br> No assessment breakdowns available. |  |
| 377 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage in Book XXX, Page XXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type: Single Family Residence" | Taxes are not available online, therefore taxes amount shown as $0.00.<br> "No tax assessment breakdown provided." |  |
| 1545 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage in Inst No. XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8395.60 | $0.00 | $8395.60 | "Property type is Single Family Residence.<br> Recapture Agreement Recorded on 03/XX/2019 in Instrument No. XX." | 2024 1st half taxes are paid in the amount of $4848.41 on 3/XX/2025<br> 2nd half taxes are paid in the amount of $3547.19 on 12/XX/2025.<br>2025 Taxes 1st half is paid in the amount of $4617.58 on 4/XX/2026 and 2nd half is not yet available. Exemption : Homeowner. |  |
| 536 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | X. Mortgage Instrument no. XXXXXXXXXX X. Assignment of Mortgage Being Filed to Correct Chain of Title. This Assignment Fills a Gap in the Chain Between Assignment Recorded On XX/XX/XXXX Inst# XXXXXXXXXX and Assignment Recorded On XX/XX/XXXX Inst# XXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $660.00 | $0.00 | $660.00 | "Property Type is Single Family Residence.<br> ADD" | 2025 taxes are paid in the amount of $660.00 on 12/XX/2025. |  |
| 999 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Book/Page XXX/X, at Inst No.XXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1142.70 | $0.00 | $1142.70 | "Property Type Is Single Family Residence.<br> Found a break in chain between the assignment recorded on 10/XX/2010 as Instrument No. XX and the assignment recorded on 02/XX/2012 as Instrument No. XX and the assignment recorded on 05/XX/2013 as Instrument No. XX and the assignment recorded on 07/XX/2013 as Instrument No. XX." | 2025 taxes are paid in the amount of $1142.70 on 12/XX/2025, No priors No exemptions Assessment breakdown N/A. |  |
| 2083 | XX | Address Variation | **FAIL** | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  | XX | Y |  | XX | XX | XX | Mortgage as Inst No. XXXXXXXXXXXX in Book/Page XX XXXX/XXXX | XX | 1 | Y | XX | 10/XX/2011 | "To Modify Principal Amount and Maturity date for Mortgage Book/Page XXXX/XXXX, as Instrument No. XXXXXXXXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "The Property Type is Single Family Residence.<br> Given Order sheet Property address is XX." However property found as Lot XX"" | Taxes not available. No verbal information from tax collector.<br> No assessment breakdowns available. |  |
| 2315 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX in instrument no. XXXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $808.04 | $0.00 | $808.04 | "Property Type: Single Family Residential<br> Application to XX recorded on 01/XX/2008 in Instrument No. XX Book/Page 2237/60 <br>" | No Assessment Breakdown Provided. <br> Annual: <br> 2025 County Tax Amount: $775.72 Paid at Discount (Base Amount: $808.04) |  |
| 2773 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust at Inst. XXXXXXXX. | XX | 1 | Y | XX | 5/XX/2022 | "Modify principal amount and extended maturity date to XX/XX/XXXX for Deed of Trust at Inst. XXXXXXXX." | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $979.90 | $847.86 | $1827.76 | "Property Type is Single Family Residence." | 2024 1st half partially and 2nd half taxes are delinquent total payoff $847.86 till 6/XX/2026 and 2025 1st half taxes are delinquent total payoff $529.49 till 6/XX/2026 and 2025 2nd half taxes are due in the amount of $489.95 on 6/XX/2026, No Exemptions. |  |
| 1432 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | TO ASSIGN MORTGAGE | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2970.62 | $0.00 | $2970.62 | "PROPERTY TYPE: SINGLE FAMILY RESIDENCE" |  |  |
| 199 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Instrument No. XXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1632.76 | $0.00 | $1632.76 | "Property Type: Single Family Residential" |  |  |
| 2360 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX in instrument No. XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5621.02 | $0.00 | $5621.02 | "Property Type: Single Family Residential<br> Notice of Commencement dated Apr XX, 2026, filed Apr XX, 2026, as (instrument) XX: $_AMOUNT_. _PURPOSE_" | No Assessment Breakdown Provided. <br> Annual: <br> 2025 County Tax Amount: $5,396.18 Paid at Discount (Base Amount: $5,621.02) |  |
| 169 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Book/Page XXX/XXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $572.06 | $0.00 | $572.06 | "Property Type is Single Family Residence.<br> Land Contract Recorded on 10/XX/1979, at Book/Page XX." | 2025 1st half taxes are paid in the amount of $288.04 and 2nd half taxes are paid in the amount of $284.02<br> no assessment breakdown.<br> PRE exemption<br> Taxes collected by Township |  |
| 74 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage in Book/Page XX XXXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property type is Mobile." | 2025 taxes are fully exempted With Homestead exemptions, Assessment breakdown N/A, No priors. |  |
| 2043 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | 1 | N |  |  |  | 0 | $0.00 | 4 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $10329.96 | $0.00 | $10329.96 | "Property type is Single Family Residence.<br> No Current/Expired Lis Pendens Located<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property." | 2026 County/Town taxes are paid in the amount of $10,329.96 on 01/XX/2026, 2025 School taxes are paid in the amount of $11,417.52 on 10/XX/2025, No Priors, Star savings exemptions, Assessment breakdown N/A. |  |
| 294 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Book/Page XXX/XXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $31301.52 | $13918.04 | $45219.56 | "Property Type is Commercial (Apartment).<br> Stipulation Canceling Lis Pendens at Index no. XX Filed 09/XX/2015.<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property." | 2027 1st half taxes are due in the amount of $15650.76 on 7/XX/2026 2nd half taxes are due in the amount of $15650.76 on 01/XX/2027.<br> 2027 Ref Charge are due in the amount of $13.00 due on 7/XX/2026 and $300.00 due on 01/XX/2027, 2025 and 2026 Ref Charges delinquent total payoff $13918.04 till 6/XX/2026. |  |
| 340 | XX | Subject Mortgage Not Found | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $0.00 | $246.17 | $0.00 | $246.17 | "Property type is SFR.<br> An easement dated dated Oct XX, 2007 and recorded Oct XX, 2007 in(book) XX(page) XX, of the official property records of _COUNTY_ County, _STATE_" |  |  |
| 2023 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Assignment of Mortgage | XX | 1 | Y | XX | 4/XX/2022 | "Loan Modification Agreement" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8822.62 | $0.00 | $8822.62 | "ONE FAMILY RESIDENTIAL<br> No Lis Pendens found" | TYPE IS 2025/2026 SCHOOL TAX<br> NO RELEVIES. NO ARREARS. EXEMPTIONS: 50 BASIC STAR<br> 35 VOLUNTEER FIREFIGHTERS AND AMB<br> 35 VOLUNTEER FIREFIGHTERS AND AMB<br>STAR SAVINGS $983.00<br> EXEMPTION(S) SAVINGS $720.52<br> ESTIMATED TAX WITHOUT EXEMPTION $7,266.93<br>SUBJECT TO CONTINUATION. |  |
| 2592 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage at Instrument no. XXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $300.00 | $0.00 | XX | XX | $6822.82 | $0.00 | $6822.82 | "Property Type is Single Family Residence." | 2024 1st half taxes are paid in the amount of $4284.54 on 3/XX/2025<br> 2nd half taxes are paid in the amount of $2538.28 on 12/XX/2025.<br>2025 Taxes 1st half is paid in the amount of $3752.55 on 4/XX/2026 and 2nd half is not yet available. Exemption : Homeowner. |  |
| 317 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage as Inst No. XXXXXXXXXX in Book/Page XX XXXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2418.22 | $0.00 | $2418.22 | "Property type is Single Family Residence." | 2025 taxes are paid in the amount of $2418.22 on 11/XX/2025, No Priors, No Exemptions, Assessment breakdown N/A. |  |
| 175 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Security Deed Book/Page XXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $743.38 | $0.00 | $743.38 | "Property Type is Single Family Residence." | 2025 taxes are paid in the amount of $743.38 on 12/XX/2025, No priors, Homestead Exemptions, Assessment breakdown N/A. |  |
| 1253 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Inst No. XXXX-XXXXXXXX | XX | 1 | Y | XX | 10/XX/2021 | "To Modify Principal Amount, Maturity Date for Mortgage Inst No. XXXX-XXXXXXXX " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $6818.58 | $0.00 | $6818.58 | "Property type is Single Family Residence.<br> Current Lis Pendens Located.<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property." | 2026 County/Town taxes are paid in the amount of $6,818.58 on 01/XX/2026, 2025 School taxes are paid in the amount of $6,057.82 on 9/XX/2025, No Priors, No exemptions, Assessment breakdown N/A. |  |
| 2070 | XX | Subject Not in 1st Position | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage at Book/Page XX/XXX. | XX | 2 | N |  |  |  | 1 | XX | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type is Single Family Residence.<br> Found a break in chain from Assignment at Book/Page XX, Recorded 10/XX/2007 to Assignment at Instrument no. XX, Recorded 01/XX/2012." | Taxes not available. No verbal information from tax collector. No assessment breakdowns available. |  |
| 1887 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage Instrument No. XXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type: Single Family Residence" | Taxes are not available online, therefore taxes amount shown as $0.00. |  |
| 1805 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX in instrument no. XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5649.21 | $0.00 | $5649.21 | "Property Type: Single Family Residential" | No Assessment Breakdown Provided. <br> Annual: <br> 2025 County Tax Amount: $5423.24 Paid at Discount (Base Amount: $5649.21) |  |
| 1405 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on X/XX/XXXX in instrument number XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $16543.10 | $0.00 | XX | XX | $4480.39 | $0.00 | $4480.39 | "Property Type: Single Family Residential<br> Same Name Affidavit recorded on 05/XX/2008 in Instrument no. XX Book/Page XX" | No Assessment Breakdown Provided. <br> Annual: <br> 2025 County Tax Amount: $4301.17 Paid at Discount (Base Amount: $4480.39) |  |
| 521 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage at Instrument no. XXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5733.72 | $0.00 | $5733.72 | "Property Type is Single Family Residence.<br> Property type is Abstract.<br> Contract for Deed Recorded on 04/XX/1994 as Instrument no. XX." | 2026 1st half taxes are paid in the amount of $2,866.86 and 2nd half taxes are due in the amount of $2,866.86 . |  |
| 1181 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | 1 | N |  |  |  | 0 | $0.00 | 2 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4995.45 | $0.00 | $4995.45 | "Property type is Single Family Residence.<br> No Current/Expired Lis Pendens Located.<br> Order sheet county is "XX County". However, Property located in XX County.<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property." | 2025 school Tax- $10,633.77 PAID on 09/XX/2025<br> STAR Savings<br> No assessment breakdown. |  |
| 1058 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Inst No.XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3674.65 | $0.00 | $3674.65 | "Property Type is Single Family ResidenceXX<br> A UCC instrument from XX dated Oct XX, 2020 and filed on Oct XX, 2020 in(instrument) XX, of the official property records of _COUNTY_ County, _STATE_ in favor of _GRANTEE_. _PURPOSE_<br> Affidavit/Declaration Of Truth Recorded on 10/XX/2012, as Inst No. XX<br> Affidavit/Declaration Of Truth Recorded on 10/XX/2012, as Inst No. XX<br> Certification Of Trust Recorded on 10/XX/2013, as Inst No. XX." | 2025 1st half taxes are paid in the amount of $1,837.33 and 2nd half taxes are paid in the amount of $1,837.32.<br> Homestead |  |
| 2641 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2319.85 | $0.00 | $2319.85 | "Property Type: Single Family Residential" |  |  |
| 1653 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXXX, Page XX and Inst.No.XXXXXXXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $12333.30 | $0.00 | XX | XX | $7546.72 | $0.00 | $7546.72 | "Property Type: Single Family Residential<br>" | Quarterly: <br> 2026 County Tax 1st Qtr amount $1,886.68 Paid<br> 2026 County Tax 2nd Qtr amount $1,886.68 Paid<br> 2026 County Tax 3rd Qtr Unavailable |  |
| 981 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Mortgage Instrument No. XXXX-XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3698.23 | $0.00 | $0.00 | $0.00 | XX | XX | $880.42 | $0.00 | $880.42 | "Property Type: Single Family Residence" |  |  |
| 2081 | XX | Subject Not in 1st Position, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage Instrument No. XXXXXXX | XX | 2 | Y | XX | 1/XX/2015 | "To modify the loan amount XXX,XXX.XX and maturity date XX/XX/XXXX" | 1 | XX | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type: Single Family Residential" | Taxes are not available online, therefore taxes amount shown as "$0.00" |  |
| 2090 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage Book XXXX and Page XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5871.19 | $0.00 | $0.00 | $0.00 | XX | XX | $0.00 | $0.00 | $0.00 | "Notary Commission & Oath recorded on 11/XX/2023 in Instrument No. XX in Book XX at Page XX.<br> Notary Bond recorded on 11/XX/2023 in Instrument No. XX in Book XX at Page XX.<br> Property Type: Single Family Residence" | Taxes are not available online, therefore taxes amount shown as $0.00.<br> No Assessment Breakdown provided.<br>2025 taxes are PAID |  |
| 2095 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage Instrument No. XXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type :Single Family Residence" | Taxes are not available online, therefore taxes amount shown as "$0.00" |  |
| 1421 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage Instrument No. XXXXXXXX | XX | 1 | Y | XX | 9/XX/2025 | "To modify the loan amount and maturity date " | 0 | $0.00 | 2 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3605.89 | $0.00 | $3605.89 | "Property Type: Single Family Residence<br> Limited Power of Attorney, recorded on 01/XX/2022, in Instrument No. XX<br> Limited Power of Attorney, recorded on 12/XX/2021, in Instrument No. XX" |  |  |
| 916 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXX-IXXXXXX-XX, Book XXX, Page XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $13315.16 | $0.00 | $13315.16 | "Property Type: Single Family Residency" |  |  |
| 810 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Assignment of Deed of Trust | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1059.60 | $0.00 | $1059.60 | "Property Type SFR" | 2025 Taxes:<br> 1ST Ins $529.80 Paid<br> 2ND Ins $529.80 Paid |  |
| 1468 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on X/XX/XXXX, in Book XXX, Page XXX and Inst.No.XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7915.17 | $0.00 | $7915.17 | "Property Type: Single Family Residential<br>Deed of Permanent Easement recorded on 09/XX/2008, in Book XX, Page XX and Instrument No.XX<br> Deed (Right-of-way) recorded on 09/XX/2008, in Book XX, Page XX and Instrument No. XX." | Quarterly: <br> 2026 County Tax 1st Qtr amount $1,978.80 Paid<br> 2026 County Tax 2nd Qtr amount $1,978.79 Paid<br> 2026 County Tax 3rd and 4th Qtr Unavailable |  |
| 621 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Security Deed at Book/Page XXXX/XXX, Inst. XXXX-XXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4734.83 | $0.00 | $4734.83 | "Property Type is Single Family Residence." | 2025 1st half taxes are paid in the amount of $2,423.70 and 2nd half taxes are paid in the amount of $2,311.13<br> No assessment breakdown.<br> Homestead |  |
| 2264 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Security Deed at Book/Page XXXX/XXX, as Inst. DXXXX-XXXXXX. | XX | 1 | Y | XX | 5/XX/2022 | "Modify principal amount and extended maturity date to XX/XX/XXXX for Security Deed at Book/Page XXXXX/XXX, as Inst. DXXXX-XXXXXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3835.44 | $0.00 | $3835.44 | "Property Type is Single Family Residence." | 2025 taxes are paid in the amount of $3,835.44 on 11/XX/2025<br> Homestead<br> No assessment breakdown. |  |
| 2119 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on XX/XX/XXXX in Instrument No. XXXXXXXXXXXXXXX | XX | 1 | Y | XX | 12/XX/2021 | "To modify the loan amount. Mortgage recorded on XX/XX/XXXX in Instrument No. XXXXXXXXXXXXXXX " | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7194.68 | $0.00 | $7194.68 | "Property Type: Single Family Residential" |  |  |
| 1335 | XX | Federal Tax Lien, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX in instrument no. XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $17702.26 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1607.88 | $0.00 | XX | XX | $1344.86 | $0.00 | $1344.86 | "Property Type: Single Family Residential<br> Affidavit Of Continuous Marriage recorded on 01/XX/1994 in instrument no. XX book/page XX<br>" | No Assessment Breakdown Provided. <br> Annual: <br> 2025 County Tax Amount: $1291.07 Paid at Discount (Base Amount: $1,344.86) |  |
| 344 | XX | Applicant Not in Title, Subject Mortgage Not Found | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type is Single Family Residence.<br> Current Lis Pendens Located.<br> At the time of our search through the NY Department of Tax & Finance and NY Department of State no liens were located on the property.<br> One of Applicant 'XX' is not in title." | County/Town /School taxes are paid and Amounts information not available online or Calling, Assessment breakdown N/A. |  |
| 2074 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage in Book XXX, Page XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type: Single Family Residence" | Taxes are not available online, therefore taxes amount shown as "$0.00"<br> No Assessment Breakdown provided. |  |
| 201 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | . | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $684.68 | $0.00 | $684.68 | "PROPERTY TYPE - SFR" | NO ASSESSMENT BREAKDOWN |  |
| 23 | XX | Subject Not in 1st Position | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | 2 | N |  |  |  | 1 | XX | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8972.74 | $0.00 | XX | XX | $2265.13 | $0.00 | $2265.13 | "Property Type: SFR<br> No lis pendens found of record." | 2025-26 School Taxes $4,074.66 paid on 9/XX/2025 - No Assessment Breakdown Provided. |  |
| 1704 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type: Single Family Residence" | Taxes are not available online, therefore taxes amount shown as "$0.00" |  |
| 2443 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | TO ASSIGN MORTGAGE | XX | 1 | Y | $0.00 | 10/XX/1996 | "NOTICE OF ENCUMBRANCE" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1509.86 | $0.00 | $1509.86 | "PROPERTY TYPE: SINGLE FAMILY RESIDENCE" |  |  |
| 219 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust instrument No. XXXX-XXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1369.00 | $0.00 | $1369.00 | "Property Type: Condominium" |  |  |
| 2887 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust instrument No. XXXX-XXXXXXX | XX | 1 | Y | XX | 7/XX/2022 | "To modify the loan amount and maturity date" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5125.52 | $0.00 | $5125.52 | "Property Type: Single Family Residence" |  |  |
| 1965 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Inst.No. XXXXX abd Book XXXX, Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $9332.04 | $0.00 | $9332.04 | "Property Type: Single Family Residential<br>" | Semi-annual: <br> 2026 County Tax 1st half amount $2333.01 Paid<br> 2026 County Tax 2nd half amount $2333.01 Paid<br> 2026 County Tax 3rd and 4th Unavailable |  |
| 2050 | XX | Subject Mortgage Foreclosed, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | N/A |  |  | N |  | XX | XX | XX | MTG XXXXXXXXXX (#XXXXXXXXX) | XX | 1 | Y | XX | 10/XX/2021 | "MTG #XXXXXXXXXX (#XXXXXXXXX)" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3615.37 | $0.00 | $3615.37 | "PROPERTY TYPE: SINGLE FAMILY RESIDENCE <br> APPLICANT XX<br> APPLICANT WENT THROUGH FORECLOSURE<br> SUBJECT MTG HAS 2 INSTRUMENT NUMBERS THAT REFER TO IT. THE CONTROL # ON THE DOCUMENT (XX) AND THE INTRUMENT # USED FOR INDEXING (XX)." | 1ST INSTALL COUNTY TAXES, 2ND INSTALL SCHOOL TAXES |  |
| 2446 | XX | Delinquent or Unpaid Taxes, Subject Not in 1st Position | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Mortgage Book XXXXX, Page XX and Instrument No. XXXXXXXXXX. | XX | 2 | N |  |  |  | 1 | XX | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1779.22 | $0.00 | $1779.22 | "Property Type: Single Family Residence" |  |  |
| 462 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage Instrument No.XXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type: Single Family Residence" | Taxes are not available online, therefore taxes amount shown as "$0.00" |  |
| 1076 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXX-XXXXXXX-XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3323.86 | $0.00 | $3323.86 | "Property Type: Single family Residence" |  |  |
| 400 | XX | Address Variation | **FAIL** | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  | XX | Y |  | XX | XX | XX | To reference Mortgage Instrument No. XX-XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1267.60 | $0.00 | XX | XX | $352.26 | $0.00 | $352.26 | "Property Type: Single Family Residence<br> Street<br> Ordinance Amending Zoning in the District Map of City of XX Zoning Ordinance recorded on 05/XX/1998 in Instrument No. XX<br> Recapture Agreement recorded on 06/XX/2015 in Instrument No.XX." |  |  |
| 1057 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1258.30 | $0.00 | $1258.30 | "Property Type: Single Family Residence" |  |  |
| 274 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mtg Recorded On XX/XX/XXXX Instrument No. XXXXXXXX-XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1649.94 | $0.00 | $1649.94 | "Property type : Single Family Residential" |  |  |
| 2376 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage Book XXXX, Page XXX | XX | 1 | Y | XX | 7/XX/2022 | "To Modify Loan Amount and Maturity Date" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $593.94 | $0.00 | $593.94 | "Property Type: Single Family Residence" |  |  |
| 2683 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG recorded on XX/XX/XXXX in instrument no. XXXX-XXXXXXXX | XX | 1 | Y | XX | 5/XX/2021 | "to modify the principal amount" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $589.63 | $0.00 | $589.63 | "Property Type: Single Family Residential<br> An easement dated dated Sep XX, 2010 and recorded Apr XX, 2011 in(instrument) XX, of the official property records of _COUNTY_ County, _STATE_<br> Didn't found any Documents and Tax on XX" | Annual: <br> 2025 County Tax Amount: $4.93 Paid (Base Amount: $589.63; homestead credit: $584.70)<br> Didn't found any tax for 424-02030-031 |  |
| 815 | XX | Subject Mortgage Foreclosed, No Open Mortgage, Applicant Not in Title, Subject Mortgage Not Found | **FAIL** | PASS | **FAIL** | **FAIL** | PASS | PASS | PASS | PASS | **FAIL** | PASS | **FAIL** | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XX | $2254.60 | $0.00 | $2254.60 | "Property Type Is Single Family Residence.<br> Foreclosed Mortgage Recorded on 04/XX/2006, as Inst No.XX<br> Foreclosed Lis Pendens Recorded on 04/XX/2018, as Inst No.XX with Order Recorded on 11/XX/2018, as Inst No.XXand Sheriff's Certificate Of Sale On Foreclosure Recorded on 08/XX/2021, as Inst No.XX and Notice Of Satisfaction Of Judgment And Release Of Lis Pendens Recorded on 11/XX/2021, as Inst No.XX.<br> Borrower Not In Title.<br> Subject Mortgage Foreclosed." | 2025 1st half taxes are paid in the amount of $1127.30 on 12/XX/2025<br> 2nd half taxes are paid in the amount of $1127.30 on 5/XX/2026. No assessment breakdowns available. |  |
| 376 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage in Book XXX, Page XX as Instrument No. XXXXXXX | XX | 1 | Y | XX | 3/XX/2016 | "To modify loan amount and maturity date" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $405.02 | $0.00 | $405.02 | "Property Type: Single Family Residence<br> Certification of Notice Under Pa. O.C. Rule 10.5 recorded on 09/XX/2021 as Instrument No. XX." |  |  |
| 2391 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Book XXX, Page XX. | XX | 1 | Y | XX | 5/XX/2019 | "To modify the loan amount. Mortgage recorded on X/XX/XXXX in Book XXXX, Page XXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $1195.00 | $0.00 | $1195.00 | "Property Type: Single Family Residential" | No assessment breakdown provided.<br> Annual: 2025 City Tax amount $445.00 Paid. |  |
| 2402 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Book XX Page XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $25000.00 | $0.00 | XX | XX | $784.00 | $0.00 | $784.00 | "Property Type: Single Family Residential" | No assessment breakdown provided. |  |
| 1918 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Book/Page XXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1925.32 | $0.00 | $1925.32 | "Property type is Condominium." | 2024 1st half taxes are paid in the amount of $962.66 and 2nd half taxes are paid in the amount of $962.66<br> No assessment breakdown. |  |
| 505 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXX-XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4185.00 | $0.00 | $4185.00 | "Property Type: Single Family Residential" | No Assessment Breakdown Provided |  |
| 451 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage at Book/Page XXX/XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2848.12 | $0.00 | $2848.12 | "Property Type is Condominium." | 2024 1st half taxes are paid in the amount of $1424.06 and 2nd half taxes are paid in the amount of $1424.06.<br> Taxes collected by Town |  |
| 1925 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Book/Page XXX/XXX | XX | 1 | Y | XX | 2/XX/2018 | "To Modify Principal Amount, Maturity date for Mortgage Book/Page XXXX/XXX " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $10775.52 | $0.00 | $10775.52 | "Property Type is Multi Family Residence." | 2024 1st half taxes are paid in the amount of $5387.76 on 7/XX/2025<br> 2nd half taxes are paid in the amount of $5387.76 on 12/XX/2025. |  |
| 314 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXX-XXXXX | XX | 1 | Y | XX | 11/XX/2019 | "Purpose to Modify the Loan Amount; MTG recorded on XX/XX/XXXX Instrument no: XXXX-XXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1242.55 | $0.00 | $1242.55 | "Property Type: Single Family Residential<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Affidavit and Agreement Recorded on 10/XX/2007 2007-95008<br> Voluntary Designation of Homestead Recorded on 05/XX/2007 Instrument No: XX<br> Acres: 0.18" | Geo ID: S50299901206500<br> Acres 0.18<br> Inside City <br> None Agriculture<br> Non Homestead |  |
| 1037 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust at Inst. XXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3871.42 | $0.00 | $3871.42 | "Property Type is Single Family Residence." | 2025 1st half taxes are paid in the amount of $1,935.71 on 3/XX/2025<br> 2nd half taxes are paid in the amount of $1,935.71 on 9/XX/2025.<br> 2026 Taxes 1st half is paid in the amount of $1,950.71 on 3/XX/2026 and 2nd half is not yet available. |  |
| 1038 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust Inst No.XXXXXXXXXX | XX | 1 | Y | XX | 2/XX/2025 | "To Modify Principal Amount, Maturity Date for Deed of Trust Inst No.XXXXXXXXXX " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1529.32 | $0.00 | $1529.32 | "Property Type is Single Family Residence.<br> A UCC instrument from XX dated Jun XX, 2024 and filed on Jun XX, 2024 in(instrument) XX, of the official property records of _COUNTY_ County, _STATE_ in favor of _GRANTEE_. _PURPOSE_" | 2025 1st half taxes are paid in the amount of $764.66 on 3/XX/2025<br> 2nd half taxes are paid in the amount of $764.66 on 9/XX/2025. <br> 2026 Taxes 1st half is paid in the amount of $775.16 on 3/XX/2026 and 2nd half is not yet available. |  |
| 2298 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $72870.62 | $0.00 | XX | XX | $4082.96 | $0.00 | $4082.96 | "Property Type: Single Family Residential<br> Durable Power of Attorney Recorded on 07/XX/2011 Instrument No: XX<br> Probate Recorded on 02/XX/2012 Instrument No: XX<br> Probate Recorded on 02/XX/2012 Instrument No: XX<br> Order of Disposition of Personal Property Without Administration Recorded on 02/XX/2012 Instrument No: XX<br> Title Affidavit Recorded on 06/XX/2012 Instrument No: XX<br> Affidavit of Continuous Marriage Recorded on 06/XX/2012 Instrument No: XX<br> Probate Recorded on 04/XX/2020 Instrument No:XX<br> Probate Recorded on 05/XX/2020 Instrument No: XX<br> Letters of Administration Recorded on 6/XX/2020 Instrument No: XX<br> Order Admitting Will to Probate and Appointing Personal Representative Recorded on 6/XX/2020 Instrument No: XX<br> Last will and testament of laurence c. Brown recorded on 6/XX/2020 instrument no: XX<br> Order Determining Homestead Status of Real Property Recorded on 11/XX/2020 Instrument No: XX<br> Order of Discharge Recorded on 3/XX/2021 Instrument No: XX<br> Notice of Commencement dated Nov XX, 2025, filed Dec XX, 2025, as (instrument) XX: $_AMOUNT_. _PURPOSE_<br> Notice of Commencement dated Nov XX, 2025, filed Dec XX, 2025, as (instrument) XX Amount: $_AMOUNT_. _PURPOSE_" | No Assessment Breakdown Provided. <br> Annual: Annual<br> 2025 County Tax Amount: $3,919.64 Paid at Discount (Base Amount: $4,082.96) |  |
| 669 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXX-XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1226.52 | $0.00 | $1226.52 | "Property Type: Single Family Residential<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Acres: 0.1377<br> Tax Entity: XX County" | Geographic ID: L3169-00-000-0119-00<br> Acres 0.1377<br> Inside City <br> None Agriculture<br> Non Homestead |  |
| 1115 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXXXXX | XX | 1 | Y | XX | 6/XX/2015 | "MTG Recorded on XX/XX/XXXX Instrument No: XXXXXXX; Purpose to Modify the Loan Amount" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6186.30 | $0.00 | $6186.30 | "Property Type: Single Family Residential<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Mortgage supporting Vendor's Lien has been satisfied: No<br>Acres - XX<br> Tax Entity County XX<br>Geographic ID: XX | Acres 0.2461<br> Inside City <br> None Agriculture<br> Non Homestead |  |
| 310 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Book/Page: XXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1140.15 | $0.00 | $1140.15 | "Property Type: Single Family Residential<br>TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Affidavit And Agreement Recorded on 10/XX/2006 Book/Page: XX<br> Voluntary Designation of Homestead 10/XX/2006 Book/Page: XX<br> Acres: XX" | Geographic ID: 00001-05420-001<br> Acres 0.32<br> Inside City <br> None Agriculture<br> Non Homestead |  |
| 256 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5136.19 | $0.00 | $5136.19 | "Property Type: Single Family Residential<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Acres :XX<br> Mortgage supporting Vendor's Lien has been satisfied: No<br>" | Acres 0.1138<br> Inside City <br> None Agriculture<br> Non Homestead |  |
| 1860 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust recorded on X/XX/XXXX in Instrument No. XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4552.38 | $0.00 | $4552.38 | "Property Type: Single Family Residential<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Mortgage supporting Vendor's Lien has been satisfied: No<br> Assumed Name recorded on 05/XX/2011 in Instrument No. XX" | 0.3646 Acres<br> Inside City<br> No Agriculture<br> Non-Homestead |  |
| 599 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust recorded on X/XX/XXXX in Instrument No. XXXXXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4309.08 | $0.00 | $4309.08 | "Property Type: Condominium" |  |  |
| 1236 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Instrument No. XXXXXXXXXX&nbsp;&nbsp;&nbsp;&nbsp; | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $922.00 | $0.00 | $922.00 | "Property Type: Single Family Residential<br> Affidavit recorded on 7/XX/2006 in Instrument No. XX<br> Real Estate Transfer - Groundwater Hazard Statement recorded on 3/XX/2018 in Instrument No. XX" |  |  |
| 2792 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust at Inst. XXXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1306.24 | $0.00 | $1306.24 | "Property Type is Single Family Residence.<br> Power Distribution Easement Recorded on 07/XX/2012, as Inst. XX.<br> Certification of Trust Recorded on 12/XX/2012, as Inst. XX.<br> Certification of Trust Recorded on 12/XX/2012, as Inst. XX." | 2025 1st half taxes are paid in the amount of $653.12 on 10/XX/2025<br> 2nd half taxes are paid in the amount of $653.12 on 5/XX/2026. No assessment breakdowns available. |  |
| 2912 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Deed of Trust as Instrument No. XXXXXXX | XX | 1 | Y | XX | 6/XX/2014 | "To modify the loan amount and maturity date " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2544.95 | $0.00 | $2544.95 | "Property Type: Single Family Residence" |  |  |
| 1503 | XX | Federal Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Mortgage Instrument No. XXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $6584.29 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $0.00 | $0.00 | $0.00 | "Property Type: Single Family Residence<br> Certificate of Compliance recorded on 08/XX/2007 as Instrument No. XX" | Taxes are not available online, therefore taxes amount shown as "$0.00" |  |
| 520 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Mortgage as Instrument No. XXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3237.73 | $0.00 | $3237.73 | "Property Type: Single Family Residential<br> Land Contract is recorded on 12/XX/2004 as Instrument Number XX." |  |  |
| 1214 | XX | State Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Inst No. XXXXXXXXXX | XX | 1 | Y | XX | 3/XX/2017 | "To Modify Principal Amount Maturity Date for Mortgage Inst No. XXXXXXXXXX " | 0 | $0.00 | 1 | XX | $0.00 | $1984.65 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $3176.19 | $0.00 | $3176.19 | "Property type is Single Family Residence.<br> Recording Of Findings, Decision And Order Recorded on 06/XX/2017, as Inst No.XX.<br> Recording Of Findings, Decision And Order Recorded on 03/XX/2023, as Inst No.XX." | 2024 1st half taxes are paid in the amount of $1716.73 on 3/XX/2025<br> 2nd half taxes are paid in the amount of $1459.46 on 12/XX/2025.<br>2025 Taxes 1st half is paid in the amount of $1746.89 on 4/XX/2026 and 2nd half is not yet available. Exemption : Homeowner. |  |
| 2665 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mtg Recorded On X/XX/XXXX Instrument No. XXXX-XXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1085.86 | $0.00 | $1085.86 | "Property Type: Single Family Residential" | No Assessment Breakdown Provided. |  |
| 1484 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | ASSIGNMENT FOR MORTGAGE XXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $34.35 | $0.00 | $34.35 | "PROPERTY TYPE IS SINGLE FAMILY RESIDENCE." |  |  |
| 923 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX as Instrument No. XXXXXXXXXXXXX | XX | 1 | Y | XX | 11/XX/2014 | "MTG recorded on XX/XX/XXXX as Instrument No. XXXXXXXXXXXXX to modify the principal amount" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type: Manufactured Home<br> A declaration of homestead, executed by XX, recorded Oct XX, 2004 (book) XX(page) XX(instrument) XX.<br> Probate recorded on 12/XX/2020 in Case No. XX&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br>" | Taxes are Mail away |  |
| 443 | XX | Federal Tax Lien, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT recorded on XX-XX-XXXX, in Book XXXX, Page XX and Inst.No.XXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $60241.40 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $11863.02 | $0.00 | $11863.02 | "Property Type: Single Family Residential<br> Dissolution or Decree of Divorce entered on 06/XX/2017, in Case No. XXX between XXand XX<br> A declaration of homestead, executed by XX, recorded Mar XX, 2006 (book) XX(page) XX(instrument) XX.<br> A declaration of homestead, executed by XX, recorded Mar XX, 2006 (book) XX(page) XX(instrument) XX.<br> A declaration of homestead, executed by XX, recorded May XX, 2008 (book) XX(page) XX(instrument) XX." |  |  |
| 1891 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on XX/XX/XXXX in Book XXXX, Page XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type: Condominium" | TAXES ARE MAILAWAY<br> NO ASSESSMENT BREAKDOWN PROVIDED |  |
| 1890 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Book XXXX, Page XX. | XX | 1 | Y | XX | 5/XX/2012 | "To modify the loan amount. Mortgage recorded on X/XX/XXXX in Book XXXXX, Page XXX. " | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4999.89 | $0.00 | $4999.89 | "Property Type: Single Family Residential<br> A UCC instrument from XX and XX dated Jan XX, 2023 and filed on Jan XX, 2023 in(book) XX(page) XX, of the official property records of _COUNTY_ County, _STATE_ in favor of _GRANTEE_. _PURPOSE_" |  |  |
| 886 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Book/Page XXX/XXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $543.00 | $0.00 | XX | XX | $3521.00 | $0.00 | $3521.00 | "Property Type is Single Family Residence.<br> Ratification of Deed of Dedication and Declaration of Covenants, Conditions and Restrictions Recorded on 08/XX/1997 as Book/Page XX at Instrument no. XX." | 2025 Taxes are paid in the amount of $3,521.00 on 12/XX/2025. Exemption : Homestead. |  |
| 1880 | XX | Federal Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXX-XXXXXXX-XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $229837.05 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $4009.60 | $0.00 | $4009.60 | "Property Type: Single Family Residence" |  |  |
| 91 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | assignment | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $703.44 | $0.00 | $703.44 | "single family residential" |  |  |
| 1920 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Assignment | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $26793.90 | $0.00 | XX | XX | $7371.80 | $0.00 | $7371.80 | "Property Type: Single Family Residence" | tax ID #0000196 map/lot #27/53 |  |
| 101 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Assignment of Deed of Trust | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $49.35 | $0.00 | $49.35 | "Property Type SFR<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Vendors lien is open" | Acres 0.17<br> Inside City<br> No Agriculture<br> Homestead Exemption<br>2025 County Tax Amount Paid $49.35<br> 2025 ISD Tax Amount Fully Exempt |  |
| 2715 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Corporate Assignment of Deed of Trust | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2807.77 | $0.00 | $2807.77 | "Property Type SFR<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Vendors lien is open" | Acres 0.00 (condo)<br> Outside City<br> No Agriculture<br> Non Homestead<br> Currently Homestead Exemption is Not Showing for This Property for the 2025 Tax Year<br>2025 County Tax Amount Paid $2256.97<br> 2025 MUD Tax Amount Paid $550.80 |  |
| 2757 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG Recorded on X/XX/XXXX Instrument No: XXXX-XXXXXXX | XX | 1 | Y | XX | 3/XX/2018 | "MTG Recorded on X/XX/XXXX Instrument No: XXXX-XXXXXXX; Loan terms change to modified" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1305.67 | $0.00 | $1305.67 | "Property Type: Single Family Residential<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Affidavit of Reasonable Costs on Homestead Property Refinance Recorded on 03/XX/2006<br> Instrument No: XX<br> Affidavit Not Same Person Recorded on 12/XX/2005 Instrument: XX<br> Affidavit Not Same Person Recorded on 12/XX/2005 Instrument No: XX<br> Tax Entity County: XX" |  |  |
| 1596 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XX-XXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1106.72 | $0.00 | $1106.72 | "Property Type: Mobile Home" | No Assessment Breakdown Provided. <br> Annual: Annual<br> 2025 County Tax Amount: $1,062.45 Paid at Discount (Base Amount: $1,106.72) |  |
| 189 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2109.12 | $0.00 | $2109.12 | "Property Type: Single Family Residential<br>TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Tax Entity County XX<br>Acres - XX<br> Mortgage supporting Vendor's Lien has been satisfied: No<br>Geographic ID:XX<br> Tax Entity County XX" | Acres 0.1492<br> Inside City <br> None Agriculture<br> Non Homestead |  |
| 1329 | XX | Delinquent or Unpaid Taxes, State Tax Lien, Federal Tax Lien, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | **FAIL** | PASS | **FAIL** | **FAIL** | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Deed of Trust at Book/Page XXX/XXXX, Inst. XXXXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $9045.41 | $0.00 | $257076.84 | $0.00 | $0.00 | $0.00 | $1819.86 | $0.00 | $1668.73 | $0.00 | XX | XX | $3265.22 | $0.00 | $3265.22 | "Property Type is Single Family Residence.<br> Certificate of Assumed or Fictitious Name Recorded on 06/XX/2016, at Book/Page 45/385, as Instrument no. 201600000994." | 2026 Taxes 1st half is paid in the amount of $1632.61 on 5/XX/2026<br> and 2nd half due in the amount of $1632.61 due by 12/XX/2026. |  |
| 2496 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Book XXXX, Page XX. | XX | 1 | Y | XX | 7/XX/2024 | "To modify the loan amount. Mortgage recorded on X/XX/XXXX in Book XXXXX, Page XXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2422.91 | $0.00 | $0.00 | $0.00 | XX | XX | $4406.96 | $0.00 | $4406.96 | "Property Type: Single Family Residential" | No assessment breakdown provided. |  |
| 783 | XX | Delinquent or Unpaid Taxes, Subject Mortgage Foreclosed | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage recorded on XX/XX/XXXX in Instrument No. XXXXXXX&nbsp;&nbsp;&nbsp;&nbsp; | XX | 1 | N |  |  |  | 0 | $0.00 | 2 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4550.00 | $0.00 | $4550.00 | "Property Type: Single Family Residential" | No assessment breakdown provided. |  |
| 2510 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Book/Page XXXX/XXX, as Instrument no. XXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3779.34 | $0.00 | $3779.34 | "Property Type is Single Family Residence." | 2025 1st half taxes are paid in the amount of $1,560.03 and 2nd half taxes are paid in the amount of $2,219.31<br> no assessment breakdown.<br> PRE exemption<br> Taxes collected by Township |  |
| 2504 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Book/Page XXXX/XXX, Inst. XXXXXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3104.90 | $0.00 | $3104.90 | "Property Type is Condominium." | 2025 1st half taxes are paid in the amount of $1,729.61 and 2nd half taxes are paid in the amount of $1,375.29<br> no assessment breakdown.<br> PRE exemption<br> Taxes collected by Township |  |
| 879 | XX | Subject Mortgage Foreclosed, No Open Mortgage, Applicant Not in Title, Subject Mortgage Not Found | **FAIL** | PASS | **FAIL** | **FAIL** | PASS | PASS | PASS | PASS | **FAIL** | PASS | **FAIL** | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $0.00 | $4603.54 | $0.00 | $4603.54 | "Property Type Is Single Family Residence.<br> Easement Agreement Recorded on 09/XX/2004, as Book/Page XX, at Inst No.XX.<br> Order Recorded on 03/XX/2011, as Book/Page 4XX, at Inst No.XX.<br> Foreclosed Mortgage Recorded on 10/XX/2006, as Book/Page XX, at Inst No.XX.<br> Subject Mortgage Foreclosed." | 2025 1st half taxes are paid in the amount of $3,267.15 and 2nd half taxes are paid in the amount of $1,336.39<br> no assessment breakdown.<br> PRE exemption<br> Taxes collected by City |  |
| 2570 | XX | Delinquent or Unpaid Taxes, State Tax Lien | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage at Inst. TXXXXXXX. | XX | 1 | Y | XX | 8/XX/2017 | "Modify principal amount and extended maturity date to XX/XX/XXXX for Mortgage at Inst. TXXXXXXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $1265.46 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $4042.94 | $0.00 | $4042.94 | "Property Type is Single Family Residence.<br> Torrens Certificate Number – XX." | 2026 1st half taxes are paid in the amount of $2,021.47 and 2nd half taxes are due in the amount of $2,021.47 |  |
| 1702 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Book/Page XXX/XXX, Inst. XXXXXXX. | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1716.42 | $0.00 | $1716.42 | "Property Type is Single Family Residence.<br> Affidavit recorded on 04/XX/2011, at Book/Page XX Inst. XX to correct the legal description for Mortgage at Book/Page XX, Recorded 05/XX/1999.<br> Certificate of Death for XX Date of death 02/XX/2021, at Book/Page XX, Instrument no. XX, Recorded 11/XX/2023." | 2025 1st half taxes are paid in the amount of $961.38 and 2nd half taxes are paid in the amount of $755.04<br> no assessment breakdown.<br> PRE exemption<br> Taxes collected by Township |  |
| 262 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $435.47 | $0.00 | $435.47 | "PROPERTY TYPE: SINGLE FAMILY RESIDENCE" |  |  |
| 449 | XX | Delinquent or Unpaid Taxes, Address Variation | **FAIL** | **FAIL** | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  | XX | Y |  | XX | XX | XX | To reference Mortgage in Book XXX, Page XX as Instrument No. XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1250.77 | $0.00 | XX | XX | $3845.66 | $0.00 | $3845.66 | "Property Type: Single Family Residence<br> Variance Zip Code: XX" |  |  |
| 2812 | XX | Federal Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXX-XXXXXXX | XX | 1 | Y | XX | 1/XX/2016 | "To reference Deed of Trust Instrument No. XXXXXXXX-XXXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $91656.33 | $0.00 | $0.00 | $0.00 | $3986.04 | $0.00 | XX | $0.00 | XX | XX | $4298.89 | $0.00 | $4298.89 | "Property Type: Single Family Residence" |  |  |
| 779 | XX | State Tax Lien, Federal Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | **FAIL** | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Book/Page XXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $2342.87 | $0.00 | $4040.53 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $7091.03 | $0.00 | $7091.03 | "Property Type Is Single Family Residence." | No assessment breakdowns available. |  |
| 2515 | XX | Federal Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Book/Page XXXX/XXX, Inst. XXXXXXXXX. | XX | 1 | Y | XX | 9/XX/2021 | "Modify principal amount and extended maturity date as XX/XX/XXXX for Mortgage at Book/Page XXXXX/XXX, Inst. XXXXXXXXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $109953.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $2800.99 | $0.00 | $2800.99 | "Property Type is Single Family Residence." | 2025 1st half taxes are paid in the amount of $1,198.37 and 2nd half taxes are paid in the amount of $1,602.62<br> no assessment breakdown.<br> Taxes collected by Township |  |
| 880 | XX | Subject Mortgage Foreclosed, No Open Mortgage, Applicant Not in Title, Subject Mortgage Not Found | **FAIL** | PASS | **FAIL** | **FAIL** | PASS | PASS | PASS | PASS | **FAIL** | PASS | **FAIL** | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $0.00 | $4249.27 | $0.00 | $4249.27 | "Property type is Single Family Residence.<br> Affidavit To Expunge Sheriff's Deed On Mortgage Sale Recorded on 06/XX/2009, as Book/Page XX at Inst No.XX.<br> Affidavit To Expunge Sheriff's Deed On Mortgage Sale Recorded on 11/XX/2010, as Book/Page XX at Inst No.XX.<br> Affidavit To Expunge Sheriff's Deed On Mortgage Sale Recorded on 11/XX/2010, as Book/Page 4XX at Inst No.XX.<br> Foreclosed Mortgage Recorded on 04/XX/2006, as Book/Page XX, at Inst No.XX.<br> Borrower Not In Title.<br> Subject Mortgage Foreclosed." | 2025 1st half taxes are paid in the amount of $3,541.06 and 2nd half taxes are paid in the amount of $708.21<br> no assessment breakdown.<br> PRE exemption<br> Taxes collected by City |  |
| 883 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Inst No.XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6531.18 | $0.00 | $6531.18 | "Property type is Single family Residence.<br> Affidavit Of Postponement Recoded on 03/XX/2016, as Inst No. XX.<br> Individual(S) Statement Of Lost Certificate Recorded on 03/XX/1995, as Inst No.XX." | 2026 1st half taxes are paid in the amount of $3,265.59 and 2nd half taxes are due in the amount of $3,265.59.<br> HOMESTEAD |  |
| 1018 | XX | State Tax Lien, Federal Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | **FAIL** | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage at Book/Page XXXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $16127.69 | $0.00 | $8562.24 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $86513.37 | $0.00 | XX | XX | $10969.72 | $0.00 | $10969.72 | "Property Type is Multi Family Residence.<br> Current Lis Pendens Located." | Assessment Breakdown not provided |  |
| 2809 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage Instrument No. XXXXXXXX-XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $987.96 | $0.00 | $0.00 | $0.00 | XX | XX | $1905.44 | $0.00 | $1905.44 | "Property Type: Single Family Residence" |  |  |
| 1256 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXX, Page XX and Inst.No.MG XXXX XXXXXX | XX | 1 | Y | XX | 1/XX/2017 | "To Modify the Loan Amount, MTG recorded on XX/XX/XXXX, in Book XXXX, Page XXX and Inst.No.MG XXXX XXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6402.45 | $0.00 | $6402.45 | "Property Type: Single Family Residential<br>Temporary Construction Easement for Municipal Purposes recorded on 04/XX/2025, in Book XX, Page XX and Instrument No.XX." | Quarterly: <br> 2026 County Tax 1st Qtr amount $1,600.62 Paid<br> 2026 County Tax 2nd Qtr amount $1,600.61 Paid<br> 2026 County Tax 3rd and 4th Qtr Unavailable<br>Block 701.9, Lot 6 this parcel inactive |  |
| 258 | XX | Delinquent or Unpaid Taxes, Subject Mortgage Foreclosed | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | N/A |  |  | Y |  | XX | XX | XX | N/A | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5138.00 | $0.00 | $5138.00 | "Property Type: Single Family Residential" | No Assessment Breakdown Provided |  |
| 2118 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXXXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $40447.75 | $0.00 | XX | XX | $7064.52 | $0.00 | $7064.52 | "Property Type: Condo<br> List of Heirs Recorded on 04/XX/2017 Instrument No: XX<br> Fiduciary's Bond Recorded on 04/XX/2017 Instrument No: XX<br> Affidavit of Notice Regarding Estate of: XXRecorded on 08/XX/2017 Instrument No: XX<br> Inventory for Decedent's Estate Recorded on 10/XX/2017 Instrument No: XX<br> Account for Decedent's Estate Commonwealth of XX Recorded on 08/XX/2025 Instrument No: XX<br> Homestead Deed 08/XX/2019 Instrument No: XX" |  |  |
| 1011 | XX | Delinquent or Unpaid Taxes, Federal Tax Lien | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT Recorded On X/XX/XXXX Instrument No. XXXXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $68830.82 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $125000.00 | $0.00 | XX | XX | $7444.98 | $0.00 | $7444.98 | "Property Type: Single Family Residential<br>Real Estate Excise Tax Affidavit Recorded On 2/XX/2003 Instrument No. XX<br> Lot 24, XX, Vol 151, Pgs XX." | Zoned Residential |  |
| 2072 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | To reference Mortgage in Book XXX, Page XXX as Instrument No. XXXXXXXXXX | XX | 1 | Y | XX | 7/XX/2021 | "To modify the loan amount and maturity date " | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type: Single Family Residence" | No Assessment Breakdown provided.<br> Taxes are not available online, therefore taxes amount shown as $0.00. |  |
| 96 | XX | Delinquent or Unpaid Taxes, Subject Mortgage Not Found | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XX | $1287.65 | $1004.33 | $2291.98 | "Property Type is Manufactured Home.<br> Subject Mortgage not found.<br> Found a break in chain from Mortgage at Book/Page XX, Recorded on 03/XX/1999 to Assignment of Mortgage at Book/Page XX, Recorded on 02/XX/2018." | 2025 Taxes are paid in the amount of $283.32 on 12/XX/2025. No assessment breakdowns available. |  |
| 1092 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage Book/Page XXX/XX | XX | 1 | Y | XX | 1/XX/2012 | "To Modify Principal Amount, Maturity Date for Mortgage Book/Page XXXX/XX " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1368.65 | $0.00 | $1368.65 | "Property Type Is Single Family Residence." | 2025 taxes are paid in the amount of $1,368.65 on 12/XX/2025, No priors, No exemptions, Assessment breakdown N/A. |  |
| 1406 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $369.86 | $0.00 | $369.86 | "Property Type: SFR<br> No lis pendens" | No assesment Breakdown provided. |  |
| 1330 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT Recorded On X/XX/XXXX Instrument No. XXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $976.42 | $0.00 | $976.42 | "Property Type: Single Family Residential<br>Tennessee General Durable Power Of Attorney Recorded On 1/XX/2018 Instrument No. XX" | No Assessment Breakdown Provided |  |
| Dropped Loan | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1435.01 | $0.00 | $1435.01 | "Property Type: Single Family Residential<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Power of Attorney Recorded on 04/XX/1995 Instrument No: XX" | 0.28 Acres, homestead,in city |  |
| 1387 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT recorded on XX/XX/XXXX, in Book XXXX, Page XX | XX | 1 | Y | XX | 1/XX/2018 | "To Modify the loan amount; DOT recorded on XX/XX/XXXX, in Book XXXXX, Page XXX " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $8005.26 | $0.00 | $8005.26 | "Property Type: Single Family Residential<br>Tax Entity: County XX" |  |  |
| 1809 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXXXXXXXXXXXXXXX | XX | 1 | Y | XX | 1/XX/2014 | "Purpose to Modify the Loan Amount; MTG Recorded on XX/XX/XXXX Instrument No: XXXXXXXXXXXXXXXXX" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2583.70 | $0.00 | $2583.70 | "Property Type: Single Family Residential" |  |  |
| 2611 | XX | State Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage at Instrument no. XXXXXXXXXX. | XX | 1 | Y | XX | 10/XX/2019 | "Modify principal amount and extended maturity date to XX/XX/XXXX for Mortgage at Instrument no. XXXXXXXXXX." | 0 | $0.00 | 0 | $0.00 | $0.00 | $867.48 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $13617.00 | $0.00 | $0.00 | $0.00 | XX | XX | $5225.57 | $0.00 | $5225.57 | "Property Type is Single Family Residence." | 2024 1st half taxes are paid in the amount of $2438.32 on 3/XX/2025<br> 2nd half taxes are paid in the amount of $2787.25 on 12/XX/2025.<br>2025 Taxes 1st half is paid in the amount of $2874.10 on 4/XX/2026 and 2nd half is not yet available. |  |
| 788 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mtg Recorded On X/XX/XXXX Instrument No. RXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $17950.32 | $0.00 | $17950.32 | "Property Type: Single Family Residential<br>" | No Assessment Breakdown Provided |  |
| 185 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust recorded on XX/XX/XXXX, in Instrument No.XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $423.72 | $0.00 | $423.72 | "Property Type: Single Family Residential<br>" |  |  |
| 1310 | XX | Federal Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mtg Recorded On XX/XX/XXXX Instrument No. XXXXXXX Book XXXX Page XX | XX | 1 | Y | XX | 12/XX/2021 | "Mtg Recorded On XX/X/XXXX Instrument No. XXXXXXX Book MXXXX Page XXX;to modify the principal amount " | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $307420.28 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $2363.63 | $0.00 | $2363.63 | "Property Type: Single Family Residential<br>" |  |  |
| 1869 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXXX, Page XX and Inst. No.XXXX-XXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $736.00 | $0.00 | $736.00 | "Property Type: Single Family Residential<br>XX having died February XX, 2002, on death certificate available" |  |  |
| 34 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mortgage Book/Page XX/XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type is Single Family Residence." | Taxes not available at the time of search.<br> Homestead |  |
| 1954 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXX, Page XXX | XX | 1 | Y | XX | 10/XX/2017 | "To Modify the loan amount; MTG recorded on XX/XX/XXXX, in Book XXXX, Page XXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $20391.10 | $0.00 | $20391.10 | "Property Type: Single Family Residential<br>" | Quarterly: <br> 2026 County Tax 1st Qtr amount $5,097.78 Paid<br> 2026 County Tax 2nd Qtr amount $5,097.77 Paid<br> 2026 County Tax 3rd and 4th Qtr Unavailable |  |
| 2713 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Corporate Assignment of Deed of Trust | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | "Property Type SFR<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Vendors lien is open" | Acres 0.20<br> Inside City<br> No Agriculture<br> Homestead Exemption<br>2025 County Tax Amount Fully Exempt |  |
| 2741 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Corporate Assignment of Deed of Trust | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $9062.65 | $0.00 | XX | XX | $1687.59 | $0.00 | $1687.59 | "Property Type SFR<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Vendors lien is open; Borrower is not in title" | Acres 0.14<br> Outside City<br> No Agriculture<br> Homestead Exemption<br>2025 County Tax Amount Paid $1,256.73<br> 2025 MUD Tax Amount Paid $430.86 |  |
| 1142 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXXRXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5078.30 | $0.00 | $5078.30 | "Property Type: Single Family Residential" |  |  |
| 704 | XX | Delinquent or Unpaid Taxes, Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT recorded on XX/XX/XXXX in instrument no. XXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $10089.64 | $0.00 | $10089.64 | "Property Type: Single Family Residential<br> Dissolution or Decree of Divorce entered on 05/XX/2011 in Case No. XX between XXPetitioner/Plaintiff, and XXRespondent/Defendant.<br> Abbreviated Legal Description: Lot XX.XX recorded under Audiort's File No. XX, being that portion of Lot XX, according to plat recorded in volume XX or Plats,Page XX, records of XX County, XX" |  |  |
| 1516 | XX | Delinquent or Unpaid Taxes, Subject Mortgage Foreclosed | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | N/A |  |  | Y |  | XX | XX | XX | Mtg Recorded On X/XX/XXXX Book XXXX Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $4262.68 | $2149.88 | $6412.56 | "Property Type: Condominium<br>Master Deed Recorded On 4/XX/2003 Book XX Page 58<br> Declaration Of Trust TXX Recorded On 4/XX/2003 Book XX Page XX<br> Order Of Taking For The Layout Of XX As A Public Way Recorded On 6/XX/2010 Book XX Page<br>A declaration of homestead, executed by 9/XX/2021, recorded Sep XX, 2021 (book) XX(page) XX." | Land Value Amount Available<br> Quarterly: <br> 2026 County Tax 1st Installment Amount: $1,056.40 Paid<br> 2026 County Tax 2nd Installment Amount: $1,056.40 Paid<br> 2026 County Tax 3st Installment Amount: $52.31 Partially Delinquent (Base Amount: $1,074.94; Amount Paid: $1,023.88)<br> 2026 County Tax 4nd Installment Amount: $1,109.68 Delinquent (Base Amount: $1,074.94) |  |
| 1906 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mtg Recorded On XX/XX/XXXX Instrument No. XXXXX Book XXXX Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4459.43 | $0.00 | $4459.43 | "Property Type: Condominium<br>Complaint Recorded On 4/XX/2017 Instrument No. XX Book XX Page XX<br> Complaint Recorded On 2/XX/2019 Instrument No. XX Book XX Page XX<br> A declaration of homestead, executed by XX, recorded Jun XX, 2021 (book) XX(page) 86(instrument) XX." | No Assessment Breakdown Provided |  |
| 1533 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mtg Recorded On X/XX/XXXX Instrument No. XXXXX Book XXXX Page XX | XX | 1 | Y | XX | 5/XX/2019 | "Mtg Recorded On X/XX/XXXX Instrument No. XXXXX Book XXXXX Page XX;to modify the principal amount" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8159.00 | $0.00 | $8159.00 | "Property Type: Single Family Residential<br>Order Of Notice Recorded On 3/XX/2022 Instrument No. XX Book XX Page XX<br> Order Of Notice Recorded On 6/XX/2025 Instrument No. XX Book XX Page XX<br> A declaration of homestead, executed by XX recorded Jun XX, 2016 (book) XX(page) XX(instrument) XX." |  |  |
| 1857 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXXX, Page XX and Inst.No.XXXX | XX | 1 | Y | XX | 7/XX/2019 | "To Modify the loan amount; MTG recorded on XX/XX/XXXX, in Book XXXXX, Page XXX and Inst.No XXXX" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $5640.32 | $0.00 | $5640.32 | "Single family home<br> A declaration of homestead, executed by XX, recorded Sep XX, 2000 (book) XX(page) XX(instrument) XX." |  |  |
| 1908 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Mtg Recorded On X/XX/XXXX Book XXXX Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $472.19 | $0.00 | $472.19 | "Property Type: Condominium<br>A declaration of homestead, executed by XX recorded Jan XX, 2006 (book) XX(page) XX.<br> Property located in XX County" | No Assessment Breakdown Provided |  |
| 2147 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT recorded on XX/XX/XXXX, in Book XXX, Page XX | XX | 1 | Y | XX | 5/XX/2025 | "To Modify the loan amount; DOT recorded on XX/XX/XXXX, in Book XXXX, Page XXX " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5291.76 | $0.00 | $5291.76 | "Property Type: Single Family Residential<br>Tax Entity: XX City" | No assessment breakdown provided. |  |
| 1288 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXX, Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5860.42 | $0.00 | XX | XX | $8499.30 | $0.00 | $8499.30 | "Property Type: Single Family Residential<br>Will (Probate) recorded on 07/XX/2000, in Instrument No.XX<br> Will (Probate) recorded on 05/XX/2021, in Instrument No.XX." | No assessment breakdown provided. |  |
| 2153 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT recorded on XX/XX/XXXX, in Book XXX, Page XX | XX | 1 | Y | XX | 12/XX/2017 | "To Modify the loan amount; DOT recorded on XX/XX/XXXX, in Book XXXX, Page XXX" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $4476.42 | $0.00 | $4476.42 | "Property Type: Townhouse Home" | Semi-annual: <br> 2025 County Tax 1st half amount $2259.51 paid at penalty (Base Amount $2236.63)<br> 2025 County Tax 2nd half amount $2239.79 paid at penalty (Base Amount $2171.49) |  |
| 2136 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT recorded on XX/XX/XXXX, in Book XXXX, Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $152201.00 | $0.00 | XX | XX | $6376.26 | $0.00 | $6376.26 | "Property Type: Single Family Residential<br> Dissolution or Decree of Divorce entered on 07/XX/1990, in Case No. XX between XX.<br> Register of Wills recorded on 04/XX/1996, in Instrument No. XX" | No assessment breakdown provided. |  |
| 2123 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT Recorded On X/XX/XXXX Book XXXX Page XX | XX | 1 | Y | XX | 9/XX/2021 | "DOT Recorded On X/XX/XXXX Book XXXXX Page XXX;to modify the principal amount" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5528.09 | $0.00 | $5528.09 | "Property Type: Single Family Residential<br>" | No Assessment Breakdown Provided |  |
| 1523 | XX | Subject Mortgage Foreclosed | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT Recorded On X/XX/XXXX Instrument No. XXXXXX Book XXX Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2172.80 | $0.00 | $2172.80 | "Property Type: Single Family Residential<br>" | No Assessment Breakdown Provided |  |
| 1588 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | THIS DEED, Made and entered into this XXth day of August, XXXX, by and DOT Recorded On X/XX/XXXX Instrument No. XXXXXXXXXXXXXXXXX Book XXXXX Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4128.05 | $0.00 | $4128.05 | "Property Type: Single Family Residential<br>A UCC instrument from XX (Single) dated May XX, 2026 and filed on May 13XX, 2026 in(instrument)XX , of the official property records of _COUNTY_ County, _STATE_ in favor of _GRANTEE_. _PURPOSE_" | No Breakdown provided |  |
| 526 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | DOT Recorded On X/XX/XXXX Instrument No. XXXXXXXX-XXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2079.59 | $0.00 | $2079.59 | "Property Type: Single Family Residential<br>" | No Assessment Breakdown Provided |  |
| 112 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | DOT Recorded On X/XX/XXXX Book XXX Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1376.04 | $0.00 | $1376.04 | "Property Type: Single Family Residential<br>" | No Assessment Breakdown Provided |  |
| 1476 | XX | Federal Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust Inst No. XXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 2 | XX | $0.00 | $0.00 | $0.00 | $67528.39 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $2139.67 | $0.00 | $2139.67 | "Property Type is Single Family Residence.<br> Declaration Of Homestead Recorded on 09/XX/2003, as Inst No.XX.<br> Declaration Of Homestead Recorded on 11/XX/2018, as Inst No.XX.<br> Found a break in chain between the assignment recorded on 12/XX/2019 as Instrument No. XX and the assignment recorded on 01/XX/2020 as Instrument No. XX and the assignment recorded on 02/XX/2022 as Instrument No. XX." | 2025 1st half taxes are paid in the amount of $1069.84 and 2nd half taxes are paid in the amount of $1069.83 |  |
| 1990 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXX, Page XX and Inst.No.XXXX-XXXXXXXX | XX | 1 | Y | XX | 1/XX/2021 | "To Modify the loan amount; MTG recorded on XX/XX/XXXX, in Book XXXX, Page XXX and Inst.No.XXXX-XXXXXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $4717.08 | $0.00 | $4717.08 | "Property Type: Single Family Residential<br>" | Quarterly: <br> 2026 County Tax 1st Qtr amount $1,179.27<br> 2026 County Tax 2nd Qtr amount $1,179.27<br> 2026 County Tax 3rd and 4th unavailable |  |
| 648 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG recorded on XX/XX/XXXX, in Book XXXX, Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5257.32 | $0.00 | $5257.32 | "Property Type: Single Family Residential<br>" | No assessment breakdown provided. |  |
| 2202 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | DOT recorded on XX/XX/XXXX, in Book XXX, Page XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $881.54 | $0.00 | $881.54 | "Property Type: Single Family Residential<br>An easement dated dated Nov XX, 2017 and recorded Nov XX, 2017 in(book) XX(page) XX, of the official property records of _COUNTY_ County, _STATE_" |  |  |
| 2199 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | DOT recorded on X/XX/XXXX, in Book XXXXX, Page XXXX | XX | 1 | Y | XX | 4/XX/2021 | "To Modify the Loan amount; DOT recorded on X/X/XXXX, in Book XXXXXX, Page XXXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1411.58 | $0.00 | $1411.58 | "Property Type: Single Family Residential<br>" | No assessment breakdown provided. |  |
| 917 | XX | Federal Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | To reference Deed of Trust Instrument No. XXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $38727.33 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $17621.69 | $0.00 | XX | XX | $11315.94 | $0.00 | $11315.94 | "Property Type: Single Family Residence" |  |  |
| 1705 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | DOT recorded on XX/XX/XXXX, in Book XXX, Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2910.54 | $0.00 | $2910.54 | "Property Type: Single Family Residential<br>" |  |  |
| 808 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG Recorded on X/XX/XXXX Instrument No: XXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5804.61 | $0.00 | $5804.61 | "Property Type: Single Family Residential<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Notice of Substitute Trustee Sale 07/XX/2011 Instrument No: XX<br> Notice of Substitute Trustee's Sale Recorded on 12/XX/2018 Instrument No: XX<br> Assumed Name Records Certificate of Ownership for Unincorporated Business or Profession Recorded on 03/XX/2008 Instrument No: XX" |  |  |
| 2213 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | DOT Recorded On X/XX/XXXX Instrument No. XXXXX Book XXX Page XX | XX | 1 | Y | XX | 4/XX/2021 | "DOT Recorded On X/XX/XXXX Instrument No. XXXXX Book XXXX Page XXX; to modify the principal amount " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1565.05 | $0.00 | $1565.05 | "Property type : Single Family Residential <br>" | No Assessment Breakdown Provided |  |
| 1677 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3281.70 | $0.00 | $3281.70 | "Property Type: Single Family Residential" | No Breakdown provided |  |
| 1423 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXXXXXXXX | XX | 1 | Y | XX | 2/XX/2008 | "MTG Recorded on XX/XX/XXXX Instrument No: XXXXXXXXXX; Purpose to modify the Future Advance Mortgage" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8721.12 | $0.00 | $0.00 | $0.00 | XX | XX | $2214.39 | $0.00 | $2214.39 | "Property Type: Single Family Residential<br> Florida Certificate of Death Recorded on 05/XX/2007 Instrument No:XX<br> Affidavit Recorded on 05/XX/2007 Instrument No XX<br> Notice Recorded on 04/XX/2008 Instrument No XX<br> Probate Recorded on 07/XX/2016 Instrument No XX<br> Probate Recorded on 07/XX/2016 Instrument No XX<br> Probate Recorded on 07/XX/2016 Instrument No XX<br> Probate Recorded on 07/XX/2016 Instrument No XX<br> Probate Recorded on 08/XX/2019 Instrument No XX" | No Assessment Breakdown Provided. <br> Annual: Annual<br> 2025 County Tax Amount: $2125.81 Paid at Discount (Base Amount: $2,214.39) |  |
| 2210 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust recorded on XX/XX/XXXX in Book XXXX, Page XX. | XX | 1 | Y | XX | 3/XX/2018 | "To modify the loan amount. Deed of Trust recorded on XX/XX/XXXX in Book XXXXX, Page XXX. " | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2847.86 | $0.00 | $2847.86 | "Property Type: Single Family Residential" |  |  |
| 1323 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | DOT recorded on XX/XX/XXXX, in Book XXX, Page XX | XX | 1 | Y | XX | 6/XX/2017 | "To Modify the loan amount; DOT recorded on XX/XX/XXXX, in Book XXXX, Page XXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2406.17 | $0.00 | $2406.17 | "Property Type: Single Family Residential<br>" | No assessment breakdown provided. |  |
| 2305 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4566.14 | $0.00 | XX | XX | $4478.81 | $0.00 | $4478.81 | "Property Type: Single Family Residential<br> " | No Assessment Breakdown Provided. <br> Annual: Annual<br> 2025 County Tax Amount: $4,299.66 Paid at Discount (Base Amount: $4,478.81) |  |
| 308 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No XXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $946.53 | $0.00 | $946.53 | "Property Type: Single Family Residential<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Affidavit and Agreement Recorded on 08/XX/2006 Instrument No: XX<br> Voluntary Designation of Homestead Recorded on 08/XX/2006 Instrument No: XX<br> Affidavit of Facts Concerning the Identity of Heirs Recorded on 08/XX/2019 Instrument No: XX<br> Assumed Name Certificate Recorded on 10/XX/2024 Instrument No: XX" |  |  |
| 1746 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXX R XXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1303.20 | $0.00 | XX | XX | $323.62 | $0.00 | $323.62 | "Property Type: Single Family Residential<br> Declaration Of Domicile Recorded on 10/XX/2005 Instrument No: XX" | No Assessment Breakdown Provided |  |
| 2333 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXX R XXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4897.12 | $0.00 | XX | XX | $6192.03 | $0.00 | $6192.03 | "Property Type: Single Family Residential<br> Continuous Marriage Affidavit Recorded on 02/XX/1994 Installment No: XX<br> Continuous Marriage Affidavit Recorded on 07/XX/1997 Installment No: XX<br> Non-Identity Affidavit Recorded on 05/XX/2007 Installment No: XX" | No Assessment Breakdown Provided. <br> Annual: Annual<br> 2025 County Tax Amount: $5,944.35 Paid at Discount (Base Amount: $6,192.03) |  |
| 1299 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Mortgage recorded on X/XX/XXXX in Instrument No. XXXXR-XXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7670.45 | $0.00 | XX | XX | $205.60 | $0.00 | $205.60 | "Property Type: Single Family Residential<br> Certificate of Assumed Business Name recorded on 2/XX/2015 in Instrument No. XX<br> Certificate of Assumed Business Name recorded on 8/XX/2020 in Instrument No. XX<br> Death Certificate recorded on 3/XX/2005 in Instrument No. XX" |  |  |
| 313 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Assignment of Security Instrument | XX | 1 | Y | XX | 12/XX/2019 | "Balloon Modification Agreement; Interest X.XX%; Maturity Date XX/XX/XXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $214.67 | $0.00 | $214.67 | "Property Type SFR<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: Yes<br> Lease executed by XX, a feme sole, as lessor, to _Grantee_, as lessee, dated Sep XX, 2011, recorded Oct XX, 2011 in(instrument) XX.<br> Ran back 60 years unable to take out of family" | Acres 0.3214<br> Inside City<br> No Agriculture<br> Homestead Exemption<br>Geo ID: A 518-9R03F<br>2025 County Tax Amount Paid $164.28<br> 2025 City Tax Amount Paid $50.39 |  |
| 303 | XX | Applicant Not in Title, Subject Mortgage Not Found | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $0.00 | $1765.71 | $0.00 | $1765.71 | "Property Type SFR<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No" | Acres 5.00<br> Outside City<br> No Agriculture<br> Homestead Exemption<br>Geo ID: 301671-000<br>2025 County Tax Amount Paid $1765.71 |  |
| 1916 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Assignment (related MTG XXX/XXX) | XX | 1 | Y | XX | 10/XX/2025 | "Loan Modification Agreement (related MTG XXX/XXX)" | 0 | $0.00 | 2 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6654.54 | $0.00 | $6654.54 | "Property Type: Single Family" | other assessment is for outbuildings |  |
| 2729 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Corporate Assignment of Deed of Trust | XX | 1 | Y | XX | 3/XX/2022 | "Loan Modification Agreement; X.XXX% Interest; Maturity Date: XX/XX/XXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $12888.88 | $0.00 | $12888.88 | "Property Type SFR<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Vendors lien is open" | Acres 0.2<br> Outside City<br> No Agriculture<br> Homestead Exemption<br>2025 County Tax Amount Paid $7920.00<br> 2025 ISD Tax Amount Paid $4968.88 |  |
| 2732 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Assignment | XX | 1 | Y | XX | 6/XX/2011 | "Loan Modification Agreement; Interest X.XXX Percent; Maturity Date XX/XX/XXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5889.21 | $0.00 | $5889.21 | "Property Type SFR<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Vendors lien is open" | Acres 0.14<br> Outside City<br> No Agriculture<br> Homestead Exemption<br>2025 County Tax Amount Paid $2,241.92<br> 2025 ISD Tax Amount Paid $1,516.87<br> 2025 MUD Tax Amount Paid $2,130.42 |  |
| 2723 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Corporate Assignment of Deed of Trust | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1252.53 | $0.00 | $1252.53 | "Property Type SFR<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Vendors lien is open" | Acres 0.14<br> Outside City<br> No Agriculture<br> Homestead Exemption<br>2025 County Tax Amount Paid $298.17<br> 2025 MUD Tax Amount Paid $954.36 |  |
| 1909 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX in Instrument No. XXXXX | XX | 1 | Y | XX | 2/XX/2017 | "MTG Recorded on XX/XX/XXXX in Instrument No. XXXXX; to modify the principal amount" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6035.45 | $0.00 | $6035.45 | "Property Type: Single Family Residential<br> Order of Betterment Assessment recorded on 07/XX/2015 in Book XX, Page XX and Instrument No. XX" |  |  |
| 2712 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Corporate Assignment of Deed of Trust | XX | 1 | Y | XX | 5/XX/2021 | "Modification Agreement; Interest Rate X.XXX percent; Maturity Date XX/XX/XXXX" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $2663.67 | $0.00 | $2663.67 | "Property Type SFR<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Vendors lien is open" | Acres 0.25<br> Outside City<br> No Agriculture<br> Homestead Exemption<br>2025 County Tax Amount Paid $1682.87<br> 2025 MUD Tax Amount Paid $555.17<br> 2025 WCID Tax AMount Paid $425.63 |  |
| 801 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Assignment of Deed of Trust | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $18585.51 | $0.00 | XX | XX | $2828.49 | $0.00 | $2828.49 | "Property Type SFR<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Vendors lien is open" | Acres 0.2624<br> Outside City<br> No Agriculture<br> Homestead Exemption<br>2025 County Tax Amount Paid $1,523.54<br> 2025 ISD Tax Amount Paid $552.21<br> 2025 MUD Tax Amount Paid $749.74 |  |
| 2722 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Corporate Assignment of Deed of Trust | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $590.75 | $0.00 | XX | XX | $3138.94 | $0.00 | $3138.94 | "Property Type SFR<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No" | Acres 0.25<br> Inside City<br> No Agriculture<br> Homestead Exemption<br>2025 County Tax Amount Paid $2,401.73<br> 2025 ISD Tax Amount Paid $737.21 |  |
| 2742 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Corporate Assignment of Deed of Trust | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3614.16 | $0.00 | $3614.16 | "Property Type SFR<br> TX EQ in Last 12M: No<br> TX EQ reflected in MTG Chain: No<br> Vendors lien is open" | Acres 0.30<br> Outside City<br> No Agriculture<br> Homestead Exemption<br>2025 County Tax Amount Paid $1,107.21<br> 2025 ISD Tax Amount Paid $689.19<br> 2025 MUD Tax Amount Paid $1,817.76 |  |
| 2552 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | TO ASSIGN MORTGAGE | XX | 1 | Y | XX | 11/XX/2021 | "MODIFY MONIES OWED" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1678.04 | $0.00 | $1678.04 | "PROPERTY TYPE: SINGLE FAMILY RESIDENCE" |  |  |
| 1766 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | MTG XXXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $847.11 | $0.00 | $847.11 | "PROPERTY TYPE: SINGLE FAMILY RESIDENCE" |  |  |
| 940 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | DOT Recorded On X/XX/XXXX Instrument No. XXXXXX Book XXXX Page XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2698.26 | $0.00 | $2698.26 | "Property Type: Single Family Residential<br>Certificate Of Assumed Name For A Sole Proprietorship Recorded On 8/XX/2010 Instrument No. XX Book XX Page XX" |  |  |
| 1654 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Assigns Mortgage No. XXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1214.45 | $0.00 | XX | XX | $3133.56 | $0.00 | $3133.56 | "Property Type: SFR" |  |  |
| 2318 | XX | Federal Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No XXXXRXXXXXXX; Assignment of Mortgage Recorded on XX/XX/XXXX Instrument No: XXXXRXXXXXXX | XX | 1 | Y | XX | 2/XX/2021 | "MTG Recorded on XX/XX/XXXX Instrument No XXXXRXXXXXXX; Purpose to Modify Loan Amount" | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $17265.57 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | $0.00 | XX | XX | $578.95 | $0.00 | $578.95 | "Property Type: Condo<br> Certificate of Death Florida Recorded on 09/XX/2006 Instrument No: XX<br> Florida Certificate of Death Recorded on 04/XX/2009 Instrument No: XX<br> Florida Certificate of Death Recorded on 10/XX/2010 Instrument No: XX<br> Certificate of Death Recorded on 07/XX/2022 Instrument No: XX<br> Certification of Death Recorded on 02/XX/2024 Instrument No: XX<br> Certificate of Death Recorded on 04/XX/2026 Instrument No: XX" | No Assessment Breakdown Provided. <br> Annual: Annual<br> 2025 County Tax Amount: $555.79 Paid at Discount (Base Amount: $578.95) |  |
| 860 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | DOT recorded on XX/XX/XXXX, in Book XXX, Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3005.76 | $0.00 | $3005.76 | "Property Type: Single Family Residential<br>Power of Attorney recorded on 06/XX/2022, in Book XX, Page XX." | No assessment breakdown provided. |  |
| 488 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | Deed of Trust recorded on X/XX/XXXX in Book XXXX, Page XX. | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3494.28 | $0.00 | $3494.28 | "Property Type: Single Family Residential" |  |  |
| 2635 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | MTG Recorded on XX/XX/XXXX Instrument No: XXXXXXXXXXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3656.45 | $0.00 | $3656.45 | "Property Type: Single Family Residential<br> Beneficiary Deed Recorded on 03/XX/2025 Instrument No:XX" | No Assessment Breakdown Provided |  |
| 1608 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | assignment | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1088.00 | $0.00 | $1088.00 | "single family residential" |  |  |
| 2148 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | assignment for deed of trust bk XXXXX Page XX | XX | 1 | N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3109.53 | $0.00 | $3109.53 | "Property Type: Single Family Residence<br> A UCC instrument from XXdated Nov XX, 2023 and filed on Nov XX, 2023 in(book) XX(page) 11XX3, of the official property records of _COUNTY_ County, _STATE_ in favor of _GRANTEE_. _PURPOSE_" |  |  |
| 1649 | XX | Applicant Not in Title | **FAIL** | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Assigment Deed of Trust Ins. No.XXXXXXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $43381.73 | $0.00 | XX | XX | $2818.14 | $0.00 | $2818.14 | "Property Type: SFR" |  |  |
| 1969 | XX | Subject Not in 1st Position | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | assign on XXXX-XXX | XX | 2 | Y | XX | 11/XX/2019 | "Mtg mod on XXXX-XXX terms and agreements" | 1 | XX | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $11454.44 | $0.00 | $11454.44 | "Prop Type SFR" |  |  |
| 1107 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | assign on XXXXX-XXXXX | XX | 1 | Y | XX | 4/XX/2018 | "Closed End" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6122.47 | $0.00 | $6122.47 | "Prop Type SFR" |  |  |
| 1469 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | assign on XXXX-XXXX | XX | 1 | Y | XX | 8/XX/2014 | "Mtg mod on XXXX-XXXX terms and agreements" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $9131.38 | $0.00 | $9131.38 | "Prop Type SFR" |  |  |
| 1949 | XX |  | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | assign on XXXXX-XXX | XX | 1 | Y | XX | 5/XX/2021 | "Mtg mod on XXXXX-XXX terms and agreements" | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2981.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $6713.23 | $0.00 | $6713.23 | "Condominium<br> A UCC instrument from XX dated Mar XX, 2023 and filed on Mar XX, 2023 in(book) XX(page) XX(instrument) XX, of the official property records of _COUNTY_ County, _STATE_ in favor of _GRANTEE_. _PURPOSE_" | 2026 taxes<br> 2/XX/26 pd 1678<br> 5/XX/26 pd 1678<br> 8/XX/26 due 2008.11<br> 11/XX/26 na<br>City of XX Tax Collector<br> XX<br> Phone: (201) 646-3928 |  |
| 349 | XX | Subject Mortgage Not Found | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XX | $1494.59 | $0.00 | $1494.59 | "Property Type: SFR<br> No lis pendens found of record." | 2025-26 School Taxes $1,045.74 paid on 9/XX/2025 - No Assessment Breakdown Provided. |  |
| 1886 | XX | No Open Mortgage, Subject Mortgage Not Found | **FAIL** | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | N/A |  |  | N |  | XX | XX | XX | N/A | XX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $0.00 | $1469.03 | $0.00 | $1469.03 | "Property Type: unavailable<br> Name Variance:XX VESTED AS XX Co.-Trustee of the XX Grantor Revocable Trust dated December XX, 1998.<br> XXTolliver Deceased DOD 12/XX/1997 <br> XX Deceased DOD 10/XX/2010 , Estate Filed @ XX<br> NOTE: A New Survey is Needed for inaccurate Legal Description." | no breakdown available |  |
| 116 | XX | State Tax Lien | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Assignment Mortgage @XXX/XXX | XX | 1 | N |  |  |  | 0 | $0.00 | 1 | XX | $0.00 | $4696.51 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | XX | XX | $104.28 | $0.00 | $104.28 | "Property Type: SFR" |  |  |
| 89 | XX | Delinquent or Unpaid Taxes | **FAIL** | PASS | PASS | PASS | **FAIL** | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A |  |  | Y |  | XX | XX | XX | Assignment to Mortgage XXXXX | XX | 1 | N |  |  |  | 0 | $0.00 | 2 | XX | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1328.00 | $0.00 | $1328.00 | "Single Family Residence<br> Doc #33601<br> County Auditor's Certificate Executed Pursuant to Subdivision<br> Recorded Date: 01/XX/1965 <br> Doc #XX<br> Conveyance of Forfeited Lands <br> Date: 11/XX/1971<br> Recorded Date: 11/XX/1971<br> Address Variation:XX County" | No Breakdown provided |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_004.jpg)

![](ex99-3_002.jpg)

**June 19, 2026**<br> **Due Diligence Narrative Report** <br>

![](ex99-3_004.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work**<br>| **2** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 2 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 4 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 6 |
| &nbsp;&nbsp;&nbsp;Data Capture | 6 |
| **Data Compare Results** | **6** |
| **Clayton Due Diligence Results** | **7** |
| **Clayton Third Party Reports Delivered** | **7** |
| **Appendix C: Regulatory Compliance Review Scope** | **8** |

---

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NRMLT 2026-RPL1 Due Diligence Narrative Report Page \| 1 June 19, 2026

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![](ex99-3_004.jpg) ****

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](ex99-3_003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of NewRez LLC, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 128 residential loans. Rithm Capital Corp. subsequently selected these loans for the NRMLT 2026-RPL1 transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from May 2024 to June 2024. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Clayton's Third Party Review ("TPR") Scope of Work**

The scope of work for this transaction consisted of a regulatory compliance review and data integrity check.

REVIEW SCOPE # OF FILES REVIEWED <br> Regulatory Compliance Review 128 <br> Data Integrity Check 128

NRMLT 2026-RPL1 Due Diligence Narrative Report Page \| 2 June 19, 2026

![](ex99-3_004.jpg)

Loan Grading

Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton's loan grading is solely based on Clayton's independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Clayton's loan grading complied with rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Morningstar, Kroll and DBRS.

![](ex99-3_005.jpg)

NRMLT 2026-RPL1 Due Diligence Narrative Report Page \| 3 June 19, 2026

![](ex99-3_004.jpg)

TPR Component Review Scope

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in the loan documentation provided to Clayton.

REGULATORY COMPLIANCE REVIEW

Clayton's regulatory compliance scope of review conducted on 128 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix c</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for state-specific consumer protection laws including late charge and prepayment penalty provisions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Truth-in-lending/regulation Z (TILA) testing included the following:

- Notice of Right to Cancel (Right of Rescission) adherence if applicable;

- TIL Disclosure Timing (3/7/3) and disclosure content;

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

- Section 32 APR and Points and Fees Thresholds and prohibited practices;

- Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

- Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

- Prepayment Penalty restrictions; and

QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on <u>Appendix C</u> attached hereto.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing
included the following, for loans other than 'Covered Loans' and loans with an Application Date prior to 10/3/2015:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

GFE to HUD1 evaluation for 0% and 10% fee tolerances;

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firm's role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

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On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by Rithm Capital Corp.

<u>Compliance Review (Business Purpose, Non-Owner Occupied)</u> 

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton's audit law firm determined that only principal residences should be tested for IL high cost.

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

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Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 128 reviewed loans, by completing the following steps:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape data received from seller/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan reviewer collects validated loan data in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each received data point is compared to its counterpart collected data point;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Discrepancies found during comparison are stored;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each discrepancy is reported in a Loan Level Tape Compare Upload.

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data tape. The file format was provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**data Compare Results**

Clayton provided Rithm Capital Corp. with a copy of the Loan Level Tape Compare Upload which showed the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 128 loans reviewed.

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Balloon Flag | 10 | 92.19% |
| &nbsp;&nbsp;Borrower 1 First Name | 16 | 87.50% |
| &nbsp;&nbsp;Borrower 1 Last Name | 3 | 97.66% |
| &nbsp;&nbsp;Borrower 2 First Name | 3 | 97.66% |
| &nbsp;&nbsp;Borrower 2 Last Name | 5 | 96.09% |
| &nbsp;&nbsp;First Payment Date | 34 | 73.44% |
| &nbsp;&nbsp;Interest Only Term Flag | 2 | 98.44% |
| &nbsp;&nbsp;Loan Purpose | 1 | 99.22% |
| &nbsp;&nbsp;Note Rate | 35 | 72.66% |
| &nbsp;&nbsp;Number of Units | 1 | 99.22% |
| &nbsp;&nbsp;Occupancy Type | 1 | 99.22% |
| &nbsp;&nbsp;Original Appraised Value | 9 | 92.97% |
| &nbsp;&nbsp;Original P&I | 5 | 96.09% |
| &nbsp;&nbsp;Original Term | 9 | 92.97% |
| &nbsp;&nbsp;Origination Date | 25 | 80.47% |
| &nbsp;&nbsp;Property Type | 8 | 93.75% |
| &nbsp;&nbsp;Property Zip | 3 | 97.66% |

---

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**Clayton Due Diligence Results**

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

**<u>Initial and Final Overall Loan Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 17 |  |  |  | **17** |
| **Final** | **B** |  | 66 | 26 | 19 | **111** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **17** | **66** | **26** | **19** | **128** |

---

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

**<u>Initial and Final Regulatory Compliance Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 17 |  |  |  | **17** |
| **Final** | **B** |  | 66 | 26 | 19 | **111** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **17** | **66** | **26** | **19** | **128** |

---

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF Upload Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Loan Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. 15E Form

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**Appendix C: Regulatory Compliance Review Scope**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory
on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation
within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee
tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop
for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm
the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within
3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether
the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure
Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of
the prepayment penalty disclosure and assumption policy with the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application,
7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on
or after July 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs
identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the
loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance,
mandatory arbitration clauses, and NegAm Counseling (Section 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements
This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will
be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance.
This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosures ("TRID")

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official
Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after
the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is
triggered) is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated
payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one
option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past
experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

NRMLT 2026-RPL1 Due Diligence Narrative Report Page \| 10 June 19, 2026

![](ex99-3_004.jpg)

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp; Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including<br> Cleveland Heights ordinance |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

NRMLT 2026-RPL1 Due Diligence Narrative Report Page \| 11 June 19, 2026

![](ex99-3_004.jpg)

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

NRMLT 2026-RPL1 Due Diligence Narrative Report Page \| 12 June 19, 2026

![](ex99-3_004.jpg)

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

NRMLT 2026-RPL1 Due Diligence Narrative Report Page \| 13 June 19, 2026

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *128* |
| ***Loans with Conditions:*** | *111* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Full Diligence ID** |
| 82 | XX | XX | FL | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP307 | TILA - Missing TIL at application | No | Missing Initial TIL | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 82 | XX | XX | FL | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP308 | TILA - Missing TIL at closing | No | Missing Final TIL | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 82 | XX | XX | FL | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Loan Program Disclosure | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 82 | XX | XX | FL | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 84 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | The Borrowers did not date the final TIL when they signed | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 86 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | ARM loan program disclosure dated 12/XX/1998 is later than 3 days from application date of 12/XX/98. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 87 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 88 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Missing Final TIL | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 88 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP308 | TILA - Missing TIL at closing | No | Missing Final TIL | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 88 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE' | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 88 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Right of Rescission form | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 88 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing Right of Rescission form | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 89 | XX | XX | MN | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | The ARM Loan Program Disclosure is missing from the file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 89 | XX | XX | MN | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | The Right of Recission (ROR) form is missing from the file. Please provide the borrower with the ROR form. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 89 | XX | XX | MN | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | The Right of Recission (ROR) form is missing from the file. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 89 | XX | XX | MN | (No Data) | ATR/QM: Not Applicable B | Compliance | State Late Charges | Active B | CMPSLC1127 | Late Charge percentage exceeds regulatory limits | No | The late charge is a percentage of the overdue P&I which is stated as 6.00% after the grace period which is 15 calendar days. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 91 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP307 | TILA - Missing TIL at application | No | Missing initial TIL | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 91 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active D B | CMPFDCP308 | TILA - Missing TIL at closing | No | Missing TIL | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 91 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 96 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Missing signature date on the Final TIL | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 96 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable D B | Compliance | Finance Charge Tolerance | Active C B | CMPFINT109 | Finance charge understated by more than $35 (Pmt Stream) | No | Finance charges are understated by $50.86, Missing list of fees included in APR and breakdown of credits when applicable. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 96 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing the Disbursement on the HUD-1 | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 96 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing ROR. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 97 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing initial and final ARM disclosures | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 99 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP307 | TILA - Missing TIL at application | No | Missing initial til | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 99 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Loan Program Disclosure | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 99 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE in file | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 100 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP307 | TILA - Missing TIL at application | No | Missing initial TIL. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 100 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated, unable to confirm timely delivery. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 100 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM disclosure. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 102 | XX | XX | MO | (No Data) | ATR/QM: Not Applicable C B | Compliance | APR Tolerance | Active C B | CMPAPRT101 | APR - Irregular pmt loan; underdisclosed APR > 0.250% | No | APR on Final TIL disclosed as 13.6390% vs Clayton calculation of 14.2363; underdisclosed by 0.5973%. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 102 | XX | XX | MO | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | Initial ARM Loan Program missing from file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 102 | XX | XX | MO | (No Data) | ATR/QM: Not Applicable C B | Compliance | Finance Charge Tolerance | Active C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance Charge of $165,144.42 per Final TIL vs Clayton Calculation of $$178,621.83; underdisclosed by $13,477.41. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 103 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable C B | Compliance | APR Tolerance | Active C B | CMPAPRT101 | APR - Irregular pmt loan; underdisclosed APR > 0.250% | No | Final TIL does not balance. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 103 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP307 | TILA - Missing TIL at application | No | Missing initial TIL. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 103 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP320 | TILA - Prepay not disclosed on TIL | No | Prepayment not disclosed on TIL. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 103 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM disclosure. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 103 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable C B | Compliance | Finance Charge Tolerance | Active C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Final TIL does not balance. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 103 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable C B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 105 | XX | XX | FL | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP307 | TILA - Missing TIL at application | No | Missing Initial TIL in file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 105 | XX | XX | FL | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA845 | RESPA - GFE given after 3 days from application | No | Only GFE in file is dated 8/7/2000 | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 106 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Right of Rescission | Active C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR expiration date is 05/XX/2000. HUD reflects disbursement date of 05/XX/2000. Borrower did not receive full mandatory rescission period prior to disbursement of funds. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 107 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrower, unable to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 107 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | ARM Loan Program Disclosure missing from file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 107 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA845 | RESPA - GFE given after 3 days from application | No | Initial GFE missing from file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 107 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable B | Compliance | State Prepayment Penalty | Active B | CMPSTPP1383 | NC Home Loan - Prepayment Penalty Prohibited if OPB less than or equal to $150,000 | No | Prepayment Penalty Prohibited if OPB less than or equal to $150,000. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 109 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Loan Program Disclosure | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 109 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Right of Rescission form | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 109 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing Right of Rescission form | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 113 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA845 | RESPA - GFE given after 3 days from application | No | Only GFE disclosed at closing in file. Initial GFE missing. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 114 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE's | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 114 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Hud is missing disbursement date, unable to determine if funding date is after rescission period. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 115 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Missing right of rescission form. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 115 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP308 | TILA - Missing TIL at closing | No | Missing Final TIL. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 115 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Loan program disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 115 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 115 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing right of rescission form. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 115 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing right of rescission form. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 118 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrowers, unable to confirm timely delivery. | (No Data) | Applicable Statute of Limitation has expired. Final grade B,non-material. | (No Data) | Not Applicable | XX |
| 118 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | ARM Loan Program Disclosure missing from file. | (No Data) | Applicable Statute of Limitation has expired. Final grade B,non-material. | (No Data) | Not Applicable | XX |
| 120 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP307 | TILA - Missing TIL at application | No | Missing Initial TIL | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 120 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing Required ARM Loan Program Disclosure from file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 120 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable B | Compliance | State Prepayment Penalty | Active B | CMPSTPP1383 | NC Home Loan - Prepayment Penalty Prohibited if OPB less than or equal to $150,000 | No | Exception thrown in error. The Note amount is $XX so does not apply. Prepayment Penalty Prohibited if OPB less than or equal to $150,000 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 125 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 126 | XX | XX | VA | (No Data) | ATR/QM: Not Applicable B | Compliance | Documentation | Active B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | Note has P& I payment of $1134.37 while clayton calculation is $1134.15 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 126 | XX | XX | VA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 126 | XX | XX | VA | (No Data) | ATR/QM: Not Applicable B | Compliance | Finance Charge Tolerance | Active B | CMPFINT109 | Finance charge understated by more than $35 (Pmt Stream) | No | Final TIL disclosed finance charges of $321,925.77, per pay stream calculations, finance charges are $$321,963.05, resulting in understated finance charges of $37.28 which exceeds the maximum allowed of $35.00 unable to determine Missing Itemization | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 128 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL is not hand dated by the borrower | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 132 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 132 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing right of rescission. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 132 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing right of rescission. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 137 | XX | XX | KY | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 138 | XX | XX | MS | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 143 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP312 | TILA - Final TIL Date after actual transaction date | No | Final TIL printed date is 10/XX/2003, but borrower signature hand dated 10/XX/2003. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 143 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | ARM loan program disclosure signed 10/XX/2003, which is more than 3 days after application 09/XX/2023. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 143 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Final TIL is dated 10/XX/2003 which puts the ROR expiration date at 10/XX/2003. ROR reflects an expiration date of 10/XX/2003 based on the Borrower's signature date of 10/XX/2003. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 148 | XX | XX | OK | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | GFE is missing from file. Please provide GFE. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 148 | XX | XX | OK | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Unable to determine if funding date is after rescission period because Right of Rescission is missing from file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 148 | XX | XX | OK | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing Right of Rescission Form. Please provide Right of Rescission. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 150 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 150 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Subject Mortgage was dated 01/XX/2024. ROR Expiration date of 01/XX/2024 is prior to end of rescission period date of 01/XX/2004. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 150 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Final HUD-1 did not have a Disbursement Date. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 151 | XX | XX | LA | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Please provide GFE. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 153 | XX | XX | AL | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP307 | TILA - Missing TIL at application | No | Missing initial TIL. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 155 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | GFE Not in File | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 155 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing ROR | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 155 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | ROR - Missing | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 156 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | ARM Loan Program Disclosure is dated 5/XX/2004, transaction date, not within 3 days of application date of 4/XX/2004. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 156 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable B | Compliance | State Late Charges | Active B | CMPSLC1127 | Late Charge percentage exceeds regulatory limits | No | Late fee of 5.0% in 15 days exceeds state max of 4.0%. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 156 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable B | Compliance | State Prepayment Penalty | Active B | CMPSTPP100 | PPP - Prepayment penalty prohibited by state | No | Prepayment penalty prohibited by State. Prepayment expired 5/XX/2007. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 159 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Loan Program Disclosure in file. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 159 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable B | Compliance | State Consumer Protection | Active B | CMPSTCP955 | MI Home Loans - Borrower's Bill of Rights Not in File | No | Borrower's Bill of Rights Not in File | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 159 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable B | Compliance | State Consumer Protection | Active B | CMPSTCP961 | MI Home Loans - Consumer Caution/Homeownership Counseling Notice Not in File | No | Consumer Caution/Homeownership Counseling Notice Not in File | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 161 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 163 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP308 | TILA - Missing TIL at closing | No | Provide final TIL. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 163 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Provide initial GFE. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 164 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | ROR was not included in the mortgage documents provided. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 164 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | ROR was not included in the mortgage documents provided. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 165 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | ARM Disclosure dated 8-XX-2004 not within 3 days of Application date | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 168 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | ARM Disclosure is dated and signed on 8/XX/2004 (page 73). Missing ARM Disclosure Acknowledged 3 days from initial application date | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 168 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable B | Compliance | State Consumer Protection | Active B | CMPSTCP955 | MI Home Loans - Borrower's Bill of Rights Not in File | No | MI Home Loans - Borrower's Bill of Rights Not in File | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 168 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable B | Compliance | State Consumer Protection | Active B | CMPSTCP961 | MI Home Loans - Consumer Caution/Homeownership Counseling Notice Not in File | No | MI Home Loans - Consumer Caution/Homeownership Counseling Notice Not in File | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 169 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable C B | Compliance | APR Tolerance | Active C B | CMPAPRT100 | APR - Regular pmt loan; underdisclosed APR > 0.125% | No | Payment Type: RegularAPR Difference: -0.198Paystream APR Difference: -0.20 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 169 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable C B | Compliance | Finance Charge Tolerance | Active C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance Charge Difference - Paystream: -1534.99 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 169 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable C B | Compliance | State Consumer Protection | Active B | CMPSTCP955 | MI Home Loans - Borrower's Bill of Rights Not in File | No | Missing MI Borrower's Bill of Rights | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 169 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable C B | Compliance | State Consumer Protection | Active B | CMPSTCP961 | MI Home Loans - Consumer Caution/Homeownership Counseling Notice Not in File | No | Missing MI Homeownership Counseling Notice | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 170 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable B | Compliance | Documentation | Active B | CMPDOC5473 | Missing Prepayment Penalty Addendum | No | Missing Prepayment Addendum | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | (No Data) | XX |
| 171 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 173 | XX | XX | AL | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by the borrower. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 173 | XX | XX | AL | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | ARM Loan Program Disclosure dated 08/XX/2024 not within 3 days of initial application | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 173 | XX | XX | AL | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 173 | XX | XX | AL | (No Data) | ATR/QM: Not Applicable B | Compliance | State Prepayment Penalty | Active B | CMPSTPP100 | PPP - Prepayment penalty prohibited by state | No | Prepayment penalty prohibited by state of Alabama | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 174 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | GFE was not included in the mortgage documents provided. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 181 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable C B | Compliance | APR Tolerance | Active C B | CMPAPRT101 | APR - Irregular pmt loan; underdisclosed APR > 0.250% | No | Final TIL in file shows APR is 6.337% | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 181 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | ARM Disclosure signed and dated 12/XX/2004; Application date 10/XX/2004 | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 181 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP318 | TILA - TIL 1st payment date does not match Note 1st payment date | No | TIL shows first payment date 2/XX/2004, Note shows first payment date 02/XX/2005 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 181 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Finance Charge Tolerance | Active C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Final TIL shows finance charge as $XX | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 181 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable C B | Compliance | State Prepayment Penalty | Active B | CMPSTPP109 | PPP - Prepayment penalty can be exercised w/in 90 days of rate increase | No | Prepayment penalty can be exercised w/in 90 days of rate increase | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 183 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 184 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 186 | XX | XX | MS | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | A GFE was not included in the mortgage documents provided. Please provide missing document listed. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 186 | XX | XX | MS | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | The ROR was not included in the mortgage documents provided. Please provide missing document listed. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 186 | XX | XX | MS | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | The ROR was not included in the mortgage documents provided. Please provide missing document listed. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 187 | XX | XX | AZ | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | The ROR was not included in the mortgage documents provided. Please provide missing document listed. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 187 | XX | XX | AZ | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | The ROR was not included in the mortgage documents provided. Please provide missing document listed. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 189 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | ARM Disclosure not in file | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 190 | XX | XX | OR | (No Data) | ATR/QM: Not Applicable B | Compliance | APR Tolerance | Active B | CMPAPRT101 | APR - Irregular pmt loan; underdisclosed APR > 0.250% | No | Final HUD APR is 8.142%. Internal testing APR is 8.0574%. APR is overstated and difference of 0.0846%% exceeds the max tolerance of 0.1250%. Unable to determine the reason for the overstated Final CD APR. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 190 | XX | XX | OR | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP307 | TILA - Missing TIL at application | No | Missing Initial TIL | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 190 | XX | XX | OR | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Required ARM Loan Program Disclosure missing In file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 190 | XX | XX | OR | (No Data) | ATR/QM: Not Applicable B | Compliance | Finance Charge Tolerance | Active B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | The finance charges are understated by $-30228.29 which exceeds the maximum allowed of $100.00. Unable to determine the source of the understatement. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 190 | XX | XX | OR | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | GFE missing in file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 191 | XX | XX | NE | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 191 | XX | XX | NE | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Right of Rescission. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 191 | XX | XX | NE | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing Right of Rescission. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 202 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable B | Compliance | County High Cost | Active B | CMPCHC5381 | ILCK High-Cost Loan by exceeding APR threshold | No | Loan Rate is 7.345% which exceeds the threshold rate of 6.000%. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| Dropped | XX | XX | FL | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP3254 | TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner | No | ARM disclosure not dated. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| Dropped | XX | XX | FL | (No Data) | ATR/QM: Not Applicable C B | Compliance | Finance Charge Tolerance | Active C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge under disclosed by $247.55 due to only 6 day per diem at $41.81 per day or $250.86, Final HUD states 12 days per diem charged. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 435 | XX | XX | IN | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL note dated by the borrowers. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 206 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Required ARM Loan Program Disclosure missing | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 206 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable C B | Compliance | Finance Charge Tolerance | Active C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | The finance charges are understated by $170.38 which exceeds the maximum allowed of $100.00. Unable to determine the source of the understatement due to missing the TIL itemization. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 208 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 211 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 213 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP310 | TILA - Regular Payment per TIL not equal to Note Original P&I | No | Final TIL using Interest Only Payment, Note using P&I payment | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 213 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | Arm Disclosure dated 7-XX-2005 not within 3 days of application date 06-XX-2005 | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 213 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 214 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 215 | XX | XX | SD | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing initial ARM Loan Program Disclosure | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 215 | XX | XX | SD | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Missing Final TIL. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 215 | XX | XX | SD | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active D B | CMPFDCP308 | TILA - Missing TIL at closing | No | Missing Final TIL. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 215 | XX | XX | SD | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 215 | XX | XX | SD | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Final TIL | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 215 | XX | XX | SD | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing ROR. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 217 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable C B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | Step/Fixed payments | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 217 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP319 | TILA - Balloon Payment Not Disclosed | No | Step/Fixed payments | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 217 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable C B | Compliance | Finance Charge Tolerance | Active C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Step/Fixed payments | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 219 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | Missing initial Arm Loan Program Disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 224 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 224 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable B | Compliance | Finance Charge Tolerance | Active B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | The finance charges are understated by $552.88 which exceeds the maximum allowed of $100.00. Unable to determine the source of the understatement. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 225 | XX | XX | AZ | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 225 | XX | XX | AZ | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM disclosure. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 230 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable C B | Compliance | State Prepayment Penalty | Active C B | CMPSTPP106 | PPP - Prepayment penalty exceeds maximum allowed (%) | No | PPP exceeds maximum allowed. 6 mos interest or 500 whichever is greater. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 235 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Disclousre | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 238 | XX | XX | WA | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 245 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Borrower did not date final TIL | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 245 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA845 | RESPA - GFE given after 3 days from application | No | Missing initial GFE from Lender. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 247 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by the borrower. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 247 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | ARM disclosure signed at closing. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| Dropped | XX | XX | MN | (No Data) | ATR/QM: Not Applicable C B | Compliance | State Consumer Protection | Active B | CMPSTCP1549 | MN Home Loan- Initial Prepayment Penalty Disclosure not in file | No | MN Home Loan- Initial Prepayment Penalty Disclosure not in file. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| Dropped | XX | XX | MN | (No Data) | ATR/QM: Not Applicable C B | Compliance | State Consumer Protection | Active C B | CMPSTCP5223 | MN Home Loan - Final Prepay Penalty Disclosure > 3 days prior to closing | No | MN Home Loan - Final Prepay Penalty Disclosure > 3 days prior to closing. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | (No Data) | XX |
| Dropped | XX | XX | MN | (No Data) | ATR/QM: Not Applicable C B | Compliance | State Prepayment Penalty | Active B | CMPSTPP105 | PPP - State prohibits a PPP upon a bona fide sale of home; this PPP does not include a bona fide sale restriction. | No | PPP - State prohibits a PPP upon a bona fide sale of home; this PPP does not include a bona fide sale restriction. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| Dropped | XX | XX | MN | (No Data) | ATR/QM: Not Applicable C B | Compliance | State Prepayment Penalty | Active B | CMPSTPP1533 | MN Home Loan-Prepayment Penalty Exceeds Maximum Allowed | No | MN Home Loan-Prepayment Penalty Exceeds Maximum Allowed. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 248 | XX | XX | IN | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA845 | RESPA - GFE given after 3 days from application | No | Missing initial GFE. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 252 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 255 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 256 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 259 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 262 | XX | XX | MS | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 266 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable C B | Compliance | State Prepayment Penalty | Active C B | CMPSTPP100 | PPP - Prepayment penalty prohibited by state | No | Prepayment penalty prohibited by state | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 268 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 270 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP307 | TILA - Missing TIL at application | No | Missing TIL at application | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 270 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | Missing initial ARM Loan Program Disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 270 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA845 | RESPA - GFE given after 3 days from application | No | Missing initial GFE from Lender. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 273 | XX | XX | NC | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP315 | TILA - Sum of scheduled pmts not equal to Total of Payments | No | TIL Total of Payments: $356,365.83; Total Payments as Calculated: $356,285.89. Difference of $79.94 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 276 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 277 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable C B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission; ARM Note with Balloon PI $888.40 versus calculated PI $921.83. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 278 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP305 | TILA - TIL discl. not made within 3 days of application | No | Confirmed the original application was signed 01/XX/2006 and the initial TIL was dated 12/XX/2006. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 278 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP312 | TILA - Final TIL Date after actual transaction date | No | Confirmed the initial application date was 01/XX/2006. The final application was signed but no date was recorded. The initial TIL was dated 12/XX/2006, and the final TIL was dated 01/XX/2007. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 278 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP318 | TILA - TIL 1st payment date does not match Note 1st payment date | No | Confirmed the first payment date on the Note was recorded 02/XX/2007 and the first payment date on the final TIL reflects 02/XX/2007. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 278 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA845 | RESPA - GFE given after 3 days from application | No | Only signed GFE in file shows date 12/XX/2006 | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 282 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Final TIL in file is not signed by the borrowers. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 282 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL in file is not signed or dated. Provide borrower's receipt of disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 282 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP315 | TILA - Sum of scheduled pmts not equal to Total of Payments | No | TIL Total of Payments: $358,453.17 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 282 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable C B | Compliance | RESPA | Active B | CMPRESPA845 | RESPA - GFE given after 3 days from application | No | Initial application was issued on 1/XX/07, earliest GFE found in file is dated 1/XX/07. Provide GFE issued 3 days from application. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 282 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable C B | Compliance | State Consumer Protection | Active B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 282 | XX | XX | OH | (No Data) | ATR/QM: Not Applicable C B | Compliance | TILA | Active C B | CMPTILA1686 | Regular pmt loan; APR overdisclosed > 0.125% | No | Regular pmt loan; APR overdisclosed > 0.125% | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 1 | XX | XX | MD | (No Data) | ATR/QM: Not Applicable C B | Compliance | APR Tolerance | Active C B | CMPAPRT100 | APR - Regular pmt loan; underdisclosed APR > 0.125% | No | APR - Regular pmt loan; underdisclosed APR > 0.125%, 0.9953% due to pay history rewards included in pay stream. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 1 | XX | XX | MD | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP2095 | TILA - Cannot determine timely delivery of Initial TIL | No | Missing initial TIL. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 1 | XX | XX | MD | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP2105 | TILA - Cannot determine the delivery date of the Final TIL | No | Missing signed Final TIL. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 1 | XX | XX | MD | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Missing signed Final TIL. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 1 | XX | XX | MD | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Missing signed Final TIL. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 1 | XX | XX | MD | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Missing final signed TIL and Note date 12/XX/05, ROR dated 12/XX/05.. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 1 | XX | XX | MD | (No Data) | ATR/QM: Not Applicable C B | Compliance | Finance Charge Tolerance | Active C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge understated by $69,445.85 due to pay history rewards included in pay stream. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 1 | XX | XX | MD | (No Data) | ATR/QM: Not Applicable C B | Compliance | Right of Rescission | Active B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Note date 12/XX/05, ROR dated 12/XX/05. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 1 | XX | XX | MD | (No Data) | ATR/QM: Not Applicable C B | Compliance | Right of Rescission | Active C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Missing signed Final TIL. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 1 | XX | XX | MD | (No Data) | ATR/QM: Not Applicable C B | Compliance | State Late Charges | Active B | CMPSLC1129 | Late Charge amount exceeds regulatory limits | No | Late Charge amount exceeds regulatory limits. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 1 | XX | XX | MD | (No Data) | ATR/QM: Not Applicable C B | Compliance | State Late Charges | Active B | CMPSLC1131 | Late Charges - Grace Period not adequate under state law | No | 10 day Grace Period not adequate under MD state law. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 2 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable C B | Compliance | APR Tolerance | Active C B | CMPAPRT100 | APR - Regular pmt loan; underdisclosed APR > 0.125% | No | APR under disclosed by 1.3077% due to pay history decreases included on TIL. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 2 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP315 | TILA - Sum of scheduled pmts not equal to Total of Payments | No | Sum of scheduled pmts not equal to Total of Payments due to pay history decreases included on TIL. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 2 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable C B | Compliance | Finance Charge Tolerance | Active C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charges under disclosed by $24,652.84due to pay history decreases included on TIL. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 2 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable C B | Compliance | Texas Home Equity | Active B | CMPTXHE308 | Voluntary Same-Lender Debt disclosure not provided to borrower | No | Not the same lender. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 2 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable C B | Compliance | Texas Home Equity | Active B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42 Title Endorsement. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 2 | XX | XX | TX | (No Data) | ATR/QM: Not Applicable C B | Compliance | Texas Home Equity | Active B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 3 | XX | XX | VA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP315 | TILA - Sum of scheduled pmts not equal to Total of Payments | No | Total payments listed on the TIL is $218,729.52. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 3 | XX | XX | VA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Disbursement date is not shown on the final HUD-1 or Note/Final TIL. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 3 | XX | XX | VA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Section 32 | Active B | CMPS322063 | Lender's disclosed APR exceeds HOEPA threshold | No | Lender's disclosed APR exceeds HOEPA threshold. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 5 | XX | XX | NM | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Disbursement date on HUD | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 7 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | Note P&I of $1323.94 doesn't match calculated amount of $1323.85 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 7 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Documentation | Active D B | CMPDOC5473 | Missing Prepayment Penalty Addendum | No | Missing Prepayment Addendum | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | (No Data) | XX |
| 7 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing Arm Disclosure | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 7 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Missing Final TIL | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 7 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active D B | CMPFDCP308 | TILA - Missing TIL at closing | No | Missing Final TIL | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 7 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 7 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing ROR Form and Disbursement date on HUD | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 7 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing ROR Form | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 8 | XX | XX | NJ | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Final TIL is not signed by the borrowers | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 8 | XX | XX | NJ | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL is not hand dated by the borrowers, unable to confirm timely delivery | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 8 | XX | XX | NJ | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Disbursement Date on the HUD | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 8 | XX | XX | NJ | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing Right of Rescission form | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 9 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | GFE not on file | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 9 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | ROR missing from file to determine if funding date is after rescission period | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 9 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | ROR missing from file | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 11 | XX | XX | AL | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Disbursement date on HUD | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 12 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP2105 | TILA - Cannot determine the delivery date of the Final TIL | No | Final TIL not signed or dated by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 12 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Final TIL not signed or dated by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 12 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not signed or dated by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 12 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Missing ROR. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 12 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing ROR and signed final TIL. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 12 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing ROR. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 17 | XX | XX | TN | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| Dropped | XX | XX | TX | (No Data) | ATR/QM: Not Applicable |  |  |  |  |  |  |  |  |  |  |  | XX |
| 30 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | ARM loan program disclosure missing. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 30 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | ROR missing. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 30 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active D B | CMPFDCP308 | TILA - Missing TIL at closing | No | TIL missing. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 30 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | GFE missing. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 30 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | ROR missing. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 30 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | ROR missing. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 33 | XX | XX | CT | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL is not hand dated by the borrower, unable to confirm timely delivery | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 35 | XX | XX | DE | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL is not hand dated by borrowers. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 38 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Missing ROR | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 38 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active D B | CMPFDCP308 | TILA - Missing TIL at closing | No | Missing final Til | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 38 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 38 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing ROR | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 38 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing ROR | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 39 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | The final TIL was not signed or dated by the borrower. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 39 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | The final TIL was not signed or dated by the borrower. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 39 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Provide the GFE for the loan file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 40 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable D B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 40 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP2105 | TILA - Cannot determine the delivery date of the Final TIL | No | Cannot determine the delivery date of the Final TIL. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 40 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Final TIL not Executed. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 40 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated, unable to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 40 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 40 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA845 | RESPA - GFE given after 3 days from application | No | GFE given after 3 days from application. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 40 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Cannot determine if funding date is after rescission period. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 40 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing or Incomplete Right of Rescission form. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 41 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable C B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | The Note reflects the monthly payment amount as $945.45 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 41 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Final TIL is not signed and dated | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 41 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | The Til is not dated | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 41 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP318 | TILA - TIL 1st payment date does not match Note 1st payment date | No | The Note's first payment is due on 5/XX/2001 whereas the TIL reflects the first payment to be due on 5/XX/2001 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 41 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable C B | Compliance | Right of Rescission | Active B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | The ROR dated 4/XX/2001 reflects an expiration date of 4/XX/2001. The TIL on file does not include a date and/or signature. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 41 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable C B | Compliance | Right of Rescission | Active C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | The ROR is dated 4/XX/2001, the expiration date at 3 days is 4/XX/2001, and the borrower signed and dated on 4/XX/2001 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 42 | XX | XX | DE | (No Data) | ATR/QM: Not Applicable D B | Compliance | APR Tolerance | Active C B | CMPAPRT100 | APR - Regular pmt loan; underdisclosed APR > 0.125% | No | Note has 8.430 as the APR and the TIL shows 7.394% a difference of 1.036% | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 42 | XX | XX | DE | (No Data) | ATR/QM: Not Applicable D B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | Note shows P&I: $2351.60 while the TIL shows P&I: $2132.85 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 42 | XX | XX | DE | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP2105 | TILA - Cannot determine the delivery date of the Final TIL | No | TIL not signed or dated by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 42 | XX | XX | DE | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | TIL not signed or dated by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 42 | XX | XX | DE | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | TIL not signed or dated by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 42 | XX | XX | DE | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | ROR Missing from file. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 42 | XX | XX | DE | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP310 | TILA - Regular Payment per TIL not equal to Note Original P&I | No | Note shows P&I: $2351.60 while the TIL shows P&I: $2132.85 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 42 | XX | XX | DE | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | GFE Missing from File. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 42 | XX | XX | DE | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | ROR Missing from File. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 42 | XX | XX | DE | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | ROR Missing from File. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 44 | XX | XX | FL | (No Data) | ATR/QM: Not Applicable D B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | TIL and "Loan Repayment and Security Agreement"/Note reflect monthly payment iao $767.77, term period is 360 for principal of $64,877.78. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 44 | XX | XX | FL | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | TIL has borrower's initials but not dated by borrower | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 44 | XX | XX | FL | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 44 | XX | XX | FL | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Confirmed ROR not on file to determine if funding date is after rescission period | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 44 | XX | XX | FL | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Confirmed ROR not on file | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 45 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable C B | Compliance | APR Tolerance | Active C B | CMPAPRT100 | APR - Regular pmt loan; underdisclosed APR > 0.125% | No | Regular payment loan; under disclosed APR > 0.125%. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 45 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission. The difference is $60.02. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 45 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Final TIL not Executed. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 45 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated, unable to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 45 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP310 | TILA - Regular Payment per TIL not equal to Note Original P&I | No | Regular Payment per TIL not equal to Note Original P&I. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 45 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable C B | Compliance | RESPA | Active B | CMPRESPA845 | RESPA - GFE given after 3 days from application | No | GFE given after 3 days from application. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 45 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Cannot determine if funding date is after rescission period. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 46 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Missing Final TIL. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 46 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active D B | CMPFDCP308 | TILA - Missing TIL at closing | No | Missing Final TIL | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 46 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 48 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | Note P&I $892.57 does not match Calc P&I $892.55, possible payment schedule inaccuracy that could impact rescission | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 48 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Final TIL not Executed | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 48 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated, unable to confirm timely delivery | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 48 | XX | XX | GA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing disbursement date, Cannot determine if funding date is after rescission period | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 51 | XX | XX | MA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | The Note P&I is $2,591.85. The calculated P&I is $2591.82. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 51 | XX | XX | MA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Provide the signed and dated TIL for the loan file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 51 | XX | XX | MA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Provide the signed and dated TIL for the loan file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 51 | XX | XX | MA | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Provide the GFE for the loan file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 51 | XX | XX | MA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Provide the ROR for the loan file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 51 | XX | XX | MA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Provide the ROR for the loan file. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 52 | XX | XX | MI | (No Data) | ATR/QM: Not Applicable C B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | Per Note P&I is $1332.42. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 57 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | The Note has P&I: $758.43 but the Calculated P&I: $758.39 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 57 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP2105 | TILA - Cannot determine the delivery date of the Final TIL | No | TIL is not dated or signed by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 57 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | TIL is not dated or signed by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 57 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | TIL is not dated or signed by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 57 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | ROR missing from file. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 57 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | GFE missing from file. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 57 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | ROR missing from file. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 57 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | ROR missing from file. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 60 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Missing Disbursement date | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 60 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP308 | TILA - Missing TIL at closing | No | Missing Final TIL | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 60 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 60 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Right of Rescission . | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 60 | XX | XX | NY | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing Right of Rescission | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 64 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable C B | Compliance | APR Tolerance | Active C B | CMPAPRT100 | APR - Regular pmt loan; underdisclosed APR > 0.125% | No | TIL shows an APR of 6.547% and calculated APR is 7.6651 for an under disclosed APR or 1.1181% exceeding tolerance of .125% | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 64 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Final TIL is not executed | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 64 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL is not hand dated by Borrower | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 64 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Finance Charge Tolerance | Active C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | TIL disclosed Finance Charges of $30,353.52 and calculated Finance Charges per pay stream are $38,184.72 for an understatement of $7841.20. Pay stream has 14 entries reflecting the pay history reward available on the Note. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 64 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing disbursement date. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 65 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Documentation | Active D B | CMPDOC5473 | Missing Prepayment Penalty Addendum | No | Missing Prepayment Penalty Addendum | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | (No Data) | XX |
| 65 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Final TIL not Executed | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 65 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 65 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing ROR Cannot determine timely delivery of Initial TIL | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 65 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing ROR | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 66 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | Loan and Security Agreement reflects a P&I payment of $1678.52. Review calculation is $1678.54 for a difference of $0.02. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 66 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Final TIL is not signed by the borrowers | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 66 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL is not hand dated by the borrowers | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 67 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | TIL on file not signed/dated | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 67 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | TIL not signed/dated, and file missing delivery details. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 67 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | RESPA | Active B | CMPRESPA845 | RESPA - GFE given after 3 days from application | No | Application is missing from file; Please provide 1003 Application to determine if GFE is within compliance of application date. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 67 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Fully executed ROR is missing from file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 67 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Fully executed ROR is missing from file. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 69 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Documentation | Active C B | CMPDOC5556 | Note P&I doesn't equal Calc P&I; possible payment schedule inaccuracy that could impact rescission | No | Per Note P&I is $906.09 and the Calculated P&I is $906.05 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | Not Applicable | Not Applicable | XX |
| 69 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP2105 | TILA - Cannot determine the delivery date of the Final TIL | No | TIL not signed or dated by the borrower | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 69 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | TIL not signed or dated by the borrower | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 69 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | TIL not signed or dated by the borrower | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 69 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | ROR missing from file. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 69 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | ROR missing from file. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 69 | XX | XX | PA | (No Data) | ATR/QM: Not Applicable D B | Compliance | Right of Rescission | Active D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | ROR missing from file. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 72 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP2105 | TILA - Cannot determine the delivery date of the Final TIL | No | Final TIL in file is not dated | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 72 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Final TIL in file is not executed | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 72 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL in file is not hand dated by the borrower | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 72 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Final TIL in file is not dated, cannot determine whether borrower was provided their full rescission period | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 74 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | The final TIL was not signed or dated by the borrower. Provide a copy of the executed TIL for the loan file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 74 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | The final TIL was not signed or dated by the borrower. Provide a copy of the executed TIL for the loan file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 74 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP318 | TILA - TIL 1st payment date does not match Note 1st payment date | No | Confirmed the first payment date from the Note was captured accurately as 06/XX/2000. The final TIL first payment date is 06/XX/2000. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 74 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable C B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Provide the GFE for the loan file. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 75 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | Final TIL not Executed. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 75 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated, unable to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 75 | XX | XX | SC | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Cannot determine if funding date is after rescission period. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 78 | XX | XX | WV | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP2105 | TILA - Cannot determine the delivery date of the Final TIL | No | TIL not dated or signed by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 78 | XX | XX | WV | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP309 | TILA - Final TIL not Executed | No | TIL not dated or signed by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 78 | XX | XX | WV | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | TIL not dated or signed by the borrower. | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 78 | XX | XX | WV | (No Data) | ATR/QM: Not Applicable C B | Compliance | Federal Consumer Protection | Active C B | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | TIL not dated or signed by the borrower. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 78 | XX | XX | WV | (No Data) | ATR/QM: Not Applicable C B | Compliance | RESPA | Active B | CMPRESPA845 | RESPA - GFE given after 3 days from application | No | GFE dated 3/XX/00 | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 78 | XX | XX | WV | (No Data) | ATR/QM: Not Applicable C B | Compliance | Right of Rescission | Active C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR states 3/20/2000 deadline to cancel | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | (No Data) | XX |
| 81 | XX | XX | UT | (No Data) | ATR/QM: Not Applicable D B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 81 | XX | XX | UT | (No Data) | ATR/QM: Not Applicable D B | Compliance | TILA | Active C B | CMPTILA3186 | TILA - HELOC Exceeds APR Tolerance >0.125 | No | APR per note is 10.50%; APR per review is 10.3572% for a difference of 0.1428% which exceeds the maximum tolerance of 0.125%. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 81 | XX | XX | UT | (No Data) | ATR/QM: Not Applicable D B | Compliance | TILA | Active D B | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | Missing initial HELOC disclosure. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 300 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP307 | TILA - Missing TIL at application | No | Missing Initial TIL | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 300 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP308 | TILA - Missing TIL at closing | No | Missing Final TIL | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 300 | XX | XX | CO | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 304 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL is not hand dated by the borrower, unable to confirm timely delivery | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 304 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable B | Compliance | RESPA | Active B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 304 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing right of rescission form. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 304 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing right of rescission form. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 299 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP310 | TILA - Regular Payment per TIL not equal to Note Original P&I | No | Note P&I $3183.32 and TIL Regular Payment $3482.57, a difference of $299.25. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 299 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable B | Compliance | Federal Consumer Protection | Active B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Loan Program Disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 299 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing right of rescission form. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |
| 299 | XX | XX | CA | (No Data) | ATR/QM: Not Applicable B | Compliance | Right of Rescission | Active B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing right of rescission form. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | XX |
| 298 | XX | XX | IL | (No Data) | ATR/QM: Not Applicable B | Compliance | County High Cost | Active B | CMPCHC5380 | ILCK High-Cost Loan by exceeding points and fees threshold | No | Adjusted Charges of $5,721.50 equal to 6.7270%; Maximum charges allowed $4,252.60 or 5.000%; charges exceed by $1,468.90 or 1.7270%. | (No Data) | (No Data) | (No Data) | Not Applicable | XX |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

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| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *85* |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** | **Full Diligence ID** |
| 82 | XX | XX | Borrower 1 Last Name | XX | XX | XX |
| 87 | XX | XX | Origination Date | XX | XX | XX |
| 88 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 91 | XX | XX | Balloon Flag | Not a Balloon | Balloon by Note Design | XX |
| 91 | XX | XX | Original Term | 361 | 180 | XX |
| 96 | XX | XX | Note Rate | XX | XX | XX |
| 100 | XX | XX | Borrower 1 Last Name | XX | XX | XX |
| 100 | XX | XX | Number of Units | 2 | 1 | XX |
| 100 | XX | XX | Property Type | 2 Family | SFR | XX |
| 102 | XX | XX | Origination Date | XX | XX | XX |
| 103 | XX | XX | Note Rate | XX | XX | XX |
| 103 | XX | XX | Original P&I | 330 | 370.03 | XX |
| 103 | XX | XX | Origination Date | XX | XX | XX |
| 103 | XX | XX | Property Type | Low Rise Condo (1-4) | Detached PUD | XX |
| 105 | XX | XX | Note Rate | XX | XX | XX |
| 106 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 106 | XX | XX | Origination Date | XX | XX | XX |
| 107 | XX | XX | Original Appraised Value | XX | XX | XX |
| 109 | XX | XX | Note Rate | XX | XX | XX |
| 114 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 115 | XX | XX | Note Rate | XX | XX | XX |
| 120 | XX | XX | Original Appraised Value | XX | XX | XX |
| 125 | XX | XX | Original Appraised Value | XX | XX | XX |
| 125 | XX | XX | Property Type | SFR | Manufactured (Dbl) | XX |
| 126 | XX | XX | First Payment Date | XX | XX | XX |
| 151 | XX | XX | Borrower 2 Last Name | XX | XX | XX |
| 153 | XX | XX | Original Term | 249 | 360 | XX |
| 163 | XX | XX | Property Zip | XX | XX | XX |
| 165 | XX | XX | First Payment Date | XX | XX | XX |
| 168 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 168 | XX | XX | Property Zip | XX | XX | XX |
| 169 | XX | XX | Balloon Flag | Not a Balloon | Balloon by Note Design | XX |
| 169 | XX | XX | Note Rate | XX | XX | XX |
| 174 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 174 | XX | XX | Borrower 1 Last Name | XX | XX | XX |
| 183 | XX | XX | Note Rate | XX | XX | XX |
| 184 | XX | XX | Note Rate | XX | XX | XX |
| 186 | XX | XX | Note Rate | XX | XX | XX |
| 189 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 190 | XX | XX | Borrower 2 Last Name | XX | XX | XX |
| 202 | XX | XX | Note Rate | XX | XX | XX |
| Dropped | XX | XX | Borrower 1 First Name | XX | XX | XX |
| Dropped | XX | XX | Borrower 2 First Name | XX | XX | XX |
| Dropped | XX | XX | Interest Only Term Flag | No | Yes | XX |
| Dropped | XX | XX | Note Rate | XX | XX | XX |
| Dropped | XX | XX | Property Type | SFR | Detached PUD | XX |
| 206 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 206 | XX | XX | Original Appraised Value | XX | XX | XX |
| 208 | XX | XX | Note Rate | XX | XX | XX |
| 213 | XX | XX | Note Rate | XX | XX | XX |
| 213 | XX | XX | Original P&I | 2349.54 | 2785.2 | XX |
| 214 | XX | XX | Balloon Flag | Not a Balloon | Balloon by Note Design | XX |
| 214 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 214 | XX | XX | Original Term | 360 | 180 | XX |
| 217 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 217 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 217 | XX | XX | Original Appraised Value | XX | XX | XX |
| 225 | XX | XX | Note Rate | XX | XX | XX |
| 225 | XX | XX | Property Type | SFR | Detached PUD | XX |
| 235 | XX | XX | Original Appraised Value | XX | XX | XX |
| 247 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 247 | XX | XX | Note Rate | XX | XX | XX |
| Dropped | XX | XX | Balloon Flag | Not a Balloon | Balloon by Note Design | XX |
| Dropped | XX | XX | Note Rate | XX | XX | XX |
| Dropped | XX | XX | Original Appraised Value | XX | XX | XX |
| 248 | XX | XX | Balloon Flag | Not a Balloon | Balloon by Note Design | XX |
| 248 | XX | XX | Origination Date | XX | XX | XX |
| 252 | XX | XX | Balloon Flag | Not a Balloon | Balloon by Note Design | XX |
| 252 | XX | XX | Original Term | 480 | 360 | XX |
| 256 | XX | XX | Balloon Flag | Not a Balloon | Balloon by Note Design | XX |
| 256 | XX | XX | Borrower 2 Last Name | XX | XX | XX |
| 256 | XX | XX | Property Type | SFR | Detached PUD | XX |
| 259 | XX | XX | Note Rate | XX | XX | XX |
| 270 | XX | XX | Interest Only Term Flag | No | Yes | XX |
| 270 | XX | XX | Note Rate | XX | XX | XX |
| 273 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 276 | XX | XX | Borrower 2 Last Name | XX | XX | XX |
| 277 | XX | XX | Balloon Flag | Not a Balloon | Balloon by Note Design | XX |
| 277 | XX | XX | First Payment Date | XX | XX | XX |
| 277 | XX | XX | Note Rate | XX | XX | XX |
| 278 | XX | XX | First Payment Date | XX | XX | XX |
| 282 | XX | XX | Loan Purpose | Cashout Refi | Rate and Term Refi | XX |
| 1 | XX | XX | First Payment Date | XX | XX | XX |
| 1 | XX | XX | Note Rate | XX | XX | XX |
| 1 | XX | XX | Property Type | Low Rise Condo (1-4) | Attached PUD | XX |
| 2 | XX | XX | First Payment Date | XX | XX | XX |
| 3 | XX | XX | First Payment Date | XX | XX | XX |
| 3 | XX | XX | Note Rate | XX | XX | XX |
| 5 | XX | XX | First Payment Date | XX | XX | XX |
| 5 | XX | XX | Original Appraised Value | XX | XX | XX |
| 5 | XX | XX | Origination Date | XX | XX | XX |
| 7 | XX | XX | First Payment Date | XX | XX | XX |
| 8 | XX | XX | First Payment Date | XX | XX | XX |
| 8 | XX | XX | Origination Date | XX | XX | XX |
| 9 | XX | XX | Origination Date | XX | XX | XX |
| 11 | XX | XX | First Payment Date | XX | XX | XX |
| 12 | XX | XX | First Payment Date | XX | XX | XX |
| 12 | XX | XX | Note Rate | XX | XX | XX |
| 17 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 17 | XX | XX | First Payment Date | XX | XX | XX |
| Dropped | XX | XX | First Payment Date | XX | XX | XX |
| Dropped | XX | XX | Original Appraised Value | XX | XX | XX |
| 33 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 33 | XX | XX | Occupancy Type | Primary | Investor | XX |
| 39 | XX | XX | First Payment Date | XX | XX | XX |
| 39 | XX | XX | Note Rate | XX | XX | XX |
| 39 | XX | XX | Origination Date | XX | XX | XX |
| 40 | XX | XX | First Payment Date | XX | XX | XX |
| 40 | XX | XX | Note Rate | XX | XX | XX |
| 40 | XX | XX | Origination Date | XX | XX | XX |
| 41 | XX | XX | First Payment Date | XX | XX | XX |
| 41 | XX | XX | Origination Date | XX | XX | XX |
| 42 | XX | XX | First Payment Date | XX | XX | XX |
| 42 | XX | XX | Note Rate | XX | XX | XX |
| 42 | XX | XX | Original P&I | 2132.85 | 2351.6 | XX |
| 42 | XX | XX | Original Term | 336 | 360 | XX |
| 42 | XX | XX | Origination Date | XX | XX | XX |
| 44 | XX | XX | First Payment Date | XX | XX | XX |
| 45 | XX | XX | First Payment Date | XX | XX | XX |
| 46 | XX | XX | Note Rate | XX | XX | XX |
| 46 | XX | XX | Original P&I | 612.31 | 681.83 | XX |
| 46 | XX | XX | Original Term | 290 | 360 | XX |
| 46 | XX | XX | Origination Date | XX | XX | XX |
| 48 | XX | XX | First Payment Date | XX | XX | XX |
| 48 | XX | XX | Note Rate | XX | XX | XX |
| 48 | XX | XX | Origination Date | XX | XX | XX |
| 51 | XX | XX | First Payment Date | XX | XX | XX |
| 51 | XX | XX | Note Rate | XX | XX | XX |
| 51 | XX | XX | Origination Date | XX | XX | XX |
| 52 | XX | XX | First Payment Date | XX | XX | XX |
| 52 | XX | XX | Original P&I | 1134.9 | 1332.42 | XX |
| 52 | XX | XX | Original Term | 360 | 180 | XX |
| 52 | XX | XX | Origination Date | XX | XX | XX |
| 57 | XX | XX | First Payment Date | XX | XX | XX |
| 57 | XX | XX | Origination Date | XX | XX | XX |
| 60 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 60 | XX | XX | First Payment Date | XX | XX | XX |
| 64 | XX | XX | First Payment Date | XX | XX | XX |
| 64 | XX | XX | Note Rate | XX | XX | XX |
| 64 | XX | XX | Original Term | 260 | 240 | XX |
| 64 | XX | XX | Origination Date | XX | XX | XX |
| 65 | XX | XX | First Payment Date | XX | XX | XX |
| 65 | XX | XX | Note Rate | XX | XX | XX |
| 65 | XX | XX | Origination Date | XX | XX | XX |
| 66 | XX | XX | First Payment Date | XX | XX | XX |
| 66 | XX | XX | Origination Date | XX | XX | XX |
| 67 | XX | XX | Borrower 1 First Name | XX | XX | XX |
| 67 | XX | XX | Borrower 2 First Name | XX | XX | XX |
| 67 | XX | XX | First Payment Date | XX | XX | XX |
| 67 | XX | XX | Note Rate | XX | XX | XX |
| 67 | XX | XX | Origination Date | XX | XX | XX |
| 69 | XX | XX | First Payment Date | XX | XX | XX |
| 69 | XX | XX | Note Rate | XX | XX | XX |
| 69 | XX | XX | Origination Date | XX | XX | XX |
| 72 | XX | XX | First Payment Date | XX | XX | XX |
| 72 | XX | XX | Note Rate | XX | XX | XX |
| 72 | XX | XX | Original Term | 483 | 360 | XX |
| 72 | XX | XX | Origination Date | XX | XX | XX |
| 74 | XX | XX | First Payment Date | XX | XX | XX |
| 75 | XX | XX | First Payment Date | XX | XX | XX |
| 75 | XX | XX | Note Rate | XX | XX | XX |
| 75 | XX | XX | Origination Date | XX | XX | XX |
| 78 | XX | XX | Borrower 2 Last Name | XX | XX | XX |
| 78 | XX | XX | First Payment Date | XX | XX | XX |
| 78 | XX | XX | Note Rate | XX | XX | XX |
| 78 | XX | XX | Origination Date | XX | XX | XX |
| 300 | XX | XX | Balloon Flag | Balloon by Note Design | Not a Balloon | XX |
| 300 | XX | XX | Property Type | Commercial | SFR | XX |
| 300 | XX | XX | Property Zip | XX | XX | XX |
| 304 | XX | XX | Balloon Flag | Not a Balloon | Balloon by Note Design | XX |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *128* |
| ***Loans with Conditions:*** | *111* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** | **Full Diligence ID** |
| 82 | XX | XX | Not Applicable B | (No Data) | XX |
| 84 | XX | XX | Not Applicable B | (No Data) | XX |
| 86 | XX | XX | XX B | (No Data) | XX |
| 87 | XX | XX | Not Applicable | (No Data) | XX |
| 88 | XX | XX | XX B | (No Data) | XX |
| 89 | XX | (No Data) | Not Applicable B | (No Data) | XX |
| 91 | XX | XX | XX D B | (No Data) | XX |
| 96 | XX | XX | Not Applicable D B | (No Data) | XX |
| 97 | XX | XX | XX B | (No Data) | XX |
| 99 | XX | XX | Not Applicable B | (No Data) | XX |
| 100 | XX | XX | XX B | (No Data) | XX |
| 102 | XX | XX | XX C B | (No Data) | XX |
| 103 | XX | XX | XX C B | (No Data) | XX |
| 105 | XX | XX | Not Applicable B | (No Data) | XX |
| 106 | XX | XX | XX C B | (No Data) | XX |
| 107 | XX | XX | XX B | (No Data) | XX |
| 109 | XX | XX | XX B | (No Data) | XX |
| 113 | XX | XX | Not Applicable B | (No Data) | XX |
| 114 | XX | XX | Not Applicable B | (No Data) | XX |
| 115 | XX | XX | XX B | (No Data) | XX |
| 118 | XX | XX | XX B | (No Data) | XX |
| 120 | XX | XX | Not Applicable B | (No Data) | XX |
| 125 | XX | XX | Not Applicable | (No Data) | XX |
| 126 | XX | XX | Not Applicable B | (No Data) | XX |
| 128 | XX | XX | XX B | (No Data) | XX |
| 132 | XX | XX | Not Applicable B | (No Data) | XX |
| 137 | XX | XX | XX A | (No Data) | XX |
| 138 | XX | XX | Not Applicable | (No Data) | XX |
| 143 | XX | XX | XX B | (No Data) | XX |
| 148 | XX | XX | Not Applicable B | (No Data) | XX |
| 150 | XX | XX | Not Applicable B | (No Data) | XX |
| 151 | XX | XX | Not Applicable B | (No Data) | XX |
| 153 | XX | XX | XX B | (No Data) | XX |
| 155 | XX | XX | Not Applicable B | (No Data) | XX |
| 156 | XX | XX | Not Applicable B | (No Data) | XX |
| 159 | XX | XX | Not Applicable B | (No Data) | XX |
| 161 | XX | XX | XX A | (No Data) | XX |
| 163 | XX | XX | XX B | (No Data) | XX |
| 164 | XX | (No Data) | Not Applicable B | (No Data) | XX |
| 165 | XX | XX | XX B | (No Data) | XX |
| 168 | XX | XX | Not Applicable B | (No Data) | XX |
| 169 | XX | XX | XX C B | (No Data) | XX |
| 170 | XX | XX | Not Applicable B | (No Data) | XX |
| 171 | XX | XX | Not Applicable B | (No Data) | XX |
| 173 | XX | XX | XX B | (No Data) | XX |
| 174 | XX | XX | XX B | (No Data) | XX |
| 181 | XX | XX | Not Applicable C B | (No Data) | XX |
| 183 | XX | XX | Not Applicable | (No Data) | XX |
| 184 | XX | XX | XX A | (No Data) | XX |
| 186 | XX | XX | XX B | (No Data) | XX |
| 187 | XX | XX | Not Applicable B | (No Data) | XX |
| 189 | XX | XX | XX B | (No Data) | XX |
| 190 | XX | XX | XX B | (No Data) | XX |
| 191 | XX | XX | Not Applicable B | (No Data) | XX |
| 202 | XX | XX | Not Applicable B | (No Data) | XX |
| Dropped | XX | XX | XX C B | (No Data) | XX |
| 435 | XX | XX | XX B | (No Data) | XX |
| 206 | XX | XX | XX C B | (No Data) | XX |
| 208 | XX | XX | Not Applicable B | (No Data) | XX |
| 211 | XX | XX | XX A | (No Data) | XX |
| 213 | XX | XX | XX B | (No Data) | XX |
| 214 | XX | XX | XX A | (No Data) | XX |
| 215 | XX | XX | Not Applicable D B | (No Data) | XX |
| 217 | XX | XX | Not Applicable C B | (No Data) | XX |
| 219 | XX | XX | Not Applicable B | (No Data) | XX |
| 224 | XX | XX | Not Applicable B | (No Data) | XX |
| 225 | XX | XX | XX B | (No Data) | XX |
| 230 | XX | XX | XX C B | (No Data) | XX |
| 235 | XX | XX | XX B | (No Data) | XX |
| 238 | XX | XX | XX A | (No Data) | XX |
| 245 | XX | XX | XX B | (No Data) | XX |
| 247 | XX | XX | XX B | (No Data) | XX |
| Dropped | XX | XX | XX C B | (No Data) | XX |
| 248 | XX | XX | XX B | (No Data) | XX |
| 252 | XX | XX | XX A | (No Data) | XX |
| 255 | XX | XX | XX A | (No Data) | XX |
| 256 | XX | XX | XX B | (No Data) | XX |
| 259 | XX | XX | XX A | (No Data) | XX |
| 262 | XX | XX | XX B | (No Data) | XX |
| 266 | XX | XX | XX C B | (No Data) | XX |
| 268 | XX | XX | XX A | (No Data) | XX |
| 270 | XX | XX | XX B | (No Data) | XX |
| 273 | XX | XX | Not Applicable C B | (No Data) | XX |
| 276 | XX | XX | XX A | (No Data) | XX |
| 277 | XX | XX | XX C B | (No Data) | XX |
| 278 | XX | XX | Not Applicable B | (No Data) | XX |
| 282 | XX | XX | XX C B | (No Data) | XX |
| 1 | XX | XX | XX C B | (No Data) | XX |
| 2 | XX | XX | XX C B | (No Data) | XX |
| 3 | XX | XX | Not Applicable C B | (No Data) | XX |
| 5 | XX | XX | Not Applicable B | (No Data) | XX |
| 7 | XX | XX | Not Applicable D B | (No Data) | XX |
| 8 | XX | XX | Not Applicable D B | (No Data) | XX |
| 9 | XX | XX | Not Applicable D B | (No Data) | XX |
| 11 | XX | XX | Not Applicable B | (No Data) | XX |
| 12 | XX | XX | Not Applicable D B | (No Data) | XX |
| 17 | XX | XX | Not Applicable | (No Data) | XX |
| Dropped | XX | XX | Not Applicable | (No Data) | XX |
| 30 | XX | XX | Not Applicable D B | (No Data) | XX |
| 33 | XX | XX | Not Applicable B | (No Data) | XX |
| 35 | XX | XX | Not Applicable B | (No Data) | XX |
| 38 | XX | XX | Not Applicable D B | (No Data) | XX |
| 39 | XX | XX | Not Applicable B | (No Data) | XX |
| 40 | XX | XX | Not Applicable D B | (No Data) | XX |
| 41 | XX | (No Data) | Not Applicable C B | (No Data) | XX |
| 42 | XX | XX | Not Applicable D B | (No Data) | XX |
| 44 | XX | XX | Not Applicable D B | (No Data) | XX |
| 45 | XX | XX | Not Applicable C B | (No Data) | XX |
| 46 | XX | XX | Not Applicable D B | (No Data) | XX |
| 48 | XX | XX | Not Applicable C B | (No Data) | XX |
| 51 | XX | XX | Not Applicable D B | (No Data) | XX |
| 52 | XX | XX | Not Applicable C B | (No Data) | XX |
| 57 | XX | XX | Not Applicable D B | (No Data) | XX |
| 60 | XX | XX | Not Applicable B | (No Data) | XX |
| 64 | XX | XX | Not Applicable C B | (No Data) | XX |
| 65 | XX | XX | Not Applicable D B | (No Data) | XX |
| 66 | XX | XX | Not Applicable C B | (No Data) | XX |
| 67 | XX | XX | Not Applicable D B | (No Data) | XX |
| 69 | XX | XX | Not Applicable D B | (No Data) | XX |
| 72 | XX | XX | Not Applicable C B | (No Data) | XX |
| 74 | XX | XX | Not Applicable C B | (No Data) | XX |
| 75 | XX | (No Data) | Not Applicable B | (No Data) | XX |
| 78 | XX | XX | Not Applicable C B | (No Data) | XX |
| 81 | XX | XX | Not Applicable D B | (No Data) | XX |
| 300 | XX | XX | XX B | (No Data) | XX |
| 304 | XX | XX | Not Applicable B | (No Data) | XX |
| 299 | XX | XX | XX B | (No Data) | XX |
| 298 | XX | XX | XX B | (No Data) | XX |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549**

**FORM ABS DUE DILIGENCE-15E**

**CERTIFICATION OF PROVIDER OF THIRD-PARTY DUE DILIGENCE SERVICES FOR ASSET-BACKED SECURITIES**

**ITEM 1: IDENTITY OF THE PERSON PROVIDING THIRD PARTY DUE DILIGENCE SERVICES** 

Legal Name: **<u>Infinity International Processing Services. Inc. DBA Infinity IPS</u>**

Business Name (if Different):

Principal Business Address: **<u>15310 Amberly Drive, Suite 250 Tampa Florida 33647</u>**

**ITEM 2: IDENTITY OF THE PERSON WHO PAID THE PERSON TO PROVIDE DUE DILIGENCE SERVICES** 

Legal Name: **<u>Rithm Capital Corp.</u>**

Business Name (If Different):

Principal Business Address: **<u>799 Broadway, 9th Floor, New York, NY 10003</u>**

**ITEM 3: CREDIT RATING CRITERIA**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 2, 2025 |

---

**CERTIFICATION**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects on and as of the date hereof.

Name of the Person Identified in Item 1: **<u>Infinity International Processing Services, Inc. DBA Infinity IPS</u>**

By: **<u>Chandresh Mehta, Chief Executive Officer</u>**

Signature: _________________________

Date: ____________________________

**ITEM 4: DESESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Rithm Capital Corp. ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

1 \| P a g e

![](ex99-4_001.jpg)

The Review population is comprised of one hundred and twenty (120) mortgage loans that were originally reviewed in June 2024.

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

The mortgage loan review was broken down into the following review scopes:

▪ "Compliance Review" 120 Mortgage Loans

▪ "Credit Review" 0 Mortgage Loan

▪ "Property Review" 0 Mortgage Loan

▪ "Data Integrity" 120 Mortgage Loans

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

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

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

For one hundred and twenty (120) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Look back Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

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

Not Applicable

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

Not Applicable

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

Infinity completed a Compliance Review on one hundred and twenty (120) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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![](ex99-4_001.jpg)

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required
disclosures;

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

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vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Infinity reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and

(iii) in the preceding paragraph. In addition, Infinity reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

 

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

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

 

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

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

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

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

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

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

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

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

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

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such** 

**authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

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

**(X) Recording Review**

Infinity noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

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

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and

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

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**ITEM 5: SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch").

**OVERALL RESULTS SUMMARY (120 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers one hundred and twenty (120) mortgage loans. Within those mortgage loans, Infinity graded one hundred and twenty (120) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;120 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;120 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (120 MORTGAGE LOANS)**

Of the one hundred and twenty (120) mortgage loans reviewed, 119 (99.17%) mortgage loans had tape discrepancies across forty-five (45) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Amortized Remaining Term | &nbsp;&nbsp;98 | &nbsp;&nbsp;120 | &nbsp;&nbsp;81.67% |
| &nbsp;&nbsp;Amortized Term (Calculated) | &nbsp;&nbsp;3 | &nbsp;&nbsp;120 | &nbsp;&nbsp;2.50% |
| &nbsp;&nbsp;Any Borrowers Foreign National Indicator | &nbsp;&nbsp;75 | &nbsp;&nbsp;120 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;ARM Index Margin Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;120 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;ARM Interest Rate Rounding Factor | &nbsp;&nbsp;4 | &nbsp;&nbsp;120 | &nbsp;&nbsp;3.33% |
| &nbsp;&nbsp;ARM Lifetime Floor Percent | &nbsp;&nbsp;6 | &nbsp;&nbsp;120 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;Balloon Indicator | &nbsp;&nbsp;6 | &nbsp;&nbsp;120 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;Borrower #2 First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;120 | &nbsp;&nbsp;3.33% |
| &nbsp;&nbsp;Borrower #2 Last Name | &nbsp;&nbsp;82 | &nbsp;&nbsp;120 | &nbsp;&nbsp;68.33% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;13 | &nbsp;&nbsp;120 | &nbsp;&nbsp;10.83% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;120 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;Did a Modification Change Note Terms? | &nbsp;&nbsp;6 | &nbsp;&nbsp;120 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;Escrow Account Indicator | &nbsp;&nbsp;9 | &nbsp;&nbsp;120 | &nbsp;&nbsp;7.50% |

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;First Pay Change Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;120 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;30 | &nbsp;&nbsp;120 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;120 | &nbsp;&nbsp;5.00% |
| &nbsp;&nbsp;Interest Only Expiration Date | &nbsp;&nbsp;28 | &nbsp;&nbsp;120 | &nbsp;&nbsp;23.33% |
| &nbsp;&nbsp;Interest Only Period? | &nbsp;&nbsp;3 | &nbsp;&nbsp;120 | &nbsp;&nbsp;2.50% |
| &nbsp;&nbsp;Loan Amortization Type | &nbsp;&nbsp;24 | &nbsp;&nbsp;120 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Loan Original Maturity Term Months | &nbsp;&nbsp;37 | &nbsp;&nbsp;120 | &nbsp;&nbsp;30.83% |
| &nbsp;&nbsp;Mtg Insurance Doc Status MI Cert in File? | &nbsp;&nbsp;105 | &nbsp;&nbsp;120 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Neg. Amort Potential? | &nbsp;&nbsp;70 | &nbsp;&nbsp;120 | &nbsp;&nbsp;58.33% |
| &nbsp;&nbsp;Next Pay Change Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;120 | &nbsp;&nbsp;9.17% |
| &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;120 | &nbsp;&nbsp;10.83% |
| &nbsp;&nbsp;Number of Signatures on Note | &nbsp;&nbsp;1 | &nbsp;&nbsp;120 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;Number Of Units | &nbsp;&nbsp;4 | &nbsp;&nbsp;120 | &nbsp;&nbsp;3.33% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;95 | &nbsp;&nbsp;120 | &nbsp;&nbsp;79.17% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;82 | &nbsp;&nbsp;120 | &nbsp;&nbsp;68.33% |
| &nbsp;&nbsp;Original Balance (or Line Amount) | &nbsp;&nbsp;24 | &nbsp;&nbsp;120 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;111 | &nbsp;&nbsp;120 | &nbsp;&nbsp;92.50% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;120 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;117 | &nbsp;&nbsp;120 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;Original Stated P&I | &nbsp;&nbsp;5 | &nbsp;&nbsp;120 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;Original Stated Rate | &nbsp;&nbsp;45 | &nbsp;&nbsp;120 | &nbsp;&nbsp;37.50% |
| &nbsp;&nbsp;Property Address Street | &nbsp;&nbsp;71 | &nbsp;&nbsp;120 | &nbsp;&nbsp;59.17% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;3 | &nbsp;&nbsp;120 | &nbsp;&nbsp;2.50% |
| &nbsp;&nbsp;Property Postal Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;120 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;Purpose of Refinance Per HUD-1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;120 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;120 | &nbsp;&nbsp;2.50% |
| &nbsp;&nbsp;Purpose Per Application | &nbsp;&nbsp;2 | &nbsp;&nbsp;120 | &nbsp;&nbsp;1.67% |
| &nbsp;&nbsp;Rate Adjustment Subsequent Cap Percent | &nbsp;&nbsp;11 | &nbsp;&nbsp;120 | &nbsp;&nbsp;9.17% |
| &nbsp;&nbsp;Servicing Look Back Days | &nbsp;&nbsp;5 | &nbsp;&nbsp;120 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;Stated Maturity Date | &nbsp;&nbsp;50 | &nbsp;&nbsp;120 | &nbsp;&nbsp;41.67% |
| &nbsp;&nbsp;Stated Remaining Term | &nbsp;&nbsp;38 | &nbsp;&nbsp;120 | &nbsp;&nbsp;31.67% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;120 | &nbsp;&nbsp;3.33% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (120 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;68 | &nbsp;&nbsp;56.67% | &nbsp;&nbsp;$7179149.14 | &nbsp;&nbsp;60.19% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;52 | &nbsp;&nbsp;43.33% | &nbsp;&nbsp;$4748724.00 | &nbsp;&nbsp;39.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**120** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11927873.14** | &nbsp;&nbsp;**100.00%** |

---

12 \| P a g e

![](ex99-4_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;120 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$11927873.14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**120** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11927873.14** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;27 | &nbsp;&nbsp;22.50% | &nbsp;&nbsp;$2662260.24 | &nbsp;&nbsp;22.32% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.67% | &nbsp;&nbsp;$263133.38 | &nbsp;&nbsp;2.21% |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown purpose | &nbsp;&nbsp;49 | &nbsp;&nbsp;40.83% | &nbsp;&nbsp;$4629070.03 | &nbsp;&nbsp;38.81% |
| &nbsp;&nbsp;Limited Cash-Out (GSE Definition) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;$94797.17 | &nbsp;&nbsp;0.79% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;10 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;$1023410.00 | &nbsp;&nbsp;8.58% |
| &nbsp;&nbsp;Rate/Term Refinance -- Borrower initiated | &nbsp;&nbsp;7 | &nbsp;&nbsp;5.83% | &nbsp;&nbsp;$733611.46 | &nbsp;&nbsp;6.15% |
| &nbsp;&nbsp;Construction to Permanent | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;$62050.00 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;19 | &nbsp;&nbsp;15.83% | &nbsp;&nbsp;$1723366.86 | &nbsp;&nbsp;14.45% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.33% | &nbsp;&nbsp;$736174.00 | &nbsp;&nbsp;6.17% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**120** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11927873.14** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

![](ex99-4_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;169 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;$155000.00 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;174 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;$78131.19 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;$86456.70 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;198 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;$77487.79 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.67% | &nbsp;&nbsp;$107353.73 | &nbsp;&nbsp;0.90% |
| &nbsp;&nbsp;288 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;$30374.69 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;300 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.33% | &nbsp;&nbsp;$431051.82 | &nbsp;&nbsp;3.61% |
| &nbsp;&nbsp;336 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;$94797.17 | &nbsp;&nbsp;0.79% |
| &nbsp;&nbsp;359 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.67% | &nbsp;&nbsp;$177200.00 | &nbsp;&nbsp;1.49% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;104 | &nbsp;&nbsp;86.67% | &nbsp;&nbsp;$10492020.05 | &nbsp;&nbsp;87.96% |
| &nbsp;&nbsp;480 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;$66000.00 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;Blank | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.83% | &nbsp;&nbsp;$132000.00 | &nbsp;&nbsp;1.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**120** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11927873.14** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;117 | &nbsp;&nbsp;97.50% | &nbsp;&nbsp;$11672123.14 | &nbsp;&nbsp;97.86% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.50% | &nbsp;&nbsp;$255750.00 | &nbsp;&nbsp;2.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**120** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$11927873.14** | &nbsp;&nbsp;**100.00%** |

---

14 \| P a g e

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **General Comments** | **General Comments** | **General Comments** | **General Comments** | **Missing Documents** | **Tape Discrepancies** | **Grading and Exceptions** | **Grading and Exceptions** | **Grading and Exceptions** | **Grading and Exceptions** | **Grading and Exceptions** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **Current Value Information** | **Current Value Information** | **Current Value Information** | **Current Value Information** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** |
| Marketing ID | **Infinity Loan ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Loan #4** | **Project Name** | **Pool** | **Borrower Last Name** | **Borrower First Name** | **Co-Borrower Last Name** | **Co-Borrower First Name** | **Address** | **City** | **State** | **Zip** | **Mailing Address** | **Mailing City** | **Mailing State** | **Mailing Zip** | **Original Lender** | **Loan Modified** | **Property Owner Same As Borrower** | **Chain of Assignment Complete** | **Current Lien Position** | **Judgment** | **Delinquent Tax** | **Total Tax** | **Last Payment** | **Foreclosure Case** | **Contested** | **Foreclosure Delay** | **Bankruptcy Chapter** | **Bankruptcy Case #** | **BK Cramdown** | **BK Reaffirmation** | **Original Loan Amount** | **I/O Interest Payment** | **Payment Amount per Note** | **Original Rate** | **Original Term** | **Amortized Term** | **Settlement Date** | **Disbursement Date** | **Cash Out Amount** | **Loan Type** | **Amortization Type** | **I/O Period** | **Loan Purpose** | **Original LTV** | **Original CLTV** | **ComplianceEase Doc Type** | **Mortgage Insurance Cert in File** | **MI Company** | **MI Cert #** | **MI Coverage Percentage** | **Borrower Monthly Income** | **Co-Borrower Monthly Income** | **Contract Sales Price** | **Property Type** | **Original Appraisal Date** | **Appraised Value** | **Occupancy (stated on 1003)** | **Flood Cert in File?** | **Life of Loan Flood Cert?** | **Property in a Flood Zone?** | **Borrower Original FICO** | **Co-Borrower Original FICO** | **DTI** | **Lien Position at Origination** | **Title Evidence** | **Senior Lien Amount** | **Junior Lien Amount** | **Date of Last MOD** | **Principal Balance Stated in MOD** | **Deferred Balance (Mod)** | **MOD Original Rate** | **MOD Original P&I** | **MOD First Payment Date** | **Reason for MOD** | **Title** | **Payment** | **Servicing** | **Mod Comments** | **Missing Documents** | **Tape Discrepancies** | **Guideline Grade (Non-ComplianceEase)** | **Grade 4 Exceptions (Reject / Non-curable)** | **Grade 3 Exceptions (Conditions / Curable)** | **Grade 2 Exceptions (Warnings)** | **Grade 1 Exceptions (Notices / Informational)** | **Overall Risk Indicator** | **HOEPA** | **TILA** | **RESPA** | **State and Local Predatory** | **State Regs** | **Exceptions** | **TRID Tolerance** | **Additional Valuation #1** | **Additional Valuation #2** | **Unrepaired Property Damage** | **Property Damage Amount $** | **Mortgage Rental History** | **2nd Home/Subject Investment Property** | **Consumer Debt** | **Charge Offs** | **Collections** | **Liens** | **Judgments** | **Bankruptcy (Pre-Origination)** | **Bankruptcy Chapter** | **Bankruptcy Discharge Date** | **Mos Credit Reestablished** | **Mortgage Rental History** | **2nd Home/Subject Investment Property** | **Consumer Debt** | **Charge Offs** | **Collections** | **Liens** | **Judgments** | **Total Payments Revolving Debt** | **Total Payments Installment Debt** | **Co-Borrower Updated FICO** |
| 37 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Colorado | XX | XX | XX | Colorado | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1174.01 | 9.870% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 75.111% | 75.111% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: |  | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> Loan Program Info Disclosure<br> Notice of Servicing Transfer<br> Right of Rescission |  | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final loan application /1003 is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The ComplianceEase risk indicator is "Moderate", due to<br> TILA APR Test:"<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is failed for <br> TILA APR Test:<br> The loan data 0.000% and comparison data is 7.320%. Hence, the variance is -7.320%."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan file."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 58 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | New York | XX | XX | XX | New York | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1102.46 | 11.163% | 360 |  | XX | XX |  | Conventional | Fixed |  | Refinance | 126.984% | 126.984% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Credit Application<br> Initial Escrow Acct Disclosure<br> Origination Appraisal<br> Right of Rescission | Field: Amortized Remaining Term Loan Value: 82 Tape Value: 235 \|---\| -153 \|----\| -65.10638% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 3/XX/2001 Tape Value: 3/XX/2001 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 2/XX/2001 Tape Value: 2/XX/2001 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $-0.47 Variance %: -0.00041% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 126.984% Tape Value: 126.980% Variance: 0.004% Variance %: 0.00400% Comment: Tape Source: Initial Tape Type: <br> Field: Original Note Doc Date Loan Value: 2/XX/2001 Tape Value: 2/XX/2001 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 126.984% Tape Value: 126.980% Variance: 0.004% Variance %: 0.00400% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 11.16300% Tape Value: 2.00000% Variance: 9.16300% Variance %: 9.16300% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: 1XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Purpose of Refinance Per HUD-1 Loan Value: Debt consolidation Tape Value: Cash Out - Other Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Purpose of Transaction per HUD-1 Loan Value: Refinance Tape Value: Cash Out Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 2/XX/2031 Tape Value: 11/XX/2043 Variance: -4661 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 82 Tape Value: 235 Variance: -153 Variance %: -65.10638% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Application document is missing from loan file."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the predatory lending guidance test due to one or more of the following findings:<br> The loan failed the allowable points and fees test.<br> The loan exceeds the HOEPA APR threshold for primary residences.<br> The loan exceeds the HOEPA points and fees threshold for primary residences.<br>This loan failed the points and fees test (Fannie Mae Lender Letter Ann. 06-04)<br> The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000.<br>This loan failed the points and fees test. (Freddie Mac Industry Letter 02/XX/2009)<br> The points and fees charged to the borrower exceed 5% of the mortgage amount, or $1,000 for mortgage amounts of $20,000 or less.<br> Note, no more than two "Bona Fide - GSE" discount points are excluded from the calculation of the points and fees for purposes of this test."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure document is missing from loan file."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The Appraisal document is missing. As per tape data Appraisal value of subject property is $90,000.00 and loan amount is $114,285.53 which is more than appraisal value. So, CLTV shows more than 100%."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal document is missing from loan file."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not signed by the borrowers."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Right of Rescission document is missing from loan."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by the borrowers." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 54 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | North Carolina | XX | XX | XX | Unavailable | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $735.62 | 13.000% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 103.101% | 103.101% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Credit Application<br> Origination Appraisal | Field: Amortized Remaining Term Loan Value: 87 Tape Value: 99 \|---\| -12 \|----\| -12.12121% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: BRAND Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 7/XX/2001 Tape Value: 7/XX/2001 Variance: -2 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 6/XX/2001 Tape Value: 6/XX/2001 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $6XX Variance: $-500.24 Variance %: -0.76960% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $-0.24 Variance %: -0.00036% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 103.101% Tape Value: 102.310% Variance: 0.791% Variance %: 0.79100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Note Doc Date Loan Value: 6/XX/2001 Tape Value: 6/XX/2001 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 103.101% Tape Value: 102.310% Variance: 0.791% Variance %: 0.79100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 13.00000% Tape Value: 5.00000% Variance: 8.00000% Variance %: 8.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property City Loan Value: Red Srings Tape Value: RED SPRINGS Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Purpose Per Application Loan Value: Not Applicable Tape Value: Refinance Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 6/XX/2031 Tape Value: 8/XX/2032 Variance: -429 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 87 Tape Value: 101 Variance: -14 Variance %: -13.86138% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final application is missing from the loan file."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the<br> property is located.<br> Prepayment Term Test is fail. Loan data is 30Months and comparison data is 0Months. Hence, the variance is 30Months.<br>This loan failed the bona fide discount points test as the loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount<br> points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan file."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not signed by the borrower."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is not hand dated by borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by the borrower." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| Dropped | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Pennsylvania | XX | XX | XX | Pennsylvania | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $839.40 | 9.720% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 100.168% | 100.168% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | Field: Amortized Remaining Term Loan Value: 119 Tape Value: 218 \|---\| -99 \|----\| -45.41284% Comment: Tape Source: Initial Tape Type: <br> Field: Amortized Term (Calculated) Loan Value: 174 Tape Value: 360 Variance: -186 Variance %: -51.66666% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower First Name Loan Value: Max Tape Value: MAX I Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Did a Modification Change Note Terms? Loan Value: No Tape Value: Yes Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Escrow Account Indicator Loan Value: No Tape Value: Yes Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 3/XX/2004 Tape Value: 4/XX/2004 Variance: -13 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.168% Tape Value: 82.910% Variance: 17.258% Variance %: 17.25800% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.168% Tape Value: 82.910% Variance: 17.258% Variance %: 17.25800% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 2/XX/2034 Tape Value: 5/XX/2042 Variance: -2993 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 119 Tape Value: 218 Variance: -99 Variance %: -45.41284% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Application form is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ComplianceEase risk indicator is moderate<br> This loan failed the TILA finance charge test<br> This loan failed the TILA foreclosure rescission finance charge test.<br> This loan failed the TILA APR test."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test.<br> The finance charge is $167,031.65. The disclosed finance charge of $125,817.53 is not considered accurate because it is understated by more than $100.<br> The loan data is $125,817.53 and comparison data is $167,031.65; the variance is -$41,214.12<br>This loan failed the TILA foreclosure rescission finance charge test. <br> The finance charge is $167,031.65. The disclosed finance charge of $125,817.53 is not considered accurate for purposes of rescission because it is understated by more than $35.<br> The loan data is $125,817.53 and comparison data is $167,031.65; the variance is -$41,214.12.<br>This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 10.367%. The disclosed APR of 8.821% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is 8.821% and comparison data is 10.367%; the variance is -1.546%."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report form is missing from the loan"<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The TIL is not signed by borrower."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Right of Rescission is missing from the loan files"<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TIL is not hand dated by borrower." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 85 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Texas | XX | XX | XX | Texas | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $813.59 | 10.990% | 360 |  | XX | XX |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Unavailable | Unavailable | Unavailable | Unavailable |  |  | Not Applicable | Single Family | XX | XX | Primary | Unavailable | Unavailable | Unavailable |  |  | 47.494% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable |  | Field: Amortized Remaining Term Loan Value: 56 Tape Value: 54 \|---\| 2 \|----\| 3.70370% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 First Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower First Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Number of Signatures on Note Loan Value: 1 Tape Value: 2 Variance: -1 Variance %: -50.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/1998 Tape Value: 11/XX/1998 Variance: -27 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $1XX Variance: $XX Variance %: -30.28169% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 90.000% Tape Value: 60.210% Variance: 29.790% Variance %: 29.79000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 90.000% Tape Value: 35.890% Variance: 54.110% Variance %: 54.11000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value:XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.""<br> \* Settlement date is different from note date (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final CD reflects closing date as 11/XX/1998. Notary's signature date on the Mortgage/Deed of Trust is 11/XX/1998. Note date is 11/XX/1998." |  | Elevated | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 95 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Pennsylvania | XX | XX | XX | Pennsylvania | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $608.56 | 11.375% | 360 |  | XX | XX |  | Conventional | ARM |  | Purchase | 85.000% | 85.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 34.178% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Loan Program Info Disclosure<br> Notice of Servicing Transfer | Field: Amortized Remaining Term Loan Value: 63 Tape Value: 132 \|---\| -69 \|----\| -52.27272% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 1/XX/2000 Tape Value: 3/XX/2000 Variance: -63 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -26.26262% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 85.000% Tape Value: 46.070% Variance: 38.930% Variance %: 38.93000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 85.000% Tape Value: 46.070% Variance: 38.930% Variance %: 38.93000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 11.37500% Tape Value: 9.50000% Variance: 1.87500% Variance %: 1.87500% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Purpose Per Application Loan Value: Refinance Tape Value: Purchase Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan Program disclosure is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of Servicing Transfer is missing from loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value unable to confirm as supporting documents are missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated Business Disclosure is missing from loan file." |  | Elevated | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 110 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | North Carolina | XX | XX | XX | North Carolina | XX | XX | No |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $783.10 | 11.350% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 80.000% | Unavailable | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | XX | XX | Primary | Yes | Yes | No |  |  | 41.305% | First | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Right of Rescission | Field: Amortized Remaining Term Loan Value: 81 Tape Value: 26 \|---\| 55 \|----\| 211.53846% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 1/XX/2001 Tape Value: 1/XX/2001 Variance: -15 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 53.84615% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: Unavailable Tape Value: 123.080% Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 80.000% Tape Value: 123.080% Variance: -43.080% Variance %: -43.08000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 11.35000% Tape Value: 9.05000% Variance: 2.30000% Variance %: 2.30000% Comment: Tape Source: Initial Tape Type: <br> Field: Subject Property Type Loan Value: Manufactured Housing Tape Value: Single Family Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the<br> property is located.<br>This loan failed the bona fide discount points test as the loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount<br> points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate."<br> \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing NC SB 1149 High Cost Home Loan Points and Fees Test. Total fees charged to the borrower is $4,639.00 and allowed is $3,807.70, however it is over charged by +$831.30.<br> Affirmative claims can be made within 2 years (4 Years under Chapter 75) of the closing and that the note date is 1/XX/2001. SOL has been expired.<br> Fees included-<br> Loan Origination Fee paid by Borrower: $560.00<br> Credit Report Fee paid by Borrower: $9.00<br> Mortgage Broker Fee (Direct) paid by Borrower: $2,820.00<br> Courier / Messenger Fee paid by Borrower: $10.00<br> Attorney's Fee paid by Borrower: $440.00<br> Max Prepayment Penalty Amount $800.00<br>This loan failed the high-cost home loan financing of points and fees test. (NC SB 1149 [G.S. § 24-1.1E(c)(3)b,c])<br> The loan finances any points and fees or any other charges payable to third parties."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan file." | \* Property is Manufactured Housing (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "The Property type is Manufactured Housing." | Significant | Pass | Pass | No Result | Fail | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:Not Applicable<br> Date:Not Applicable<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 139 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Arizona | XX | XX | XX | Arizona | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1011.68 | 6.875% | 360 |  | XX | XX |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 50.997% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Origination Appraisal | Field: Amortized Remaining Term Loan Value: 110 Tape Value: 122 \|---\| -12 \|----\| -9.83606% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 38.610% Variance: 61.390% Variance %: 61.39000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 38.610% Variance: 61.390% Variance %: 61.39000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Property City Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is purchase case and final HUD-1 reflects cash to in the amount of $29.01."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the prepayment penalty term test due to the loan charges a prepayment penalty with a term exceeding 3 years."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final appraisal report is missing from the loan files." |  | Elevated | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 160 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $491.90 | 9.500% | 360 |  | XX | XX |  | Conventional | Fixed |  | Refinance | 88.636% | 88.636% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 29.877% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 117 Tape Value: 108 \|---\| 9 \|----\| 8.33333% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/2003 Tape Value: 12/XX/2003 Variance: -83 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 175.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 88.636% Tape Value: 76.040% Variance: 12.596% Variance %: 12.59600% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 88.636% Tape Value: 76.040% Variance: 12.596% Variance %: 12.59600% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated P&I Loan Value: $491.90 Tape Value: $491.89 Variance: $0.01 Variance %: 0.00203% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $3,057.06 and allowed is $2,813.74, however it is over charged by $243.32.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 12/XX/2003. SOL has been expired.<br> Fees Included-<br> 801 Loan Origination Fee paid by Borrower: $1,035.06<br> Mortgage Insurance Application Fee paid by Borrower: $6.50<br> Mortgage Broker Fee (Direct) paid by Borrower: $8.00<br> Yield Spread Premium (Indirect / POC) $292.50<br> Commitment Fee paid by Borrower: $595.00<br> Processing Fee paid by Borrower: $80.00<br> Flood Determination - Life of Loan Fee paid by Borrower: $25.00<br> Courier / Messenger Fee paid by Borrower: $80.00<br> Attorney's Fee paid by Borrower: $350.00<br> Max Prepayment Penalty Amount $585.00.<br>This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1))."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The ROR document is not hand-dated by the borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final TIL is not hand dated by the borrower." |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 166 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Oklahoma | XX | XX | XX | Oklahoma | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $783.60 | 6.990% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 78.600% | 78.600% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 55.295% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Final Truth in Lending Discl.<br> Notice of Servicing Transfer<br> Origination Appraisal | Field: Amortized Remaining Term Loan Value: 125 Tape Value: 126 \|---\| -1 \|----\| -0.79365% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: ARM Lifetime Floor Percent Loan Value: 6.990% Tape Value: 6.000% Variance: 0.990% Variance %: 0.99000% Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 11/XX/2006 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 78.600% Tape Value: 53.250% Variance: 25.350% Variance %: 25.35000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Property City Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA APR test due to Calculated APR of 7.360% exceeds Disclosed APR of 0.000% over by 7.360%. Final TIL is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final TIL is missing from the loan file."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of servicing transfer is missing from the loan file ."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index unable to determine as supporting document are missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 167 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Florida | XX | XX | XX | Florida | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $424.84 | 6.750% | 360 |  | XX | XX |  | Conventional | Fixed |  | Refinance | Unavailable | Unavailable | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 37.954% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Origination Appraisal | Field: Amortized Remaining Term Loan Value: 124 Tape Value: 119 \|---\| 5 \|----\| 4.20168% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: Unavailable Tape Value: 137.420% Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: Unavailable Tape Value: 137.420% Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the prepayment penalty term test due to the loan charges a prepayment penalty with a term exceeding 3 years."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan files." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 172 | XX | XX | XX | XX | Investor | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | California | XX | XX | XX | California | XX | XX | No |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1377.34 | 9.700% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | XX | XX | Investor | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 27.639% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Origination Appraisal | Field: Amortized Remaining Term Loan Value: 121 Tape Value: 450 \|---\| -329 \|----\| -73.11111% Comment: Amortized remaining term is 121 but tape shows 450. Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Borrower 2 last name is NA but tape shows XX. Tape Source: Initial Tape Type: <br> Field: Borrower Last Name Loan Value: XX Tape Value: 0 Variance: Variance %: Comment: Borrower last name is XX. Tape Source: Initial Tape Type: <br> Field: Did a Modification Change Note Terms? Loan Value: No Tape Value: Yes Variance: Variance %: Comment: No mod did not use for review. Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: No neg arm. Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -59.75000% Comment: Appraisal is missing. Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -1.22699% Comment: As per note original balance is $161,000.00 but tape shows $163,000.00. Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 40.750% Variance: 59.250% Variance %: 59.25000% Comment: Original CLTV is 100.00 appraisal is missing. Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 27.730% Variance: 72.270% Variance %: 72.27000% Comment: Appraisal is missing. Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 8/XX/2034 Tape Value: 12/XX/2061 Variance: -9984 (Days) Variance %: Comment: As per note maturity date 8/XX/2034 but tape shows 12/XX/2061. Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 121 Tape Value: 449 Variance: -328 Variance %: -73.05122% Comment: Stated remaining term is 121 but tape shows 449. Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "An Appraisal report is missing from the loan file."<br> \* Settlement date is different from note date (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per the closing statement the settlement date is 8/XX/2004 and the note date is 7/XX/2004. The subject property is in CA." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:Not Applicable<br> Date:Not Applicable<br> Type: |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 194 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | California | XX | XX | XX | California | XX | XX | No |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $2182.69 | 6.650% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 77.449% | 77.449% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 3 Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 25.739% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | Field: Amortized Remaining Term Loan Value: 130 Tape Value: 134 \|---\| -4 \|----\| -2.98507% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Number Of Units Loan Value: 3 Tape Value: 1 Variance: 2 Variance %: 200.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 77.449% Tape Value: 77.450% Variance: -0.001% Variance %: -0.00100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 77.449% Tape Value: 77.450% Variance: -0.001% Variance %: -0.00100% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX and XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Subject Property Type Loan Value: 3 Family Tape Value: Single Family Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Missing Of Appraisal."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of Servicing Transfer missing from loan files."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated Business Disclosure Missing from loan Files."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Right of Rescission missing from loan files." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:Not Applicable<br> Date:Not Applicable<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 196 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Illinois | XX | XX | XX | Illinois | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $615.64 | 9.550% | 360 |  | XX | XX |  | Conventional | ARM |  | Purchase | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable |  | Field: Amortized Remaining Term Loan Value: 133 Tape Value: 171 \|---\| -38 \|----\| -22.22222% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 3/XX/2005 Tape Value: 4/XX/2005 Variance: -28 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 4766.66666% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 168.240% Variance: -68.240% Variance %: -68.24000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 168.240% Variance: -68.240% Variance %: -68.24000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 9.55000% Tape Value: 5.25000% Variance: 4.30000% Variance %: 4.30000% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 5/XX/2035 Tape Value: 12/XX/2035 Variance: -214 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 133 Tape Value: 140 Variance: -7 Variance %: -5.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is purchase case and final HUD-1 reflects cash to in the amount of $93.95.00."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index Value is unable to confirm as supporting documents are missing from the loan file." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 205 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Indiana | XX | XX | XX | Indiana | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $501.26 | 8.875% | 360 |  | XX | XX |  | Conventional | ARM |  | Purchase | 90.000% | 90.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Yes | Yes | No |  |  | 32.176% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Notice of Servicing Transfer | Field: Amortized Remaining Term Loan Value: 137 Tape Value: 344 \|---\| -207 \|----\| -60.17441% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 7/XX/2005 Tape Value: 8/XX/2005 Variance: -16 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 77.50000% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 90.000% Tape Value: 82.560% Variance: 7.440% Variance %: 7.44000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 90.000% Tape Value: 82.560% Variance: 7.440% Variance %: 7.44000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 8.87500% Tape Value: 5.00000% Variance: 3.87500% Variance %: 3.87500% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 9/XX/2035 Tape Value: 12/XX/2052 Variance: -6301 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 137 Tape Value: 344 Variance: -207 Variance %: -60.17441% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value at the time of origination is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file." |  | Moderate | Not Covered | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 275 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Vermont | XX | XX | XX | Vermont | XX | XX | No |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $798.82 | 9.500% | 360 |  | XX | XX |  | Conventional | ARM |  | Purchase | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 56.486% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure | Field: Amortized Remaining Term Loan Value: 151 Tape Value: 144 \|---\| 7 \|----\| 4.86111% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 12/XX/2009 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Pay Change Date Loan Value: 12/XX/2024 Tape Value: 6/XX/2024 Variance: 183 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Rate Change Date Loan Value: 11/XX/2024 Tape Value: 5/XX/2024 Variance: 184 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 9/XX/2006 Tape Value: 10/XX/2006 Variance: -39 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $4XX Variance %: 61.53846% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 108.860% Variance: -8.860% Variance %: -8.86000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 108.860% Variance: -8.860% Variance %: -8.86000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is moderate as the loan is failed for.<br> This loan failed the Vermont high rate loan test.<br> This loan is a Vermont high rate loan, as defined in the legislation."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan did not pass the prohibited fees test.<br> The Vermont statutes provide that only those fees expressly permitted may be charged.<br> The loan data is $4,415.00 and comparison data is $0.00 hence, the variance is +$4,415.00"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:Not Applicable<br> Date:Not Applicable<br> Type: |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 283 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Ohio | XX | XX | XX | Ohio | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $946.60 | 8.250% | 360 |  | XX | XX |  | Conventional | Fixed |  | Refinance | 96.183% | 96.183% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 43.716% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable |  | Field: Amortized Remaining Term Loan Value: 155 Tape Value: 156 \|---\| -1 \|----\| -0.64102% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 1/XX/2007 Tape Value: 2/XX/2007 Variance: -38 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 101.53846% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 96.183% Tape Value: 193.850% Variance: -97.667% Variance %: -97.66700% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 96.183% Tape Value: 193.850% Variance: -97.667% Variance %: -97.66700% Comment: Tape Source: Initial Tape Type: <br> Field: Purpose of Refinance Per HUD-1 Loan Value: Lower rate or term Tape Value: Cash Out - Other Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Purpose of Transaction per HUD-1 Loan Value: Refinance Tape Value: Cash Out Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The compliance risk indicator is Significant as the loan is failing OH PLA Covered Loan Points and Fees Threshold Test. Total fees charged is $10,638.95 and allowed is $5,975.95 however over charged by +$4,663.00. Affirmative claims can be made within 3 years of origination and the Note date is 02/XX/2007. SOL has been expired.<br> Fees included-<br> Mortgage Broker Fee (Direct) paid by Borrower: $4,705.00<br> Processing Fee paid by Borrower: $760.00<br> Underwriting Fee paid by Borrower: $749.00<br> Flood Determination - Life of Loan Fee paid by Borrower: $7.00<br> Tax Related Service Fee paid by Borrower: $50.00<br> Wire Transfer Fee paid by Borrower: $4.95<br> Settlement / Closing / Escrow Fee paid by Borrower: $125.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $80.00<br> Max Prepayment Penalty / Termination Fee $4,158.00<br>This loan failed the prepayment penalty test. (OH HB 386 Section 1, § 1349.27 (A)(1))<br> The covered loan includes a prepayment penalty."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds." |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 223 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | North Carolina | XX | XX | XX | North Carolina | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $951.38 | 10.740% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 85.000% | 85.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Yes | Yes | No |  |  | 38.982% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Loan Program Info Disclosure | Field: Amortized Remaining Term Loan Value: 141 Tape Value: 442 \|---\| -301 \|----\| -68.09954% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 12/XX/2005 Tape Value: 12/XX/2005 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 16.50485% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 85.000% Tape Value: 99.030% Variance: -14.030% Variance %: -14.03000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 85.000% Tape Value: 99.030% Variance: -14.030% Variance %: -14.03000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 1/XX/2036 Tape Value: 2/XX/2061 Variance: -9163 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 141 Tape Value: 442 Variance: -301 Variance %: -68.09954% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the Disclosed APR High-Cost Threshold Exception Test due to APR calculated 12.820% exceeds APR threshold of 12.530% over by +0.290%."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the bona fide discount points test due to the loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Pass | Fail | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 71 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Pennsylvania | XX | XX | XX | Pennsylvania | XX | XX | Yes |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $573.87 | 11.497% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 115.922% | 115.922% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Credit Application<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 69 Tape Value: 464 \|---\| -395 \|----\| -85.12931% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 2/XX/2000 Tape Value: 3/XX/2000 Variance: -18 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: Not Applicable Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 1/XX/2000 Tape Value: 1/XX/2000 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 115.922% Tape Value: 126.000% Variance: -10.078% Variance %: -10.07800% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 115.922% Tape Value: 126.000% Variance: -10.078% Variance %: -10.07800% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value:XXTape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Purpose of Refinance Per HUD-1 Loan Value: Debt consolidation Tape Value: Cash Out - Other Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: Not Applicable Tape Value: 12/XX/2062 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 69 Tape Value: 464 Variance: -395 Variance %: -85.12931% Comment: Tape Source: Initial Tape Type: <br> Field: Subject Property Type Loan Value: Single Family Tape Value: PUD Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Application is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Acct Disclosure is missing."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Collateral Value used for Underwriting: $50,000.00 Amount of Secondary Lien(s): $00.00 Loan Amount: $57,960.77 CLTV = 115.922%."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not signed by borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by borrower." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:Not Applicable<br> Date:Not Applicable<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 127 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Connecticut | XX | XX | XX | Connecticut | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1245.28 | 9.950% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 95.000% | 95.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 49.996% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 101 Tape Value: 424 \|---\| -323 \|----\| -76.17924% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 7/XX/2002 Tape Value: 8/XX/2002 Variance: -39 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -7.40740% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 95.000% Tape Value: 87.960% Variance: 7.040% Variance %: 7.04000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 95.000% Tape Value: 87.960% Variance: 7.040% Variance %: 7.04000% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 9/XX/2032 Tape Value: 12/XX/2032 Variance: -91 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 101 Tape Value: 104 Variance: -3 Variance %: -2.88461% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Connecticut license validation test. <br> First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and after July 1st, 2008, to be a mortgage lender license.<br> As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the first lien prepaid finance charge test.<br> The loan has prepaid finance charges that exceed the greater of 5% of the principal amount of the loan or $2,000.<br>The loan data is $7,356.85 and comparison data is $7,125.00; the variance is +$231.85.<br>Fees included-<br> Loan Origination Fee paid by Borrower: $5,343.75<br> Underwriting Fee paid by Borrower: $345.00<br> Document Preparation Fee paid by Borrower: $345.00<br> Interest paid by Borrower: $233.10<br> Settlement / Closing / Escrow Fee paid by Borrower: $650.00<br> Title Courier Fee paid by Borrower: $40.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $400.00"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure document is missing from loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure document is missing from the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is not hand dated by borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by the borrower." |  | Moderate | Pass | Pass | No Result | Pass | Fail | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 77 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Utah | XX | XX | XX | Utah | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1297.92 | 9.190% | 300 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 102.901% | 102.901% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application | Field: Amortized Remaining Term Loan Value: 62 Tape Value: 284 \|---\| -222 \|----\| -78.16901% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 11/XX/2004 Tape Value: 11/XX/2004 Variance: -2 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/2004 Tape Value: 10/XX/2004 Variance: -6 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 102.901% Tape Value: 74.290% Variance: 28.611% Variance %: 28.61100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 102.901% Tape Value: 0.000% Variance: 102.901% Variance %: 102.90100% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 10/XX/2029 Tape Value: 6/XX/2054 Variance: -9011 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 62 Tape Value: 358 Variance: -296 Variance %: -82.68156% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final application is missing from the loan files."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test.<br> The finance charge is $243,378.05. The disclosed finance charge of $187,156.37 is not considered accurate because it is understated by more than $100.<br> The loan data is $187,156.37 and comparison data is $243,378.05, the variance is -$56,221.68 <br> This loan failed the TILA foreclosure rescission finance charge test. <br> The finance charge is $243,378.05. The disclosed finance charge of $187,156.37 is not considered accurate for purposes of rescission because it is understated by more than $35.<br> The loan data is $187,156.37 and comparison data is $243,378.05, the variance is -$56,221.68 <br> This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 9.719%. The disclosed APR of 8.283% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is 8.283% and comparison data is 9.719%, the variance is -1.436%"<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TIL is not signed by borrowers."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliate business disclosure is missing from the loan files."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TIL is not hand dated by borrowers." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 76 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Texas | XX | XX | XX | Texas | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $607.79 | 10.869% | 360 |  | XX | XX |  | Conventional | Fixed |  | Refinance | 79.620% | 79.620% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Credit Application | Field: Amortized Remaining Term Loan Value: 93 Tape Value: 45 \|---\| 48 \|----\| 106.66666% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 1/XX/2002 Tape Value: 1/XX/2002 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/2001 Tape Value: 12/XX/2001 Variance: -52 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -22.11538% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $-0.18 Variance %: -0.00027% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 79.620% Tape Value: 62.010% Variance: 17.610% Variance %: 17.61000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Note Doc Date Loan Value: 12/XX/2001 Tape Value: 12/XX/2001 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 79.620% Tape Value: 0.000% Variance: 79.620% Variance %: 79.62000% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 12/XX/2031 Tape Value: 12/XX/2031 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final 1003 is missing from the loan files"<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds"<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is not hand dated by the borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by the borrower." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 70 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Pennsylvania | XX | XX | XX | Pennsylvania | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $520.96 | 11.852% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 107.815% | 107.815% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Credit Application<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 81 Tape Value: 444 \|---\| -363 \|----\| -81.75675% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 2/XX/2001 Tape Value: 3/XX/2001 Variance: -18 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 480 Variance: -120 Variance %: -25.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 12/XX/2000 Tape Value: 1/XX/2001 Variance: -12 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $4XX Tape Value: $XX Variance: $XX Variance %: -34.02777% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $-0.03 Variance %: -0.00005% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 107.815% Tape Value: 71.130% Variance: 36.685% Variance %: 36.68500% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 107.815% Tape Value: 0.000% Variance: 107.815% Variance %: 107.81500% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 11.85200% Tape Value: 4.25000% Variance: 7.60200% Variance %: 7.60200% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 1/XX/2031 Tape Value: 3/XX/2061 Variance: -11007 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 81 Tape Value: 443 Variance: -362 Variance %: -81.71557% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "1003 is missing from the loan file."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located.<br> The loan data is 11.852% and comparison data is 8.250%; the variance is +3.602%<br>This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.<br> The loan data is 60 Months and comparison data is 0 Months; the variance is 60 Months"<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Acct. Disclosure is missing."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Collateral Value used for Underwriting: $47,500.00 Amount of Secondary Lien(s): $00.00 Loan Amount: $51,211.97 CLTV = 107.815%.)"<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not signed by the borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by the borrower." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 63 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Oklahoma | XX | XX | XX | Oklahoma | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1155.18 | 11.558% | 360 |  | XX | XX |  | Conventional | Fixed |  | Refinance | 107.526% | 107.526% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application | Field: Amortized Remaining Term Loan Value: 84 Tape Value: 136 \|---\| -52 \|----\| -38.23529% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 5/XX/2001 Tape Value: 6/XX/2001 Variance: -12 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 133 Variance: 227 Variance %: 170.67669% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 3/XX/2001 Tape Value: 4/XX/2001 Variance: -23 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -14.96062% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $0.30 Variance %: 0.00025% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 107.526% Tape Value: 91.440% Variance: 16.086% Variance %: 16.08600% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 107.526% Tape Value: 0.000% Variance: 107.526% Variance %: 107.52600% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 11.55800% Tape Value: 7.00000% Variance: 4.55800% Variance %: 4.55800% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 4/XX/2031 Tape Value: 10/XX/2031 Variance: -164 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 84 Tape Value: 90 Variance: -6 Variance %: -6.66666% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final 1003 is missing from the loan file."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA Finance Charge test due to Calculated Finance charge of $307,865.48 exceeds disclosed finance charge of $308,257.29 over by -$391.81. <br>Loan failed TILA Foreclosure Rescission Finance charge of $307,865.48 exceeds disclosed finance charge of $308,257.29 for an under disclosed amount of -$391.81."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Collateral Value used for Underwriting: $108,000.00 Amount of Secondary Lien(s): $00.00 Loan Amount: $116,128.30 CLTV = 107.526%."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business form is missing from the loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TIL is not hand dated by the borrower." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 61 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Ohio | XX | XX | XX | Ohio | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $253.67 | 12.481% | 240 |  | XX | XX |  | Conventional | Fixed |  | Refinance | 111.769% | 111.769% | No Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | Field: Amortized Remaining Term Loan Value: -34 Tape Value: 57 \|---\| -91 \|----\| -159.64912% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 7/XX/2001 Tape Value: 8/XX/2001 Variance: -10 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 240 Tape Value: 120 Variance: 120 Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $-0.27 Variance %: -0.00120% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 111.769% Tape Value: 111.770% Variance: -0.001% Variance %: -0.00100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 111.769% Tape Value: 0.000% Variance: 111.769% Variance %: 111.76900% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 12.48100% Tape Value: 7.60300% Variance: 4.87800% Variance %: 4.87800% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 6/XX/2021 Tape Value: 1/XX/2029 Variance: -2750 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: -34 Tape Value: 57 Variance: -91 Variance %: -159.64912% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "1003 is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the interest rate test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the<br> property is located."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraised value per tape is $20,000.00 and the loan amount is $22,353.73. The LTV is calculated as 111.769% which is exceeding 104%."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from loan file."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The TIL is not signed by borrower."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TIL is not hand dated by borrower." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| Dropped | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | New York | XX | XX | XX | New York | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $493.35 | 11.041% | 360 |  | XX | XX |  | Conventional | Fixed |  | Refinance | 81.962% | 81.962% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Origination Appraisal | Field: Amortized Remaining Term Loan Value: 86 Tape Value: 358 \|---\| -272 \|----\| -75.97765% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 7/XX/2001 Tape Value: 7/XX/2001 Variance: 7 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 163 Variance: 197 Variance %: 120.85889% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 6/XX/2001 Tape Value: 6/XX/2001 Variance: -6 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $5XX Variance: $-0.20 Variance %: -0.00038% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 81.962% Tape Value: 81.960% Variance: 0.002% Variance %: 0.00200% Comment: Tape Source: Initial Tape Type: <br> Field: Original Note Doc Date Loan Value: 6/XX/2001 Tape Value: 6/XX/2001 Variance: -6 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 81.962% Tape Value: 0.000% Variance: 81.962% Variance %: 81.96200% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 11.04100% Tape Value: 4.50000% Variance: 6.54100% Variance %: 6.54100% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 6/XX/2031 Tape Value: 12/XX/2031 Variance: -176 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 86 Tape Value: 92 Variance: -6 Variance %: -6.52173% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final 1003 is missing from loan file."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Acct. Disclosure missing from loan file."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report at the time of origination is missing from the loan file."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not signed by borrowers."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by the borrowers." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 56 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | New York | XX | XX | XX | New York | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $730.75 | 8.530% | 240 |  | XX | XX |  | Conventional | Fixed |  | Refinance | 94.497% | 94.497% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 6 Tape Value: 80 \|---\| -74 \|----\| -92.50000% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 11/XX/2004 Tape Value: 11/XX/2004 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 240 Tape Value: 174 Variance: 66 Variance %: 37.93103% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 9/XX/2004 Tape Value: 10/XX/2004 Variance: -26 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 38.98305% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $-0.21 Variance %: -0.00027% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 94.497% Tape Value: 131.340% Variance: -36.843% Variance %: -36.84300% Comment: Tape Source: Initial Tape Type: <br> Field: Original Note Doc Date Loan Value: 10/XX/2004 Tape Value: 10/XX/2004 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 94.497% Tape Value: 0.000% Variance: 94.497% Variance %: 94.49700% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 8.53000% Tape Value: 5.00000% Variance: 3.53000% Variance %: 3.53000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 10/XX/2024 Tape Value: 12/XX/2030 Variance: -2257 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 6 Tape Value: 80 Variance: -74 Variance %: -92.50000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final 1003 is missing from loan file."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test.<br> The finance charge is $87,943.29. The disclosed finance charge of $70,083.87 is not considered accurate because it is understated by more than $100.<br> The loan data is $70,083.87 and comparison data is $87,843.29; the variance is -$17,759.42.<br>This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 9.209%. The disclosed APR of 7.939% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is $7.939% and comparison data is 9.209%; the variance is -1.270%."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure document is missing from loan file."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not signed by all borrowers."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by all borrowers." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 55 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Vermont | XX | XX | XX | Vermont | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $672.96 | 10.980% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 112.341% | 112.341% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> Notice of Servicing Transfer | Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: HEATH \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 9/XX/2001 Tape Value: 10/XX/2001 Variance: -17 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 194 Variance: 166 Variance %: 85.56701% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 7/XX/2001 Tape Value: 8/XX/2001 Variance: -31 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -29.21348% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $0.02 Variance %: 0.00002% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 112.341% Tape Value: 79.520% Variance: 32.821% Variance %: 32.82100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Note Doc Date Loan Value: 8/XX/2001 Tape Value: 8/XX/2001 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 112.341% Tape Value: 0.000% Variance: 112.341% Variance %: 112.34100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 10.98000% Tape Value: 8.00000% Variance: 2.98000% Variance %: 2.98000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 8/XX/2031 Tape Value: 8/XX/2031 Variance: 13 (Days) Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "1003 is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Vermont high rate loan test. This loan is a Vermont high rate loan, as defined in the legislation. For more information please see the Vermont High Rate Loan<br> section of the full ComplianceAnalyzer report."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Vermont Mortgage Lender License Prohibited Fees Test. The following fees were included in the test:<br> Loan Origination Fee paid by Borrower: $5,131.19"<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA APR test due to Calculated APR of 6.997% exceeds Disclosed APR of 0.000% over by 11.955%. Final TIL is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan file."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Collateral value used for underwriting is $63,000.00. Amount of secondary lien is $000. Loan amount is $70,775.02. LTV is 112.341% and CLTV is 112.341%."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "RTC is not hand dated by borrower." |  | Moderate | Pass | Fail | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 53 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Mississippi | XX | XX | XX | Mississippi | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1063.39 | 13.799% | 360 |  | XX | XX |  | Conventional | Fixed |  | Refinance | 96.774% | 96.774% | No Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Credit Application<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 74 Tape Value: 297 \|---\| -223 \|----\| -75.08417% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 7/XX/2000 Tape Value: 7/XX/2000 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 480 Variance: -120 Variance %: -25.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 6/XX/2000 Tape Value: 6/XX/2000 Variance: -14 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $9XX Variance: $-1000.00 Variance %: -1.05263% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $0.11 Variance %: 0.00012% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 96.774% Tape Value: 95.760% Variance: 1.014% Variance %: 1.01400% Comment: Tape Source: Initial Tape Type: <br> Field: Original Note Doc Date Loan Value: 6/XX/2000 Tape Value: 6/XX/2000 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 96.774% Tape Value: 0.000% Variance: 96.774% Variance %: 96.77400% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 6/XX/2030 Tape Value: 11/XX/2054 Variance: -8923 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 74 Tape Value: 367 Variance: -293 Variance %: -79.83651% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final application is missing from loan files."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The TIL is not signed by borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TIL is not hand dated by borrower." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 50 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Indiana | XX | XX | XX | Indiana | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $686.30 | 11.994% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 95.356% | 95.356% | No Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Credit Application<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 82 Tape Value: 75 \|---\| 7 \|----\| 9.33333% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 4/XX/2001 Tape Value: 4/XX/2001 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 174 Variance: 186 Variance %: 106.89655% Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 3/XX/2001 Tape Value: 3/XX/2001 Variance: -11 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 47.36842% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $0.39 Variance %: 0.00058% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 95.356% Tape Value: 140.520% Variance: -45.164% Variance %: -45.16400% Comment: Tape Source: Initial Tape Type: <br> Field: Original Note Doc Date Loan Value: 3/XX/2001 Tape Value: 3/XX/2001 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 95.356% Tape Value: 0.000% Variance: 95.356% Variance %: 95.35600% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 11.99400% Tape Value: 9.03400% Variance: 2.96000% Variance %: 2.96000% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 3/XX/2031 Tape Value: 3/XX/2031 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final application is missing from the loan file."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test.<br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TIL is not signed by the borrower."<br> \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per document the property type is manufactured Housing."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is not hand dated by borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TIL is not hand dated by the borrower." |  | Moderate | Pass | Pass | No Result | Not Covered | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 49 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1193.34 | 11.112% | 300 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 109.777% | 109.777% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 41 Tape Value: 367 \|---\| -326 \|----\| -88.82833% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 8/XX/2002 Tape Value: 8/XX/2002 Variance: -2 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 7/XX/2002 Tape Value: 7/XX/2002 Variance: 3 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -1.78571% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 109.777% Tape Value: 138.010% Variance: -28.233% Variance %: -28.23300% Comment: Tape Source: Initial Tape Type: <br> Field: Original Note Doc Date Loan Value: 7/XX/2002 Tape Value: 7/XX/2002 Variance: 10 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 109.777% Tape Value: 0.000% Variance: 109.777% Variance %: 109.77700% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 7/XX/2027 Tape Value: 6/XX/2054 Variance: -9834 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 41 Tape Value: 364 Variance: -323 Variance %: -88.73626% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final 1003 is missing from loan file."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure document is missing from loan file."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per Appraisal report property value is $110,000.00 and the loan amount is $120,754.45 which is more than appraisal value. So, CLTV shows more than 104%."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not signed by all borrowers."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by all borrowers." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 47 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $947.24 | 10.950% | 300 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 102.109% | 102.109% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 25 Tape Value: 101 \|---\| -76 \|----\| -75.24752% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 6/XX/2001 Tape Value: 7/XX/2001 Variance: -6 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 300 Tape Value: 180 Variance: 120 Variance %: 66.66666% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 5/XX/2001 Tape Value: 5/XX/2001 Variance: -12 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 46.15384% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $-0.46 Variance %: -0.00047% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 102.109% Tape Value: 149.240% Variance: -47.131% Variance %: -47.13100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Note Doc Date Loan Value: 5/XX/2001 Tape Value: 5/XX/2001 Variance: -6 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 102.109% Tape Value: 0.000% Variance: 102.109% Variance %: 102.10900% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 10.95000% Tape Value: 10.20000% Variance: 0.75000% Variance %: 0.75000% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 5/XX/2026 Tape Value: 10/XX/2032 Variance: -2321 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 25 Tape Value: 102 Variance: -77 Variance %: -75.49019% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Application missing from loan file."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Elevated as the loan is failing for<br>This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Final TIL Date after actual transaction date (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL date 5/XX/2001 after actual transaction date."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure document is missing from loan file."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not signed by all borrowers."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by all borrowers." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 43 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Florida | XX | XX | XX | Florida | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $981.78 | 10.949% | 360 |  | XX | XX |  | Conventional | Fixed |  | Refinance | 107.816% | 107.816% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Notice of Servicing Transfer | Field: Amortized Remaining Term Loan Value: 85 Tape Value: 197 \|---\| -112 \|----\| -56.85279% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 332 Variance: 28 Variance %: 8.43373% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 5/XX/2001 Tape Value: 5/XX/2001 Variance: -8 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -26.71755% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $-0.45 Variance %: -0.00043% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 107.816% Tape Value: 79.010% Variance: 28.806% Variance %: 28.80600% Comment: Tape Source: Initial Tape Type: <br> Field: Original Note Doc Date Loan Value: 5/XX/2001 Tape Value: 5/XX/2001 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 107.816% Tape Value: 0.000% Variance: 107.816% Variance %: 107.81600% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 10.94900% Tape Value: 3.98000% Variance: 6.96900% Variance %: 6.96900% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 5/XX/2031 Tape Value: 7/XX/2042 Variance: -4079 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 85 Tape Value: 219 Variance: -134 Variance %: -61.18721% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Application document is missing from loan file."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure document is missing from loan file."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per Appraisal report value is $96,000 and the loan amount is of $103,503.55. which is more than appraisal value. So, CLTV shows more than 104%."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not signed by borrower."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing Transfer document is missing from loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by borrower." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 36 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Pennsylvania | XX | XX | XX | Pennsylvania | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $314.02 | 10.990% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 78.571% | 78.571% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Investor | Not Applicable | Not Applicable | Not Applicable |  |  | 48.354% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Initial Escrow Acct Disclosure<br> Notice of Servicing Transfer | Field: Amortized Remaining Term Loan Value: 138 Tape Value: 135 \|---\| 3 \|----\| 2.22222% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 11/XX/2007 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/2005 Tape Value: 10/XX/2005 Variance: -13 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 68.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 78.571% Tape Value: 132.000% Variance: -53.429% Variance %: -53.42900% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 78.571% Tape Value: 0.000% Variance: 78.571% Variance %: 78.57100% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure is missing from loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing Transfer Document is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value at the time of origination is missing from the loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TIL is not hand dated by the borrower." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 32 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Vermont | XX | XX | XX | Vermont | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $921.15 | 11.750% | 240 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 77.273% | 77.273% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 84.174% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 11 Tape Value: 415 \|---\| -404 \|----\| -97.34939% Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 5/XX/2005 Tape Value: 6/XX/2005 Variance: -12 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 240 Tape Value: 480 Variance: -240 Variance %: -50.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 3/XX/2005 Tape Value: 4/XX/2005 Variance: -17 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 25.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 77.273% Tape Value: 96.590% Variance: -19.317% Variance %: -19.31700% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 77.273% Tape Value: 0.000% Variance: 77.273% Variance %: 77.27300% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 11.75000% Tape Value: 4.25000% Variance: 7.50000% Variance %: 7.50000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 4/XX/2025 Tape Value: 2/XX/2061 Variance: -13071 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 11 Tape Value: 441 Variance: -430 Variance %: -97.50566% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Vermont high rate loan test.<br> This loan is a Vermont high rate loan, as defined in the legislation. For more information please see the Vermont High Rate Loan section of the full ComplianceAnalyzer report.<br> While the Vermont High Rate provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy high right loans even if the additional conditions are met.<br>This loan did not pass the prohibited fees test.<br> The Vermont statutes provide that only those fees expressly permitted may be charged.<br> The loan data is $3,422.00 and comparison data is $0.00; the variance is +$3,422.00."<br> \* DTI > 60% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per Application report, DTI is 84% as income is $2935.49 and total expenses are $2471.33."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure document is missing from loan file."<br> \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per Appraisal report property is Manufactured Housing."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by all borrowers."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by all borrowers." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 29 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Massachusetts | XX | XX | XX | Massachusetts | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $776.45 | 7.625% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 59.297% | 59.297% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 97.932% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Notice of Servicing Transfer | Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 6/XX/2011 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Pay Change Date Loan Value: 12/XX/2024 Tape Value: 6/XX/2024 Variance: 183 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Rate Change Date Loan Value: 11/XX/2024 Tape Value: 5/XX/2024 Variance: 184 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 4/XX/2006 Tape Value: 4/XX/2006 Variance: -10 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 48.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 59.297% Tape Value: 87.760% Variance: -28.463% Variance %: -28.46300% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 59.297% Tape Value: 0.000% Variance: 59.297% Variance %: 59.29700% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the late fees test.<br> The loan data is 5.000% and comparison data is 3.000%; hence, the variance is +2.000%<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located."<br> \* DTI > 60% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per 1003 dated 04/XX/2006, the total monthly income is in the amount of $2,600.00 and the total monthly expenses are in the amount of $905.98<br> The DTI is calculated as 100.808% which is exceeding 60% DTI limit"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is not hand dated by borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by the borrower." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 28 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Maine | XX | XX | XX | Maine | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $241.18 | 7.990% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 65.800% | 65.800% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 12.347% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 121 Tape Value: 120 \|---\| 1 \|----\| 0.83333% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Pay Change Date Loan Value: 6/XX/2005 Tape Value: 6/XX/2005 Variance: 1 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 6/XX/2004 Tape Value: 6/XX/2004 Variance: 1 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Rate Change Date Loan Value: 5/XX/2005 Tape Value: 5/XX/2005 Variance: 1 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 6/XX/2005 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Pay Change Date Loan Value: 6/XX/2024 Tape Value: 6/XX/2024 Variance: 1 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Rate Change Date Loan Value: 5/XX/2025 Tape Value: 5/XX/2024 Variance: 366 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 5/XX/2004 Tape Value: 5/XX/2004 Variance: -13 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 28.20512% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 65.800% Tape Value: 84.360% Variance: -18.560% Variance %: -18.56000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 65.800% Tape Value: 0.000% Variance: 65.800% Variance %: 65.80000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: 3XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 5/XX/2034 Tape Value: 5/XX/2034 Variance: 1 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Subject Property Type Loan Value: Manufactured Housing Tape Value: Single Family Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ComplianceEase Risk Indicator Is Elevated.<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value at the time of origination is missing from the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The ROR is not hand-dated by the borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final TIL is not hand dated by the borrower." | \* Property is Manufactured Housing (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "Home is not affixed. According to the appraisal report dated 5/XX/2004 subject property is "Manufactured Home". Neither Alta-7 endorsement is attached with final title policy nor the VIN# is mentioned on the legal description of the subject mortgage. Affidavit of affixation is missing from the loan file. Hence, unable to confirm whether the home is attached to the land or not." | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 27 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | New York | XX | XX | XX | New York | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $806.37 | 7.990% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 24.444% | 24.444% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal | Field: Amortized Remaining Term Loan Value: 104 Tape Value: 463 \|---\| -359 \|----\| -77.53779% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Did a Modification Change Note Terms? Loan Value: No Tape Value: Yes Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 1/XX/2003 Tape Value: 2/XX/2003 Variance: -13 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 24.444% Tape Value: 24.440% Variance: 0.004% Variance %: 0.00400% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 24.444% Tape Value: 0.000% Variance: 24.444% Variance %: 24.44400% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 7.99000% Tape Value: 5.50000% Variance: 2.49000% Variance %: 2.49000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 12/XX/2032 Tape Value: 11/XX/2062 Variance: -10909 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 104 Tape Value: 463 Variance: -359 Variance %: -77.53779% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final 1003 is missing from the loan file."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located.<br> Loan data shows 5% and comparison data shows 2.00% the variance is +3.00%."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure is missing from loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report at origination is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing Transfer Document is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business form is missing from the loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TIL is not hand dated by all the borrowers." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 26 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | New York | XX | XX | XX | New York | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $380.27 | 10.370% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 62.222% | 62.222% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Notice of Servicing Transfer<br> Right of Rescission | Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Escrow Account Indicator Loan Value: No Tape Value: Yes Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Pay Change Date Loan Value: 6/XX/2002 Tape Value: 6/XX/2002 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 6/XX/2001 Tape Value: 6/XX/2001 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Rate Change Date Loan Value: 5/XX/2002 Tape Value: 5/XX/2002 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 6/XX/2002 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Pay Change Date Loan Value: 6/XX/2025 Tape Value: 6/XX/2024 Variance: 360 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Rate Change Date Loan Value: 5/XX/2025 Tape Value: 5/XX/2024 Variance: 360 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 5/XX/2001 Tape Value: 5/XX/2001 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -6.11961% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 62.222% Tape Value: 58.410% Variance: 3.812% Variance %: 3.81200% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 62.222% Tape Value: 0.000% Variance: 62.222% Variance %: 62.22200% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 10.37000% Tape Value: 10.37500% Variance: -0.00500% Variance %: -0.00500% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value:XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 5/XX/2031 Tape Value: 5/XX/2031 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Application document is missing from loan file."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Elevated as the loan is failing for<br>This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of Servicing Transfer document is missing from loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Unable to determine operative index value."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure missing from loan files."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by the borrower." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 25 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Maryland | XX | XX | XX | Maryland | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $766.48 | 9.381% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 73.684% | 73.684% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 41.976% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application | Field: Amortized Remaining Term Loan Value: 179 Tape Value: 131 \|---\| 48 \|----\| 36.64122% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 3/XX/2009 Tape Value: 3/XX/2009 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 12/XX/2008 Tape Value: 2/XX/2009 Variance: -62 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 38.88888% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $0.44 Variance %: 0.00047% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 73.684% Tape Value: 102.340% Variance: -28.656% Variance %: -28.65600% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 73.684% Tape Value: 0.000% Variance: 73.684% Variance %: 73.68400% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 2/XX/2039 Tape Value: 2/XX/2039 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final 1003 is missing from the loan file. The values are taken as located at "XX"."<br> \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the documentation type test the document type of the loan is "No Asset Verification," "No Asset or Income Verification," "No Documentation," "No<br> Income Verification," "Reduced," or "Streamline Refinance."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file." |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 24 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Texas | XX | XX | XX | Texas | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $726.62 | 12.219% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 79.885% | 79.885% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 178 Tape Value: 189 \|---\| -11 \|----\| -5.82010% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 2/XX/2009 Tape Value: 2/XX/2009 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 1/XX/2009 Tape Value: 1/XX/2009 Variance: -9 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -1.13636% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $-0.30 Variance %: -0.00043% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 79.885% Tape Value: 78.980% Variance: 0.905% Variance %: 0.90500% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 79.885% Tape Value: 0.000% Variance: 79.885% Variance %: 79.88500% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 1/XX/2039 Tape Value: 1/XX/2039 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final 1003 is missing from the loan file. The values are taken as the note date and loan amount."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 22 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | New York | XX | XX | XX | New York | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $817.09 | 9.640% | 336 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 80.678% | 80.678% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 75.757% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 151 Tape Value: 132 \|---\| 19 \|----\| 14.39393% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 11/XX/2008 Tape Value: 12/XX/2008 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/2008 Tape Value: 10/XX/2008 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -14.85507% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $0.17 Variance %: 0.00017% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 80.678% Tape Value: 68.690% Variance: 11.988% Variance %: 11.98800% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 80.678% Tape Value: 0.000% Variance: 80.678% Variance %: 80.67800% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 10/XX/2036 Tape Value: 11/XX/2036 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 151 Tape Value: 152 Variance: -1 Variance %: -0.65789% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "1003 is missing from loan files values taken from "164978_1003-Loan Application_000001"."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the NY subprime home loan test.<br> Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.<br> While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain<br> conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the<br> additional conditions are met.<br>The loan data is 9.742% and comparison data is 8.290% hence, the variance is +1.452%"<br> \* DTI > 60% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per 1003 the total monthly income is in the amount of $2,696.00 and the total monthly expenses are in the amount of $1187.09<br> The DTI is calculated as 75.782% which is exceeding 60% DTI limit."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure missing from loan files." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 19 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Texas | XX | XX | XX | Texas | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $663.71 | 12.469% | 300 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 64.211% | 64.211% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Origination Appraisal | Field: Amortized Remaining Term Loan Value: 115 Tape Value: 113 \|---\| 2 \|----\| 1.76991% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 11/XX/2008 Tape Value: 11/XX/2008 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $XXX Variance %: 0.00070% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 64.211% Tape Value: 64.210% Variance: 0.001% Variance %: 0.00100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 64.211% Tape Value: 0.000% Variance: 64.211% Variance %: 64.21100% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 10/XX/2033 Tape Value: 10/XX/2033 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final 1003 is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Acct Disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is missing from the loan file. The Exterior only Appraisal report located at"XX""<br> \* Mortgage not properly executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The Subject Mortgage Was not Executed Properly. The Unexecuted copy is located at"1XX"."<br> \* Mortgage Not Recorded (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan was originated on 10/XX/2008. The recorded copy of mortgage is missing from the loan file. Unrecorded copy is located at "1XX"."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 16 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Mississippi | XX | XX | XX | Mississippi | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $957.30 | 10.530% | 180 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 105.435% | 105.435% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application | Field: Amortized Remaining Term Loan Value: -9 Tape Value: 443 \|---\| -452 \|----\| -102.03160% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 8/XX/2008 Tape Value: 9/XX/2008 Variance: -3 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 180 Tape Value: 480 Variance: -300 Variance %: -62.50000% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 7/XX/2008 Tape Value: 7/XX/2008 Variance: -14 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 64.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -0.00034% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 105.435% Tape Value: 172.910% Variance: -67.475% Variance %: -67.47500% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 105.435% Tape Value: 0.000% Variance: 105.435% Variance %: 105.43500% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 7/XX/2023 Tape Value: 3/XX/2061 Variance: -13730 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: -9 Tape Value: 443 Variance: -452 Variance %: -102.03160% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "1003 is missing from loan files."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Compliance Ease Risk indicator is elevated as this loan fail GSE Predatory Lending Guidance."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraised value per tape is $82,000.00, and the loan amount is $86456.70.LTV is calculated as 105.435% which is exceeding 100%."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure missing from loan files." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 14 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | New Mexico | XX | XX | XX | New Mexico | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $743.66 | 10.690% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 100.065% | 100.065% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 169 Tape Value: 166 \|---\| 3 \|----\| 1.80722% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 6/XX/2008 Tape Value: 6/XX/2008 Variance: -6 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 4/XX/2008 Tape Value: 5/XX/2008 Variance: -16 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -0.00029% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.065% Tape Value: 94.180% Variance: 5.885% Variance %: 5.88500% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.065% Tape Value: 0.000% Variance: 100.065% Variance %: 100.06500% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 5/XX/2038 Tape Value: 5/XX/2038 Variance: -6 (Days) Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final 1003 is missing from the loan file. The values are taken as the note date and loan amount."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is elevated as the loan is failed for<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 10 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Rhode Island | XX | XX | XX | Rhode Island | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1407.35 | 7.900% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 71.716% | 71.716% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | 1-4 Family Rider<br> Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 153 Tape Value: 146 \|---\| 7 \|----\| 4.79452% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower Last Name Loan Value: XX Tape Value: 0 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 3/XX/2007 Tape Value: 3/XX/2007 Variance: -6 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Number Of Units Loan Value: 2 Tape Value: 1 Variance: 1 Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 2/XX/2007 Tape Value: 2/XX/2007 Variance: -6 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 77.63157% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -0.00016% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 71.716% Tape Value: 127.390% Variance: -55.674% Variance %: -55.67400% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 71.716% Tape Value: 0.000% Variance: 71.716% Variance %: 71.71600% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 7.90000% Tape Value: 6.10000% Variance: 1.80000% Variance %: 1.80000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 2/XX/2037 Tape Value: 2/XX/2037 Variance: -6 (Days) Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Application document is missing from loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Moderate as the loan is failing for<br> This loan failed the TILA finance charge test.<br> This loan failed the TILA foreclosure rescission finance charge test.<br> This loan failed the TILA APR test."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test.<br> The finance charge is $318,643.51. The disclosed finance charge of $250,603.70 is not considered accurate because it is understated by more than $100.<br>The loan data is $250,603.70 and comparison data is $318,543.51; the variance is -$67,939.81.<br>This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $318,643.51. The disclosed finance charge of $250,603.70 is not considered accurate for purposes of rescission because it is understated by more than $35.<br>The loan data is $250,603.70 and comparison data is $318,643.51; the variance is -$68,039.81.<br>This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 8.212%. The disclosed APR of 7.030% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br>The loan data is 7.030% and comparison data is 8.212%; the variance is -1.182%."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure document is missing from loan file."<br> \* Missing required 1-4 family rider (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per Appraisal occupancy is 2-Family hence required 1-4 family rider is missing."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure missing from loan files." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 6 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Texas | XX | XX | XX | Texas | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $680.43 | 10.240% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 79.161% | 79.161% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure | Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 9/XX/2006 Tape Value: 9/XX/2006 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 6/XX/2006 Tape Value: 8/XX/2006 Variance: -55 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -12.56830% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -0.00043% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 79.161% Tape Value: 69.210% Variance: 9.951% Variance %: 9.95100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Note Doc Date Loan Value: 8/XX/2006 Tape Value: 8/XX/2006 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 79.161% Tape Value: 0.000% Variance: 79.161% Variance %: 79.16100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 10.24000% Tape Value: 7.24000% Variance: 3.00000% Variance %: 3.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 8/XX/2036 Tape Value: 8/XX/2036 Variance: -5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Application document is missing from loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Moderate as the loan is failing for<br> This loan failed the TILA finance charge test.<br> This loan failed the TILA foreclosure rescission finance charge test.<br> This loan failed the TILA APR test."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test.<br> The finance charge is $168,967.65. The disclosed finance charge of $125,425.69 is not considered accurate because it is understated by more than $100.<br> The loan data is $125,425.69 and comparison data is $168,867.65; the variance is -$43,441.96.<br>This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $168,967.65. The disclosed finance charge of $125,425.69 is not considered accurate for purposes of rescission because it is understated by more than $35.<br> The loan data is $125,425.69 and comparison data is $168,967.65; the variance is -$43,541.96.<br>This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 10.240%. The disclosed APR of 8.570% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is 8.570% and comparison data is 10.240%; the variance is -1.670%."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure document is missing from loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated Business Disclosure missing from loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 4 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Ohio | XX | XX | XX | Ohio | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1340.53 | 11.890% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 175.440% | 175.440% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Origination Appraisal | Field: Amortized Remaining Term Loan Value: 141 Tape Value: 154 \|---\| -13 \|----\| -8.44155% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower Last Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 4/XX/2006 Tape Value: 5/XX/2006 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 270 Variance: 90 Variance %: 33.33333% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -0.00016% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 175.440% Tape Value: 0.000% Variance: 175.440% Variance %: 175.44000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 11.89000% Tape Value: 4.19000% Variance: 7.70000% Variance %: 7.70000% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 3/XX/2036 Tape Value: 4/XX/2037 Variance: -370 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 141 Tape Value: 154 Variance: -13 Variance %: -8.44155% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final 1003 is missing from the loan file. The values are taken as the note date and loan amount."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is elevated as the loan is failed for<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The uniform appraisal report is missing from the loan file. The values are updated as per the tape data, and the appraisal value is $74,900.00 and the loan amount is $131,404.78; therefore, LTV / CLTV show 175.440%, which exceeds 104%."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 285 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Ohio | XX | XX | XX | Ohio | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1004.97 | 9.950% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 98.291% | 98.291% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 24.571% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 156 Tape Value: 342 \|---\| -186 \|----\| -54.38596% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Escrow Account Indicator Loan Value: No Tape Value: Yes Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 480 Variance: -120 Variance %: -25.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 2/XX/2007 Tape Value: 3/XX/2007 Variance: -22 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 143.75000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 98.291% Tape Value: 0.000% Variance: 98.291% Variance %: 98.29100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 9.95000% Tape Value: 4.20000% Variance: 5.75000% Variance %: 5.75000% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 4/XX/2037 Tape Value: 7/XX/2054 Variance: -6300 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 156 Tape Value: 363 Variance: -207 Variance %: -57.02479% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The compliance risk indicator is Significant as the loan is failing OH PLA Covered Loan Points and Fees Threshold Test. Total fees charged is $12,552.95 and allowed is $5,351.20 however over charged by +$7,201.75. Borrower has been charged with loan discount fee of $1,150.00; however bonafide disclosure is missing to confirm the points are bonafide. Affirmative claims can be made within 3 years of origination and the Note date is 03/XX/2007. SOL has been expired.<br> Fees included-<br> Loan Discount Fee paid by Borrower: $1,150.00<br> Mortgage Broker Fee (Direct) paid by Borrower: $4,950.00<br> Processing Fee paid by Borrower: $765.00<br> Underwriting Fee paid by Borrower: $749.00<br> Flood Determination - Life of Loan Fee paid by Borrower: $7.00<br> Tax Related Service Fee paid by Borrower: $50.00<br> Settlement / Closing / Escrow Fee paid by Borrower: $150.00<br> Title Courier Fee paid by Borrower: $150.00<br> Recording Service Fee paid by Borrower: $4.95<br> Max Prepayment Penalty / Termination Fee $4,577.00<br>This loan failed the prepayment penalty test. (OH HB 386 Section 1, § 1349.27 (A)(1))<br> The covered loan includes a prepayment penalty."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $255,390.98. The disclosed finance charge of $255,321.67 is not considered accurate for purposes of rescission because it is understated by more than $35.<br>The loan data is $255,321.67 and comparison data is $255,390.98; the variance is -$69.31."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure document is missing from loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated Business Disclosure is missing from loan file." |  | Significant | Pass | Fail | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 279 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Minnesota | XX | XX | XX | Minnesota | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $939.83 | 7.925% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 25.165% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 12/XX/2006 Tape Value: 12/XX/2006 Variance: -10 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -11.03448% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 88.970% Variance: 11.030% Variance %: 11.03000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure missing from loan files." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| Dropped | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Minnesota | XX | XX | XX | Minnesota | XX | XX | No |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1175.36 | 8.490% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 34.978% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Origination Appraisal | Field: Amortized Remaining Term Loan Value: 152 Tape Value: 120 \|---\| 32 \|----\| 26.66666% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 33.04347% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 133.040% Variance: -33.040% Variance %: -33.04000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA right of rescission test.<br> Closed-end <br> The funding date is before the third business day following consummation.<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report at the time of origination is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:Not Applicable<br> Date:Not Applicable<br> Type: |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 267 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | New York | XX | XX | XX | New York | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1155.81 | 9.290% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 62.515% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 148 Tape Value: 313 \|---\| -165 \|----\| -52.71565% Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 422 Variance: -62 Variance %: -14.69194% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 6/XX/2006 Tape Value: 7/XX/2006 Variance: -34 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 16.66666% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 116.670% Variance: -16.670% Variance %: -16.67000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 9.29000% Tape Value: 6.84200% Variance: 2.44800% Variance %: 2.44800% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 8/XX/2036 Tape Value: 5/XX/2050 Variance: -5021 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 148 Tape Value: 313 Variance: -165 Variance %: -52.71565% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* DTI > 60% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower DTI is 62.515% which exceeds 60%."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Acct Disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated Business Disclosure Missing or Unexecuted"<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Right of Rescission not hand dated by borrower" |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 264 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Indiana | XX | XX | XX | Indiana | XX | XX | No |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1246.35 | 8.850% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 98.125% | 98.125% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 39.603% | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Notice of Servicing Transfer<br> Title Evidence | Field: Amortized Remaining Term Loan Value: 148 Tape Value: 194 \|---\| -46 \|----\| -23.71134% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 7/XX/2006 Tape Value: 7/XX/2006 Variance: -13 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $2XX Variance: $XX Variance %: -26.26728% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 98.125% Tape Value: 101.950% Variance: -3.825% Variance %: -3.82500% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 98.125% Tape Value: 0.000% Variance: 98.125% Variance %: 98.12500% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 8/XX/2036 Tape Value: 8/XX/2040 Variance: -1461 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 148 Tape Value: 196 Variance: -48 Variance %: -24.48979% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending<br> License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file." | \* Missing Title evidence (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "Final title policy at the time of origination along with commitment and preliminary report is missing from the loan file." | Moderate | Pass | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:Not Applicable<br> Date:Not Applicable<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 263 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1163.06 | 9.200% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Yes | Yes | No |  |  | 40.410% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure | Field: Amortized Remaining Term Loan Value: 148 Tape Value: 150 \|---\| -2 \|----\| -1.33333% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 3/XX/2006 Tape Value: 7/XX/2006 Variance: -118 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 9.23076% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 109.230% Variance: -9.230% Variance %: -9.23000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 9.20000% Tape Value: 5.25000% Variance: 3.95000% Variance %: 3.95000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $13,694.95 and allowed is $6,792.82, however it is over charged by +$6,902.13.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 07/XX/2006. SOL has been expired.<br>Fees Included-<br> Mortgage Broker Fee (Direct) paid by Borrower: $4,260.00<br> Yield Spread Premium (Indirect / POC) $1,420.00<br> Processing Fee paid by Borrower: $699.00<br> Underwriting Fee paid by Borrower: $649.00<br> Wire Transfer Fee paid by Borrower: $3.95<br> Attorney's Fee paid by Borrower: $100.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $31.00<br> Max Prepayment Penalty Amount $6,532.00<br>This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1))<br> The loan is a "high-cost home loan" that provides for prepayment fees or penalties after the last day of the twenty-fourth month<br> following the loan closing."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 261 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Illinois | XX | XX | XX | Illinois | XX | XX | No |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1161.35 | 10.250% | 360 |  | XX | XX |  | Conventional | Fixed |  | Refinance | 90.000% | 90.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 67.731% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable |  | Field: Amortized Remaining Term Loan Value: 146 Tape Value: 174 \|---\| -28 \|----\| -16.09195% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower Last Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 4/XX/2006 Tape Value: 4/XX/2006 Variance: -7 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 17.07317% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 90.000% Tape Value: 105.370% Variance: -15.370% Variance %: -15.37000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 90.000% Tape Value: 0.000% Variance: 90.000% Variance %: 90.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 10.25000% Tape Value: 10.12500% Variance: 0.12500% Variance %: 0.12500% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is failing IL HRHLA High Risk Home Loan APR Threshold Test. <br> APR charged is 10.625% and allowed is 10.590% however it is over by +0.035%.<br> Any affirmative claims can be made within 5 years of closing and that the Note date is 04/XX/2006. SOL for affirmative claims has been expired; however borrower may bring defensive claims at any time during the loan term after an action to foreclose on collateral.<br>This loan failed the DTI presumption test as the debt-to-income ratio of the consumer was not provided."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test.<br> The finance charge is $292,406.74. The disclosed finance charge of $288,048.72 is not considered accurate because it is understated by more than $100.<br> The loan data is $288,048.72 and comparison data is $292,406.74; the variance is -$4,358.02<br>This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $292,406.74. The disclosed finance charge of $288,048.72 is not considered accurate for purposes of rescission because it is understated by more than $35.<br> The loan data is $288,048.72 and comparison data is $292,406.74; the variance is -$4,358.02<br>This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 10.625%. The disclosed APR of 10.493% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is 10.493% and comparison data is 10.625%; the variance is -0.132%"<br> \* DTI > 60% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per 1003 dated 4/XX/2006, the total monthly income is in the amount of $$7,354.55 and the total monthly expenses are in the amount of $4,981.31. The DTI is calculated as 67.639% which is exceeding 60% DTI limit." |  | Significant | Pass | Fail | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:Not Applicable<br> Date:Not Applicable<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 260 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Indiana | XX | XX | XX | Indiana | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $553.97 | 9.875% | 480 |  | XX | XX |  | Conventional | ARM |  | Purchase | 100.000% | 100.000% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application | Field: Amortized Remaining Term Loan Value: 268 Tape Value: 269 \|---\| -1 \|----\| -0.37174% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 9/XX/2009 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 7/XX/2006 Tape Value: 7/XX/2006 Variance: -8 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 94.290% Variance: 5.710% Variance %: 5.71000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value:XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Rate Adjustment Subsequent Cap Percent Loan Value: 1.000% Tape Value: 3.000% Variance: -2.000% Variance %: -2.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan was originated on 7/XX/2006 The final 1003 is missing from the loan file. The Initial copy is dated as 6/XX/2006 located at "XX""<br> \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan is purchase loan and as per HUD 1 CAS TO BORROWER is $200.00."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ComplianceEase risk indicator is Moderate as loan is failing for <br>This loan failed the Indiana license validation test.<br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ComplianceEase risk indicator is Moderate as loan is failing for <br>This loan failed the Indiana license validation test.<br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file." |  | Moderate | Not Covered | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 257 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Indiana | XX | XX | XX | Indiana | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1149.96 | 9.650% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 90.604% | 90.604% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 29.219% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure | Field: Amortized Remaining Term Loan Value: 146 Tape Value: 142 \|---\| 4 \|----\| 2.81690% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 262 Variance: 98 Variance %: 37.40458% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 4/XX/2006 Tape Value: 5/XX/2006 Variance: -30 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 56.84210% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 90.604% Tape Value: 142.110% Variance: -51.506% Variance %: -51.50600% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 90.604% Tape Value: 0.000% Variance: 90.604% Variance %: 90.60400% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 9.65000% Tape Value: 8.00000% Variance: 1.65000% Variance %: 1.65000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan Program Disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value at the time of origination is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 254 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Indiana | XX | XX | XX | Indiana | XX | XX | No |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1164.31 | 9.125% | 360 |  | XX | XX |  | Conventional | ARM |  | Purchase | 170.357% | 170.357% | Full Documentation | No | Not Applicable |  |  |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 16.067% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal | Field: Amortized Remaining Term Loan Value: 145 Tape Value: 146 \|---\| -1 \|----\| -0.68493% Comment: The amortized term months are 145. Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: NA. Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: NA. Tape Source: Initial Tape Type: <br> Field: First Pay Change Date Loan Value: 6/XX/2009 Tape Value: 6/XX/2010 Variance: -365 (Days) Variance %: Comment: The first pay change date is 6/XX/2009. Tape Source: Initial Tape Type: <br> Field: First Rate Change Date Loan Value: 5/XX/2009 Tape Value: 5/XX/2010 Variance: -365 (Days) Variance %: Comment: The first rate change date is 5/XX/2009. Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 6/XX/2010 Variance: Variance %: Comment: NA. Tape Source: Initial Tape Type: <br> Field: Next Pay Change Date Loan Value: 12/XX/2024 Tape Value: 6/XX/2024 Variance: 183 (Days) Variance %: Comment: The next pay change date is 12/XX/2024. Tape Source: Initial Tape Type: <br> Field: Next Rate Change Date Loan Value: 11/XX/2024 Tape Value: 5/XX/2024 Variance: 184 (Days) Variance %: Comment: The next rate change date is 11/XX/2024. Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: No discrepancy. Tape Source: Initial Tape Type: <br> Field: Rate Adjustment Subsequent Cap Percent Loan Value: 1.000% Tape Value: 3.000% Variance: -2.000% Variance %: -2.00000% Comment: The cape percent rate is 1.00%. Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE failed due to IN License Validation Test."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* LTV / CLTV > 100% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan file. The appraisal value per tape data is $84,000.00 and the loan amount is $143,100.00. The LTV is greater than 100%."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan file. The appraisal value per tape data is $84,000.00 and the loan amount is $143,100.00. The LTV is greater than 104%."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of servicing transfer document is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value is unable to determine."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file." |  | Moderate | Not Covered | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:Not Applicable<br> Date:Not Applicable<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 251 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | West Virginia | XX | XX | XX | West Virginia | XX | XX | No |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $821.16 | 8.900% | 180 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 137.299% | 137.299% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 49.951% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | Field: Amortized Remaining Term Loan Value: 145 Tape Value: 135 \|---\| 10 \|----\| 7.40740% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Balloon Indicator Loan Value: Yes Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower Last Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 180 Tape Value: 360 Variance: -180 Variance %: -50.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 137.299% Tape Value: 137.300% Variance: -0.001% Variance %: -0.00100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 137.299% Tape Value: 0.000% Variance: 137.299% Variance %: 137.29900% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 5/XX/2021 Tape Value: 5/XX/2036 Variance: -5479 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: -35 Tape Value: 145 Variance: -180 Variance %: -124.13793% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE result failed due to Late Fees Test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.<br> The maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $30. However, if the Date Creditor Received Application Date is before June 12, 2015, then the maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $15.<br> Late Fees Test: FAIL loan data $41.06 comparison data $15.00 variance+$26.06."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraised value per tape is $75,000.00 and the loan amount is $102,974.00. The LTV is calculated as 137.30% which exceeds 104%."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of servicing transfer document is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:Not Applicable<br> Date:Not Applicable<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 250 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Minnesota | XX | XX | XX | Minnesota | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1260.88 | 7.990% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 95.556% | 95.556% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 49.239% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 145 Tape Value: 134 \|---\| 11 \|----\| 8.20895% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 3/XX/2006 Tape Value: 4/XX/2006 Variance: -15 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 63.63636% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 95.556% Tape Value: 156.360% Variance: -60.804% Variance %: -60.80400% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 95.556% Tape Value: 0.000% Variance: 95.556% Variance %: 95.55600% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated business disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 249 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1161.71 | 8.800% | 360 |  | XX | XX |  | Conventional | Fixed |  | Refinance | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 37.991% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 145 Tape Value: 157 \|---\| -12 \|----\| -7.64331% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 4/XX/2006 Tape Value: 4/XX/2006 Variance: -7 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 106.910% Variance: -6.910% Variance %: -6.91000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $7,832.95 and allowed is $6,994.75, however it is over charged by +$838.20.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 04/XX/2006. SOL has been expired.<br>Fees Included-<br> Mortgage Broker Fee (Direct) paid by Borrower: $5,295.00<br> Yield Spread Premium (Indirect / POC) $735.00<br> Processing Fee paid by Borrower: $595.00<br> Underwriting Fee paid by Borrower: $649.00<br> Document Preparation Fee paid by Borrower: $3.95<br> Settlement / Closing / Escrow Fee paid by Borrower: $400.00<br> Title Courier Fee paid by Borrower: $155.00"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 243 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $607.42 | 8.100% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 38.790% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 145 Tape Value: 152 \|---\| -7 \|----\| -4.60526% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower First Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 4/XX/2006 Tape Value: 4/XX/2006 Variance: -8 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 89.130% Variance: 10.870% Variance %: 10.87000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $4,877.95 and allowed is $3,844.83, however it is over charged by +$1,033.12.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 04/XX/2006. SOL has been expired.<br>Fees Included-<br> Mortgage Broker Fee (Direct) paid by Borrower: $3,280.00<br> Processing Fee paid by Borrower: $495.00<br> Underwriting Fee paid by Borrower: $649.00<br> Settlement / Closing / Escrow Fee paid by Borrower: $450.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $3.95"<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Acct Disclosure is missing from the loan files"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file." |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 242 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Ohio | XX | XX | XX | Ohio | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $1266.30 | $1389.64 | 8.100% | 360 |  | XX | XX |  | Conventional | ARM |  | Refinance | 80.000% | 80.000% | Full Documentation | No | Not Applicable |  |  |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 46.339% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure | Field: Amortized Remaining Term Loan Value: 204 Tape Value: 135 \|---\| 69 \|----\| 51.11111% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Balloon Indicator Loan Value: Yes Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Period? Loan Value: Yes Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 2/XX/2006 Tape Value: 2/XX/2006 Variance: -13 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 26.75675% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 80.000% Tape Value: 101.410% Variance: -21.410% Variance %: -21.41000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 80.000% Tape Value: 0.000% Variance: 80.000% Variance %: 80.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 8.10000% Tape Value: 4.05700% Variance: 4.04300% Variance %: 4.04300% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "1003 missing from loan files values taken from initial application."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value at the time of origination is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure missing from loan files." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 241 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Illinois | XX | XX | XX | Illinois | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1026.43 | 8.790% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 49.753% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 144 Tape Value: 90 \|---\| 54 \|----\| 60.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 3/XX/2006 Tape Value: 3/XX/2006 Variance: -14 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 36.84210% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 136.840% Variance: -36.840% Variance %: -36.84000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure missing in loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 240 | XX | XX | XX | XX | Investor | XX | XX | XX | XX | XX | XX | XX | XX | Indiana | XX | XX | XX | Indiana | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $525.55 | 9.640% | 360 |  | XX | XX |  | Conventional | ARM |  | Purchase | 95.000% | 95.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Investor | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Initial Escrow Acct Disclosure | Field: Borrower #2 First Name Loan Value: XX Tape Value: XX \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Borrower First Name Loan Value: XX Tape Value:XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 4/XX/2009 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 3/XX/2006 Tape Value: 3/XX/2006 Variance: -13 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 95.000% Tape Value: 123.500% Variance: -28.500% Variance %: -28.50000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 95.000% Tape Value: 0.000% Variance: 95.000% Variance %: 95.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 232 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Maryland | XX | XX | XX | Maryland | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $1181.88 | $1632.50 | 9.150% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Yes | Yes | No |  |  | 38.516% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Loan Program Info Disclosure | Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 First Name Loan Value: XX Tape Value: XXVariance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower First Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: 3/XX/2011 Tape Value: 4/XX/2009 Variance: 699 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Period? Loan Value: Yes Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 1/XX/2006 Tape Value: 2/XX/2006 Variance: -19 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $1XX Variance: $XX Variance %: 40.90909% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 140.910% Variance: -40.910% Variance %: -40.91000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated P&I Loan Value: $1632.50 Tape Value: $1181.88 Variance: $450.62 Variance %: 38.12739% Comment: Tape Source: Initial Tape Type: <br> Field: Purpose of Refinance Per HUD-1 Loan Value: Debt consolidation Tape Value: Cash Out - Other Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Rate Adjustment Subsequent Cap Percent Loan Value: 1.000% Tape Value: 2.000% Variance: -1.000% Variance %: -1.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan program disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 231 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | West Virginia | XX | XX | XX | West Virginia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $702.12 | 12.150% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 116.379% | 116.379% | Full Documentation | No | Not Applicable |  |  |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 53.408% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | Field: Amortized Remaining Term Loan Value: 144 Tape Value: 150 \|---\| -6 \|----\| -4.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower Last Name Loan Value: XX Tape Value: 0 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Escrow Account Indicator Loan Value: Yes Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 116.379% Tape Value: 116.380% Variance: -0.001% Variance %: -0.00100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 116.379% Tape Value: 0.000% Variance: 116.379% Variance %: 116.37900% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the late fees test.<br> This loan failed the application fees test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located.<br> Late Fees Test: FAIL The loan data is $35.11, the comparison data is $15.00 and the variance is +$20.11<br> This loan failed the application fees test. (WVC § 31-17-8 (g))<br> The loan charges an application fee.<br> Application Fee Test: FAIL"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan files."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal is missing. The Appraised value is $58,000.00 and the loan amount is $67,500.00. The LTV is calculated as 116.379% which is exceeding 104%."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal is missing from the loan files."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The servicing transfer disclosure is missing from the loan files."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan files."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The right of rescission is missing from the loan files." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 228 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Kentucky | XX | XX | XX | Kentucky | XX | XX | No |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $576.08 | 9.990% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 89.388% | Unavailable | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 38.680% | First | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Origination Appraisal<br> Right of Rescission | Field: Amortized Remaining Term Loan Value: 142 Tape Value: 143 \|---\| -1 \|----\| -0.69930% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower First Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 1/XX/2009 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: Unavailable Tape Value: 87.600% Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 89.388% Tape Value: 0.000% Variance: 89.388% Variance %: 89.38800% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Rate Adjustment Subsequent Cap Percent Loan Value: 1.000% Tape Value: 3.000% Variance: -2.000% Variance %: -2.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal is missing from the loan files."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value is unable to confirm."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Right of rescission is missing from the loan files." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:Not Applicable<br> Date:Not Applicable<br> Type: |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 222 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $965.57 | 8.550% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 44.789% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure | Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 1/XX/2008 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Rate Change Date Loan Value: 12/XX/2024 Tape Value: 6/XX/2024 Variance: 183 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 11/XX/2005 Tape Value: 11/XX/2005 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 31.57894% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 131.580% Variance: -31.580% Variance %: -31.58000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated P&I Loan Value: $965.57 Tape Value: $965.37 Variance: $0.20 Variance %: 0.02071% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Servicing Look Back Days Loan Value: First Business Day of Preceding Month Tape Value: 45 Days Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final Loan Application is not sign by all borrower."<br> \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $6,281.50 and allowed is $5,986.71, however it is over charged by +$294.79.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 11/XX/2005. SOL has been expired.<br>Fees Included-<br> Loan Origination Fee paid by Borrower: $3,680.00<br> Underwriting Fee paid by Borrower: $500.00<br> Courier / Messenger Fee paid by Borrower: $6.50<br> Wire Transfer Fee paid by Borrower: $375.00<br> Settlement / Closing / Escrow Fee paid by Borrower: $395.00<br> Title Courier Fee paid by Borrower: $75.00<br> Max Prepayment Penalty Amount $1,250.00"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure document is missing from loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Unable to determine operative index value."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from the loan file." |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| Dropped | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Illinois | XX | XX | XX | Illinois | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1421.00 | 7.890% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 95.000% | 95.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 102.423% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Prepayment Penalty Rider | Field: Amortized Remaining Term Loan Value: 140 Tape Value: 141 \|---\| -1 \|----\| -0.70921% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 258 Variance: 102 Variance %: 39.53488% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/2005 Tape Value: 10/XX/2005 Variance: -17 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 28.75000% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 95.000% Tape Value: 122.310% Variance: -27.310% Variance %: -27.31000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 95.000% Tape Value: 0.000% Variance: 95.000% Variance %: 95.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 7.89000% Tape Value: 3.77800% Variance: 4.11200% Variance %: 4.11200% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA APR test."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA APR test. <br> The annual percentage rate (APR) is 8.216%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is 0.000% and comparison data is 8.216% hence, the variance is -8.216%"<br> \* DTI > 60% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per 1003 dated 10/XX/2005, the total monthly income is in the amount of $5,437.43 and the total monthly expenses are in the amount of $6075.18<br> The DTI is calculated as 111.729% which is exceeding 60% DTI limit"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file."<br> \* Prepayment Rider Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Prepayment rider is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated Business Disclosure missing from loan files."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The ROR is not hand dated by borrower." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 218 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Illinois | XX | XX | XX | Illinois | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1374.78 | 10.050% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 43.386% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure | Field: Amortized Remaining Term Loan Value: 139 Tape Value: 170 \|---\| -31 \|----\| -18.23529% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Escrow Account Indicator Loan Value: Yes Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 214 Variance: 146 Variance %: 68.22429% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Number Of Units Loan Value: 2 Tape Value: 1 Variance: 1 Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 9/XX/2005 Tape Value: 10/XX/2005 Variance: -25 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 143.75000% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 80.000% Tape Value: 195.000% Variance: -115.000% Variance %: -115.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 80.000% Tape Value: 0.000% Variance: 80.000% Variance %: 80.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Unable to determine operative index value."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated Business Disclosure Missing or Unexecuted" |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 210 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $940.43 | 8.800% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 88.148% | 88.148% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 69.226% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure | Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: SMITH SR \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 8/XX/2005 Tape Value: 8/XX/2005 Variance: -12 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 12.50000% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 88.148% Tape Value: 99.170% Variance: -11.022% Variance %: -11.02200% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 88.148% Tape Value: 0.000% Variance: 88.148% Variance %: 88.14800% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 8.80000% Tape Value: 5.25000% Variance: 3.55000% Variance %: 3.55000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $7,923.94 and allowed is $5,737.65, however it is over charged by +$2,186.29.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 08/XX/2005. SOL has been expired.<br>Fees Included-<br> Loan Origination Fee paid by Borrower: $3,570.00<br> Underwriting Fee paid by Borrower: $395.00<br> Settlement / Closing / Escrow Fee paid by Borrower: $195.00<br> Title Courier Fee paid by Borrower: $13.94<br> Max Prepayment Penalty Amount $3,750.00<br>This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1))<br> The loan is a "high-cost home loan" that provides for prepayment fees or penalties after the last day of the twenty-fourth month<br> following the loan closing.<br>This loan failed the high-cost home loan DTI presumption test as the borrower's total monthly debts exceed 50% of the borrower's monthly gross income."<br> \* DTI > 60% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per 1003 dated 8/XX/2005, the total monthly income is in the amount of $3,833.00 and the total monthly expenses are in the amount of $2,653.43. The DTI is calculated as 69.226% which is exceeding 60% DTI limit."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure missing in loan files"<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure missing from loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Unable to determine operative index value."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated Business Disclosure Missing or Unexecuted" |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 209 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Michigan | XX | XX | XX | Michigan | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $1086.25 | $768.90 | 6.990% | 360 |  | XX | XX |  | Conventional | ARM |  | Refinance | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 34.237% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 138 Tape Value: 143 \|---\| -5 \|----\| -3.49650% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower Last Name Loan Value: XX Tape Value: 0 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Period? Loan Value: Yes Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 299 Variance: 61 Variance %: 20.40133% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 8/XX/2005 Tape Value: 9/XX/2005 Variance: -13 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 29.92125% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 80.000% Tape Value: 103.940% Variance: -23.940% Variance %: -23.94000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 80.000% Tape Value: 0.000% Variance: 80.000% Variance %: 80.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 6.99000% Tape Value: 6.00000% Variance: 0.99000% Variance %: 0.99000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Acct Disclosure is missing."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 207 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Ohio | XX | XX | XX | Ohio | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $659.93 | 10.000% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 46.469% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 137 Tape Value: 138 \|---\| -1 \|----\| -0.72463% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower First Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 10/XX/2007 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 8/XX/2005 Tape Value: 8/XX/2005 Variance: -25 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 46.87500% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 80.000% Tape Value: 117.500% Variance: -37.500% Variance %: -37.50000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 80.000% Tape Value: 0.000% Variance: 80.000% Variance %: 80.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Rate Adjustment Subsequent Cap Percent Loan Value: 1.000% Tape Value: 3.000% Variance: -2.000% Variance %: -2.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value at the time of origination is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure missing from loan files." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 203 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $498.93 | 8.650% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 36.875% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure | Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower First Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 5/XX/2007 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 3/XX/2005 Tape Value: 3/XX/2005 Variance: -13 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 152.380% Variance: -52.380% Variance %: -52.38000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Rate Adjustment Subsequent Cap Percent Loan Value: 1.000% Tape Value: 3.000% Variance: -2.000% Variance %: -2.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $3,245.50 and allowed is $3,128.09, however it is over charged by +$117.41.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 03/XX/2005. SOL has been expired.<br>Fees Included-<br> Yield Spread Premium (Indirect / POC) $1,280.00<br> Underwriting Fee paid by Borrower: $799.00<br> Administration Fee paid by Borrower: $6.50<br> Settlement / Closing / Escrow Fee paid by Borrower: $100.00<br> Attorney's Fee paid by Borrower: $350.00<br> Title Courier Fee paid by Borrower: $70.00<br> Max Prepayment Penalty Amount $640.00"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Unable to determine operative index value."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure missing from loan files." |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 201 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $942.60 | 7.875% | 360 |  | XX | XX |  | Conventional | Fixed |  | Refinance | 110.169% | 110.169% | Full Documentation | No | Not Applicable |  |  |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 46.798% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | Field: Amortized Remaining Term Loan Value: 135 Tape Value: 119 \|---\| 16 \|----\| 13.44537% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Escrow Account Indicator Loan Value: Yes Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 110.169% Tape Value: 110.170% Variance: -0.001% Variance %: -0.00100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 110.169% Tape Value: 0.000% Variance: 110.169% Variance %: 110.16900% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan files."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal is missing. The Appraised value is $118,000.00 and the loan amount is $130,000.00. The LTV is calculated as 110.169% which is exceeding 104%."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The servicing transfer disclosure is missing from the loan files."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan files."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The ROR report is missing from the loan file." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 195 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Michigan | XX | XX | XX | Michigan | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1028.36 | 7.300% | 360 |  | XX | XX |  | Conventional | ARM |  | Refinance | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 32.931% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure | Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 245 Variance: 115 Variance %: 46.93877% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 3/XX/2005 Tape Value: 4/XX/2005 Variance: -24 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -12.79069% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 87.210% Variance: 12.790% Variance %: 12.79000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 7.30000% Tape Value: 4.46600% Variance: 2.83400% Variance %: 2.83400% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan program disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 193 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $679.23 | 7.400% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 81.750% | 81.750% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 21.066% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Origination Appraisal | Field: Amortized Remaining Term Loan Value: 128 Tape Value: 129 \|---\| -1 \|----\| -0.77519% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 255 Variance: 105 Variance %: 41.17647% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 81.750% Tape Value: 0.000% Variance: 81.750% Variance %: 81.75000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $5,154.90 and allowed is $4,631.37, however it is over charged by +$523.53.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 12/XX/2004. SOL has been expired.<br>Fees Included-<br> Loan Discount Fee paid by Borrower: $2,844.90<br> Application Fee paid by Borrower: $360.00<br> Processing Fee paid by Borrower: $626.00<br> Administration Fee paid by Borrower: $239.00<br> Appraisal Review Fee paid by Borrower: $125.00<br> Settlement / Closing / Escrow Fee paid by Borrower: $325.00<br> Attorney's Fee paid by Borrower: $550.00<br> Title Courier Fee paid by Borrower: $60.00<br> Subordination Recording Fee paid by Borrower: $25.00"<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test.<br> The finance charge is $151,897.88. The disclosed finance charge of $151,313.23 is not considered accurate because it is understated by more than $100.<br>The loan data is $151,313.23 and comparison data is $151,797.88; the variance is -$484.65.<br>This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $151,897.88. The disclosed finance charge of $151,313.23 is not considered accurate for purposes of rescission because it is understated by more than $35.<br>The loan data is $151,313.23 and comparison data is $151,897.88; the variance is -$584.65."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure document is missing from loan file."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Application document is missing from loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file." |  | Significant | Pass | Fail | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 192 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | New York | XX | XX | XX | New York | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1056.49 | 7.050% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 71.818% | 71.818% | Full Documentation | Not Applicable | XX | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 43.582% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 129 Tape Value: 130 \|---\| -1 \|----\| -0.76923% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 246 Variance: 114 Variance %: 46.34146% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 12/XX/2004 Tape Value: 12/XX/2004 Variance: -3 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 46.66666% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 71.818% Tape Value: 105.330% Variance: -33.512% Variance %: -33.51200% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 71.818% Tape Value: 0.000% Variance: 71.818% Variance %: 71.81800% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 7.05000% Tape Value: 4.17000% Variance: 2.88000% Variance %: 2.88000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Acct Disclosure is missing."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file."<br> \* Settlement date is different from note date (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The settlement date is different from the note/closing date." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 185 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Indiana | XX | XX | XX | Indiana | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $346.03 | 7.750% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 87.818% | 87.818% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 23.906% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Final Truth in Lending Discl.<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Notice of Servicing Transfer | Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 3/XX/2007 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 12/XX/2004 Tape Value: 1/XX/2005 Variance: -8 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 35.80246% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 87.818% Tape Value: 119.260% Variance: -31.442% Variance %: -31.44200% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 87.818% Tape Value: 0.000% Variance: 87.818% Variance %: 87.81800% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Servicing Look Back Days Loan Value: First Business Day of Preceding Month Tape Value: 45 Days Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test. and This loan failed the TILA APR test<br> The loan data is 0.00 % and comparison data is 6.712 % the variance is -6.712%."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA APR test<br> The loan data is 0.00 % and comparison data is 6.712 % the variance is -6.712%."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Acct Disclosure is missing from the loan files"<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of Servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 182 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | New York | XX | XX | XX | New York | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $373.40 | 10.750% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 55.172% | 55.172% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 12.045% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure | Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 233 Variance: 127 Variance %: 54.50643% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 11/XX/2004 Tape Value: 12/XX/2004 Variance: -34 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -8.22784% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 55.172% Tape Value: 50.630% Variance: 4.542% Variance %: 4.54200% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 55.172% Tape Value: 0.000% Variance: 55.172% Variance %: 55.17200% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 10.75000% Tape Value: 5.04199% Variance: 5.70801% Variance %: 5.70801% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.<br> The loan data is 5.000% and comparison data is 2.000%, the variance is +3.000%<br>This loan failed the prepayment term test. FAIL<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.<br> The loan data is 24 Months and comparison data is 0 Month, the variance is 24 Months."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business form is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 180 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $777.84 | 7.750% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 120.638% | 120.638% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 19.230% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Origination Appraisal | Field: Amortized Remaining Term Loan Value: 126 Tape Value: 113 \|---\| 13 \|----\| 11.50442% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 First Name Loan Value: XX Tape Value: XXVariance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower First Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 120.638% Tape Value: 120.640% Variance: -0.002% Variance %: -0.00200% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 120.638% Tape Value: 0.000% Variance: 120.638% Variance %: 120.63800% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per Appraisal report the appraisal value is $90,000.00 which is less than loan amount $108,574.00 and LTV is 120.638% which exceeds 104%."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business form is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 179 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $680.60 | 7.750% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 32.238% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 128 Tape Value: 124 \|---\| 4 \|----\| 3.22580% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 11/XX/2004 Tape Value: 11/XX/2004 Variance: -13 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 111.11111% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $4,924.35 and allowed is $4,616.74, however it is over charged by +$307.61.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 11/XX/2004. SOL has been expired.<br>Fees Included-<br> Loan Origination Fee paid by Borrower: $1,211.35<br> Yield Spread Premium (Indirect / POC) $1,425.00<br> Processing Fee paid by Borrower: $337.00<br> Underwriting Fee paid by Borrower: $494.50<br> Warehousing Fee paid by Borrower: $6.50<br> Settlement / Closing / Escrow Fee paid by Borrower: $475.00<br> Title Courier Fee paid by Borrower: $25.00<br> Max Prepayment Penalty Amount $950.00<br>This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1))<br> The loan is a "high-cost home loan" that provides for prepayment fees or penalties after the last day of the twenty-fourth month<br> following the loan closing."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business form is missing from the loan file." |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 178 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Ohio | XX | XX | XX | Ohio | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $673.53 | 8.450% | 360 |  | XX | XX |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 49.968% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 129 Tape Value: 123 \|---\| 6 \|----\| 4.87804% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 11/XX/2004 Tape Value: 12/XX/2004 Variance: -9 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 21.05263% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 115.790% Variance: -15.790% Variance %: -15.79000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Compliance Ease risk indicator is Elevated due to <br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated business Disclosure is missing from the loan file." |  | Elevated | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 177 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Ohio | XX | XX | XX | Ohio | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $682.48 | 8.350% | 360 |  | XX | XX |  | Conventional | ARM |  | Purchase | 100.000% | 100.000% | No Verification of Stated Assets | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 45.096% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure | Field: Amortized Remaining Term Loan Value: 128 Tape Value: 355 \|---\| -227 \|----\| -63.94366% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 438 Variance: -78 Variance %: -17.80821% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/2004 Tape Value: 11/XX/2004 Variance: -25 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 20.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 120.000% Variance: -20.000% Variance %: -20.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 8.35000% Tape Value: 5.00000% Variance: 3.35000% Variance %: 3.35000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 12/XX/2034 Tape Value: 6/XX/2053 Variance: -6757 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 128 Tape Value: 350 Variance: -222 Variance %: -63.42857% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final 1003 is missing from the loan file. The values are taken as the note date and loan amount."<br> \* Application Not Signed by All Borrowers (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per the final 1003 located at "1XX", pages are incomplete."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan program disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value at the time of origination is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 175 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $610.91 | 7.200% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 49.761% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Notice of Servicing Transfer | Field: Amortized Remaining Term Loan Value: 127 Tape Value: 114 \|---\| 13 \|----\| 11.40350% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/2004 Tape Value: 10/XX/2004 Variance: -11 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -14.28571% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 85.710% Variance: 14.290% Variance %: 14.29000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The notice of servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR not hand dated by borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final TIL is not hand dated by the borrower." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 158 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Kentucky | XX | XX | XX | Kentucky | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $647.88 | 7.800% | 360 |  | XX | XX |  | Conventional | ARM |  | Refinance | 90.000% | 90.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 42.510% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure | Field: ARM Lifetime Floor Percent Loan Value: 7.800% Tape Value: 6.000% \|---\| 1.800% \|----\| 1.80000% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 7/XX/2007 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Pay Change Date Loan Value: 1/XX/2025 Tape Value: 7/XX/2024 Variance: 184 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Rate Change Date Loan Value: 12/XX/2024 Tape Value: 6/XX/2024 Variance: 183 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 5/XX/2004 Tape Value: 5/XX/2004 Variance: -14 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX0 Variance: $XX Variance %: 51.51515% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 90.000% Tape Value: 136.360% Variance: -46.360% Variance %: -46.36000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 90.000% Tape Value: 0.000% Variance: 90.000% Variance %: 90.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure is missing from loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business form is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 157 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Illinois | XX | XX | XX | Illinois | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1402.93 | 9.990% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 48.457% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure | Field: Amortized Remaining Term Loan Value: 118 Tape Value: 114 \|---\| 4 \|----\| 3.50877% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 1/XX/2004 Tape Value: 1/XX/2004 Variance: -12 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 18.51851% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 118.520% Variance: -18.520% Variance %: -18.52000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 9.99000% Tape Value: 5.25000% Variance: 4.74000% Variance %: 4.74000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business form is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 154 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Texas | XX | XX | XX | Texas | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $830.21 | 6.750% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 78.287% | 78.287% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 9.283% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure | Field: Amortized Remaining Term Loan Value: 119 Tape Value: 117 \|---\| 2 \|----\| 1.70940% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower First Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Escrow Account Indicator Loan Value: Yes Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 1/XX/2004 Tape Value: 2/XX/2004 Variance: -6 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 78.287% Tape Value: 64.000% Variance: 14.287% Variance %: 14.28700% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 78.287% Tape Value: 0.000% Variance: 78.287% Variance %: 78.28700% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Moderate as the loan is failing for<br> This loan failed the late fees test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.<br> A loan may provide for a delinquency charge on the amount of any payment in default for a period of not less than 10 days in an amount not to exceed the greater of five percent of the amount of the payment or $7.50.<br> PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for<br> such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.<br>The loan data is 6.000% and comparison data is 5.000%; the variance is +1.000%."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 149 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $625.03 | 6.890% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 51.354% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Loan Program Info Disclosure | Field: Amortized Remaining Term Loan Value: 120 Tape Value: 123 \|---\| -3 \|----\| -2.43902% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Escrow Account Indicator Loan Value: Yes Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 3/XX/2004 Tape Value: 3/XX/2004 Variance: -2 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 172.730% Variance: -72.730% Variance %: -72.73000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $5,116.50 and allowed is $4,527.33, however it is over charged by +$589.17.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 03/XX/2004. SOL has been expired.<br>Fees Included-<br> Loan Origination Fee paid by Borrower: $1,230.00<br> Mortgage Broker Fee (Direct) paid by Borrower: $1,230.00<br> Application Fee paid by Borrower: $6.50<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $500.00<br> Attorney's Fee paid by Borrower: $600.00<br> Max Prepayment Penalty Amount $950.00<br>This loan failed the high-cost home loan DTI presumption test as the borrower's total monthly debts exceed 50% of the borrower's monthly gross income."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Unable to determine operative index value."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file." |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| Dropped | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Illinois | XX | XX | XX | Illinois | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $611.88 | 10.300% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 85.000% | 85.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 86.559% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 111 Tape Value: 174 \|---\| -63 \|----\| -36.20689% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 208 Variance: 152 Variance %: 73.07692% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 5/XX/2003 Tape Value: 5/XX/2003 Variance: -15 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 11.11111% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 85.000% Tape Value: 94.440% Variance: -9.440% Variance %: -9.44000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 85.000% Tape Value: 0.000% Variance: 85.000% Variance %: 85.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 10.30000% Tape Value: 5.28700% Variance: 5.01300% Variance %: 5.01300% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 6/XX/2033 Tape Value: 9/XX/2038 Variance: -1918 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 111 Tape Value: 174 Variance: -63 Variance %: -36.20689% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* DTI > 60% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per 1003 dated 5/XX/2003, the total monthly income is in the amount of $2,736.13 and the total monthly expenses are in the amount of $2,368.37 The DTI is calculated as 86.559% which is exceeding 60% DTI limit."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Acct Disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 141 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Minnesota | XX | XX | XX | Minnesota | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $406.50 | 7.350% | 180 |  | XX | XX |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 44.388% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 110 Tape Value: 97 \|---\| 13 \|----\| 13.40206% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Balloon Indicator Loan Value: Yes Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Escrow Account Indicator Loan Value: No Tape Value: Yes Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 180 Tape Value: 360 Variance: -180 Variance %: -50.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 4/XX/2003 Tape Value: 5/XX/2003 Variance: -34 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 38.63636% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 134.090% Variance: -34.090% Variance %: -34.09000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 5/XX/2018 Tape Value: 5/XX/2033 Variance: -5479 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: -70 Tape Value: 110 Variance: -180 Variance %: -163.63636% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Elevated as the loan is failing for :<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business form is missing from the loan file." |  | Elevated | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 140 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Minnesota | XX | XX | XX | Minnesota | XX | XX | No |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1015.12 | 6.300% | 180 |  | XX | XX |  | Conventional | Fixed |  | Purchase | 100.000% | Unavailable | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 21.947% | First | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Origination Appraisal | Field: Amortized Remaining Term Loan Value: 110 Tape Value: 114 \|---\| -4 \|----\| -3.50877% Comment: Tape Source: Initial Tape Type: <br> Field: Balloon Indicator Loan Value: Yes Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 180 Tape Value: 360 Variance: -180 Variance %: -50.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 13.10344% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: Unavailable Tape Value: 113.100% Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 5/XX/2018 Tape Value: 5/XX/2033 Variance: -5479 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: -70 Tape Value: 110 Variance: -180 Variance %: -163.63636% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TILA APR Test: The loan data is 6.600% and comparison data is 6.348; the variance is +0.252%"<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $137,400.81. The disclosed finance charge of $137,560.78 is not considered accurate for purposes of rescission because it is understated by more than $159.97. The loan data is $137,400.81 and comparison data is $137,560.78; the variance is -$159.97."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand-dated by the borrower." |  | Moderate | Not Covered | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:Not Applicable<br> Date:Not Applicable<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 136 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Indiana | XX | XX | XX | Indiana | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1027.15 | 6.650% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 35.279% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 105 Tape Value: 353 \|---\| -248 \|----\| -70.25495% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 450 Variance: -90 Variance %: -20.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 11/XX/2002 Tape Value: 11/XX/2002 Variance: -3 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 1.91082% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 101.910% Variance: -1.910% Variance %: -1.91000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 6.65000% Tape Value: 5.26200% Variance: 1.38800% Variance %: 1.38800% Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 12/XX/2032 Tape Value: 7/XX/2053 Variance: -7517 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 105 Tape Value: 352 Variance: -247 Variance %: -70.17045% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Not Covered | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 135 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | West Virginia | XX | XX | XX | West Virginia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $539.94 | 11.100% | 180 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | XX | XX | Primary | Yes | Yes | No |  |  | 36.156% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Balloon Rider<br> Credit Application<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 107 Tape Value: 95 \|---\| 12 \|----\| 12.63157% Comment: Tape Source: Initial Tape Type: <br> Field: Balloon Indicator Loan Value: Yes Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 180 Tape Value: 360 Variance: -180 Variance %: -50.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 11/XX/2002 Tape Value: 2/XX/2003 Variance: -76 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -26.47058% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 75.000% Tape Value: 55.150% Variance: 19.850% Variance %: 19.85000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 75.000% Tape Value: 0.000% Variance: 75.000% Variance %: 75.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 3/XX/2018 Tape Value: 3/XX/2033 Variance: -5479 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: -73 Tape Value: 107 Variance: -180 Variance %: -168.22429% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final 1003 is missing from the loan file. The values are taken as the note date and loan amount."<br> \* Application Not Signed by All Borrowers (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per the final 1003 located at "XX", the pages are incomplete."<br> \* Balloon Rider Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The balloon rider is missing from the mortgage document"<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located..<br> The loan data is $27.00 and comparison data is $15.00; hence, the variance is +$12.00.<br>This loan failed the fees, compensation, and points test due to one of the following findings: <br> If combined fees, compensation, and points of any kind to the lender and broker or their affiliates, to arrange, originate,<br> evaluate, maintain or service the loan exceed 6% of the loan amount financed; or<br> If the aggregate of fees, compensation, and points exceed 5% of the loan amount financed..<br> The loan data is $3,700.40 and comparison data is $2,812.50; hence, the variance is +$887.90."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file."<br> \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Home is not affixed. According to the appraisal report dated 11/XX/2002 subject property is "Manufactured Home". Neither Alta-7 endorsement is attached with final title policy nor the VIN# is mentioned on the legal description of the subject mortgage. Affidavit of affixation is missing from the loan file. Hence, unable to confirm whether the home is attached to the land or not"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 134 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Illinois | XX | XX | XX | Illinois | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $324.96 | 8.490% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 90.000% | 90.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 25.487% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Prepayment Penalty Rider | Field: Amortized Remaining Term Loan Value: 104 Tape Value: 102 \|---\| 2 \|----\| 1.96078% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower Last Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/2002 Tape Value: 11/XX/2002 Variance: -26 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 5.61797% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 90.000% Tape Value: 95.060% Variance: -5.060% Variance %: -5.06000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 90.000% Tape Value: 0.000% Variance: 90.000% Variance %: 90.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value:XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is moderate as the loan is failed for.<br> Prepayment Term Test:"<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the prepayment term test.<br> The loan provides for a penalty for paying all or part of the principal before the date on which the principal is due.<br> The loan data is 36Months and comparison data is 0Months hence, the variance is 36Months."<br> \* Prepayment Rider Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Prepayment rider is missing from the mortgage document."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The ROR is not hand-dated by the borrower." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 133 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | New Mexico | XX | XX | XX | New Mexico | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1183.25 | 8.250% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 90.000% | 90.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 29.174% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Loan Program Info Disclosure | Field: Amortized Remaining Term Loan Value: 102 Tape Value: 53 \|---\| 49 \|----\| 92.45283% Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 248 Variance: 112 Variance %: 45.16129% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/2002 Tape Value: 10/XX/2002 Variance: -16 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -12.50000% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 90.000% Tape Value: 78.750% Variance: 11.250% Variance %: 11.25000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 90.000% Tape Value: 0.000% Variance: 90.000% Variance %: 90.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 8.25000% Tape Value: 7.10000% Variance: 1.15000% Variance %: 1.15000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Prepayment Term Test:<br> The loan data is 36Months and comparison data is 0Months. The variance is 36Months."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Prepayment Term Test:<br> The loan data is 36Months and comparison data is 0Months. The variance is 36Months.<br> This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the<br> property is located."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan Program Disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value is unable to determine."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| Dropped | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Indiana | XX | XX | XX | Indiana | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $669.84 | 13.250% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 54.533% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Loan Program Info Disclosure | Field: Amortized Remaining Term Loan Value: 104 Tape Value: 42 \|---\| 62 \|----\| 147.61904% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 253 Variance: 107 Variance %: 42.29249% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/2002 Tape Value: 10/XX/2002 Variance: -15 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -7.10382% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 70.000% Tape Value: 65.030% Variance: 4.970% Variance %: 4.97000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 70.000% Tape Value: 0.000% Variance: 70.000% Variance %: 70.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 13.25000% Tape Value: 9.95000% Variance: 3.30000% Variance %: 3.30000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and<br> subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending<br> License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated<br> UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with<br> a closing date before the Act's effective date of January 1, 2009."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is moderate as the loan is failed for.<br> This loan failed the Indiana license validation test. (IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101)<br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and<br> subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending<br> License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated<br> UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with<br> a closing date before the Act's effective date of January 1, 2009."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan program disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Not Covered | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 131 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | West Virginia | XX | XX | XX | West Virginia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $531.96 | 11.750% | 360 |  | XX | XX |  | Conventional | ARM |  | Refinance | 81.077% | 81.077% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure | Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: ARM Lifetime Floor Percent Loan Value: 11.750% Tape Value: 11.000% Variance: 0.750% Variance %: 0.75000% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower First Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Rate Change Date Loan Value: 10/XX/2004 Tape Value: 10/XX/2004 Variance: 5 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 11/XX/2004 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 8/XX/2002 Tape Value: 9/XX/2002 Variance: -41 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 81.077% Tape Value: 83.650% Variance: -2.573% Variance %: -2.57300% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 81.077% Tape Value: 0.000% Variance: 81.077% Variance %: 81.07700% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Purpose of Refinance Per HUD-1 Loan Value: Debt consolidation Tape Value: Cash Out - Other Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Purpose of Transaction per HUD-1 Loan Value: Refinance Tape Value: Cash Out Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Rate Adjustment Subsequent Cap Percent Loan Value: 1.000% Tape Value: 2.000% Variance: -1.000% Variance %: -1.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The application is missing from the loan file; it is located at "XX" and is the initial application report."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Moderate as the loan is failing for below test.<br> This loan failed the late fees test.<br> This loan failed the fees, compensation, and points test due."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.<br> The maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $30. However, if the Date Creditor Received Application Date is before June 12, 2015, then the maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $15.<br> Late Fees Test Loan Data $26.60 Comparison Data $15.00 Variance +$11.60<br>This loan failed the fees, compensation, and points test due to one of the following findings:<br> If combined fees, compensation, and points of any kind to the lender and broker or their affiliates, to arrange, originate, evaluate, maintain or service the loan exceed 6% of the loan amount financed; or<br> If the aggregate of fees, compensation, and points exceed 5% of the loan amount financed.<br> Points Test Loan Data $2,800.00 Comparison Data $2,635.00, the Variance +$165.00"<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business form is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 130 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | West Virginia | XX | XX | XX | West Virginia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $435.35 | 9.450% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 85.246% | Unavailable | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 48.955% | First | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Loan Program Info Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 238 Variance: 122 Variance %: 51.26050% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: Unavailable Tape Value: 85.250% Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 85.246% Tape Value: 0.000% Variance: 85.246% Variance %: 85.24600% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 9.45000% Tape Value: 11.00000% Variance: -1.55000% Variance %: -1.55000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "State Regulations<br> Late Fees Test: FAIL"<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "State Regulations<br> Late Fees Test: FAIL<br> This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.<br> The maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $30. However, if the Date Creditor Received Application Date is before June 12, 2015, then the maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $15. (WVC §§ 46A-3-112, 46A-3-113)."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan program disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The notice of servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The ROR is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 124 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | New York | XX | XX | XX | New York | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $870.99 | 10.400% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 45.310% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Origination Appraisal | Field: Amortized Remaining Term Loan Value: 95 Tape Value: 339 \|---\| -244 \|----\| -71.97640% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 485 Variance: -125 Variance %: -25.77319% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 10.40000% Tape Value: 3.78000% Variance: 6.62000% Variance %: 6.62000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 4/XX/2032 Tape Value: 7/XX/2055 Variance: -8491 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 95 Tape Value: 374 Variance: -279 Variance %: -74.59893% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test.<br> The finance charge is $222,464.84. The disclosed finance charge of $222,233.80 is not considered accurate because it is understated by more than $100.<br> The loan data is $222,233.80 and comparison data is $222,364.84, the variance is -$131.04<br>This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $222,464.84. The disclosed finance charge of $222,233.80 is not considered accurate for purposes of rescission because it is understated by more than $35.<br> The loan data is $222,233.80 and comparison data is $222,464.84, the variance is -$231.04"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Acct Disclosure is missing."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal is located at "XX," which is six months prior to the loan origination date of 4/XX/2002, but it is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The ROR is not hand dated by borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by borrower." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 117 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | West Virginia | XX | XX | XX | West Virginia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $416.65 | 10.900% | 180 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 90.000% | 90.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 47.535% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Balloon Indicator Loan Value: Yes Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Borrower Last Name Loan Value: XX Tape Value: 0 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 180 Tape Value: 360 Variance: -180 Variance %: -50.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 2/XX/2001 Tape Value: 2/XX/2001 Variance: -14 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 1.44927% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 90.000% Tape Value: 91.300% Variance: -1.300% Variance %: -1.30000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 90.000% Tape Value: 0.000% Variance: 90.000% Variance %: 90.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value:XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 2/XX/2016 Tape Value: 3/XX/2031 Variance: -5512 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: -98 Tape Value: 83 Variance: -181 Variance %: -218.07228% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk is Moderate <br> This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located"<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located.<br> The maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $30. However, if the Date<br> Creditor Received Application Date is before June 12, 2015, then the maximum allowable late fees are 5% of the unpaid amount<br> of the installment, not to exceed $15. <br> The loan data is $20.83 and comparison data is $15.00; the variance is +$5.83"<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure missing in loan files"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated Business Disclosure Missing or Unexecuted"<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Right of Rescission not hand dated by borrower" |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 112 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Mississippi | XX | XX | XX | Mississippi | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $622.80 | 12.950% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 100.000% | 100.000% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Notice of Servicing Transfer | Field: Amortized Remaining Term Loan Value: 83 Tape Value: 84 \|---\| -1 \|----\| -1.19047% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Pay Change Date Loan Value: 3/XX/2003 Tape Value: 3/XX/2003 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Rate Change Date Loan Value: 2/XX/2003 Tape Value: 2/XX/2003 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 3/XX/2003 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Pay Change Date Loan Value: 9/XX/2024 Tape Value: 9/XX/2024 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Rate Change Date Loan Value: 8/XX/2024 Tape Value: 8/XX/2024 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 12/XX/2000 Tape Value: 1/XX/2001 Variance: -40 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $-XX Variance %: -15.67164% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 84.330% Variance: 15.670% Variance %: 15.67000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 0.000% Variance: 100.000% Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Rate Adjustment Subsequent Cap Percent Loan Value: 1.000% Tape Value: 2.000% Variance: -1.000% Variance %: -1.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final 1003 is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the late fees test.<br> The loan data is 5.000% and comparison data is 4.000%; hence, the variance is +1.000%<br>This loan is not tested against the loan term test. (Fannie Mae Announcement 2013-06) The loan term test does not apply to loans with a date creditor received application before January 10, 2014. NOT TESTED <br> This loan failed the prepayment penalty term test. (Fannie Mae 2006 Selling Guide, Part IV, 201.02) The loan charges a prepayment penalty with a term exceeding 3 years."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the late fees test.<br> The loan data is 5.000% and comparison data is 4.000%; hence, the variance is +1.000%"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value is unable to confirm."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required affiliated business disclosure is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 111 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | North Carolina | XX | XX | XX | North Carolina | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $472.91 | 11.990% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 102.242% | 102.242% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure | Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: ARM Index Margin Percent Loan Value: 8.600% Tape Value: 8.060% Variance: 0.540% Variance %: 0.54000% Comment: Tape Source: Initial Tape Type: <br> Field: ARM Lifetime Floor Percent Loan Value: 8.600% Tape Value: 11.990% Variance: -3.390% Variance %: -3.39000% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower First Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 1/XX/2003 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 11/XX/2000 Tape Value: 12/XX/2000 Variance: -28 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 28.57142% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 102.242% Tape Value: 131.450% Variance: -29.208% Variance %: -29.20800% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 102.242% Tape Value: 0.000% Variance: 102.242% Variance %: 102.24200% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Rate Adjustment Subsequent Cap Percent Loan Value: 1.000% Tape Value: 3.000% Variance: -2.000% Variance %: -2.00000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Application document is missing from loan file."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.<br>The loan data is 24Months and comparison data is 0Months; the variance is 24Months.<br>This loan failed the bona fide discount points test due to one of the following findings:<br> The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.<br> The discount points are marked as bona fide but an undiscounted rate value was not provided."<br> \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing NC SB 1149 High Cost Home Loan Points and Fees Test. Total fees charged to the borrower is $2,648.09 and allowed is $2,191.05, however it is over charged by +$457.04.<br> Affirmative claims can be made within 2 years (4 Years under Chapter 75) of the closing and that the note date is 12/XX/2000. SOL has been expired.<br> Fees included-<br> Mortgage Broker Fee (Direct) paid by Borrower: $2,100.00<br> Flood Determination - Life of Loan Fee paid by Borrower: $18.00<br> Courier / Messenger Fee paid by Borrower: $10.00<br> Settlement / Closing / Escrow Fee paid by Borrower: $60.00<br> Max Prepayment Penalty Amount $460.09.<br>This loan failed the high-cost home loan DTI presumption as the debt-to-income ratio of the borrower was not provided.<br>This loan failed the high-cost home loan financing of points and fees test. (NC SB 1149 [G.S. § 24-1.1E(c)(3)b,c])<br> The loan finances any points and fees or any other charges payable to third parties."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure document is missing from loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure missing from loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Unable to determine operative index value."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business is missing from loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR document is missing from loan file."<br> \* Settlement date is different from note date (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per Final HUD-1 Settlement date 12/XX/2000 is different from note date 12/XX/2000."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by the borrower." |  | Significant | Pass | Pass | No Result | Fail | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 108 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | New York | XX | XX | XX | New York | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $669.76 | 10.050% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 95.000% | 95.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 37.298% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 80 Tape Value: 64 \|---\| 16 \|----\| 25.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower Last Name Loan Value: XX Tape Value: 0 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/2000 Tape Value: 11/XX/2000 Variance: -36 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -50.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 95.000% Tape Value: 47.500% Variance: 47.500% Variance %: 47.50000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 95.000% Tape Value: 0.000% Variance: 95.000% Variance %: 95.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 10.05000% Tape Value: 9.40000% Variance: 0.65000% Variance %: 0.65000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ComplianceEase Risk Indicator is moderate due to <br> This loan failed the TILA right of rescission test.<br> Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the<br> notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.<br> GSE Point and fees test."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA right of rescission test.<br> Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the<br> notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure missing in loan files."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated Business Disclosure Missing or Unexecuted" |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 104 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | North Carolina | XX | XX | XX | North Carolina | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $469.80 | 12.990% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 85.000% | 85.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 46.720% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure<br> Notice of Servicing Transfer | Field: Amortized Remaining Term Loan Value: 79 Tape Value: 80 \|---\| -1 \|----\| -1.25000% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 12/XX/2002 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Pay Change Date Loan Value: 12/XX/2024 Tape Value: 6/XX/2024 Variance: 183 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Rate Change Date Loan Value: 11/XX/2024 Tape Value: 5/XX/2024 Variance: 184 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 8/XX/2000 Tape Value: 10/XX/2000 Variance: -57 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $-40000.00 Variance %: -44.44444% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 85.000% Tape Value: 47.220% Variance: 37.780% Variance %: 37.78000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 85.000% Tape Value: 0.000% Variance: 85.000% Variance %: 85.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Rate Adjustment Subsequent Cap Percent Loan Value: 1.500% Tape Value: 3.000% Variance: -1.500% Variance %: -1.50000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the<br> property is located."<br> \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing NC SB 1149 High Cost Home Loan Points and Fees Test. Total fees charged to the borrower is $2,450.00 and allowed is $2,013.02, however it is over charged by +$436.98.<br> Affirmative claims can be made within 2 years (4 Years under Chapter 75) of the closing and that the note date is 10/XX/2000. SOL has been expired.<br> Fees included-<br> Loan Origination Fee paid by Borrower: $2,000.00<br> Attorney's Fee (Other) paid by Borrower: $25.00<br> Max Prepayment Penalty Amount $425.00<br>This loan failed the high-cost home loan financing of points and fees test. (NC SB 1149 [G.S. § 24-1.1E(c)(3)b,c])<br> The loan finances any points and fees or any other charges payable to third parties."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Acct Disclosure Missing from loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan Program Disclosure is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of servicing transfer is missing from the loan file"<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value not determine."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from the loan file" |  | Significant | Pass | Pass | No Result | Fail | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 92 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Michigan | XX | XX | XX | Michigan | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $455.21 | 9.000% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 82.000% | 82.000% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Initial Escrow Acct Disclosure | Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 2/XX/2003 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 12/XX/1999 Tape Value: 12/XX/1999 Variance: -12 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 46.80851% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 82.000% Tape Value: 120.380% Variance: -38.380% Variance %: -38.38000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 82.000% Tape Value: 0.000% Variance: 82.000% Variance %: 82.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 8.99990% Tape Value: 8.99900% Variance: 0.00090% Variance %: 0.00090% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value:XX Tape Value:XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final 1003 is missing from the loan file. The values are taken as the note date and loan amount."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is moderate as the loan is failed for<br> Prepayment Term Test"<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the<br> property is located.<br> The loan data is 60Months and comparison data is 36Months; the variance is 24Months."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value at the time of origination is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final TIL is not hand dated by the borrower." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 15 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Texas | XX | XX | XX | Texas | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $328.74 | 12.298% | 288 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 74.999% | 74.999% | No Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application | Field: Amortized Remaining Term Loan Value: 97 Tape Value: 101 \|---\| -4 \|----\| -3.96039% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Payment Date Loan Value: 6/XX/2008 Tape Value: 6/XX/2008 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 4/XX/2008 Tape Value: 5/XX/2008 Variance: -14 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $-XX Variance %: -3.57142% Comment: Tape Source: Initial Tape Type: <br> Field: Original Balance (or Line Amount) Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -0.00102% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 74.999% Tape Value: 72.320% Variance: 2.679% Variance %: 2.67900% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 74.999% Tape Value: 72.320% Variance: 2.679% Variance %: 2.67900% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 5/XX/2032 Tape Value: 5/XX/2032 Variance: -4 (Days) Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "1003/Application is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Unavailable |
| 246 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Texas | XX | XX | XX | Texas | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $437.63 | 9.690% | 360 |  | XX | XX |  | Conventional | ARM |  | Purchase | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 38.281% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Loan Program Info Disclosure | Field: Amortized Remaining Term Loan Value: 145 Tape Value: 143 \|---\| 2 \|----\| 1.39860% Comment: Tape Source: Initial Tape Type: <br> Field: ARM Lifetime Floor Percent Loan Value: 7.690% Tape Value: 9.690% Variance: -2.000% Variance %: -2.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 6/XX/2009 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Pay Change Date Loan Value: 12/XX/2024 Tape Value: 6/XX/2024 Variance: 183 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Rate Change Date Loan Value: 11/XX/2024 Tape Value: 5/XX/2024 Variance: 184 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Number Of Units Loan Value: 2 Tape Value: 1 Variance: 1 Variance %: 100.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 2/XX/2006 Tape Value: 4/XX/2006 Variance: -78 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 71.110% Variance: 28.890% Variance %: 28.89000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 71.110% Variance: 28.890% Variance %: 28.89000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Disclosed APR High-Cost Threshold Exception Test:<br> The loan data is 12.822% and comparison data is 12.590%. The variance is +0.232%.<br> This loan failed the disclosed APR high-cost threshold exception test.<br> Although the recalculated APR does not exceed any "high-cost " APR thresholds, using the disclosed APR, as provided, the loan<br> would fail the following "high-cost " APR threshold test(s): TX SB 1581 High-Cost Home Loan Credit Transaction APR Threshold<br> Test. As a result, this loan may not be acceptable to certain secondary market investors."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Moderate :<br>This loan failed the Disclosed APR High-Cost Threshold Exception Test:<br> The loan data is 12.822% and comparison data is 12.590%. The variance is +0.232%."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Acct Disclosure Missing from loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan Program Disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index unable to determine."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from the loan file." |  | Moderate | Not Covered | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 233 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Texas | XX | XX | XX | Texas | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $513.82 | 9.520% | 360 |  | XX | XX |  | Conventional | ARM |  | Purchase | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 21.551% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure | Field: Amortized Remaining Term Loan Value: 142 Tape Value: 143 \|---\| -1 \|----\| -0.69930% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Unavailable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: ARM Interest Rate Rounding Factor Loan Value: Round nearest 1/8 Tape Value: Round nearest 1/4 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 3/XX/2008 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 12/XX/2005 Tape Value: 1/XX/2006 Variance: -46 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $-XX Variance %: -3.17460% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 96.830% Variance: 3.170% Variance %: 3.17000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 96.830% Variance: 3.170% Variance %: 3.17000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Servicing Look Back Days Loan Value: First Business Day of Preceding Month Tape Value: 45 Days Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the disclosed APR high-cost threshold exception test.<br> Although the recalculated APR does not exceed any "high-cost " APR thresholds, using the disclosed APR, as provided, the loan would fail the following "high-cost " APR threshold test(s): TX SB 1581 High-Cost Home Loan Credit Transaction APR Threshold Test. As a result, this loan may not be acceptable to certain secondary market investors."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Moderate as the loan is failing for:<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value at the time of origination is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure missing from loan files." |  | Moderate | Not Covered | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 229 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Michigan | XX | XX | XX | Michigan | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $712.08 | 9.390% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 100.588% | 100.588% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal | Field: Amortized Remaining Term Loan Value: 141 Tape Value: 142 \|---\| -1 \|----\| -0.70422% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: ARM Interest Rate Rounding Factor Loan Value: Round nearest 1/8 Tape Value: Round nearest 1/4 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 2/XX/2008 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.588% Tape Value: 100.590% Variance: -0.002% Variance %: -0.00200% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.588% Tape Value: 100.590% Variance: -0.002% Variance %: -0.00200% Comment: Tape Source: Initial Tape Type: <br> Field: Servicing Look Back Days Loan Value: First Business Day of Preceding Month Tape Value: 45 Days Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Elevated as the loan is failing for:<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow acct disclosure missing from the loan file."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal at the origination is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of Servicing transfer is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated business disclosure is missing from the loan file." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 221 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Indiana | XX | XX | XX | Indiana | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $897.54 | 9.375% | 360 |  | XX | XX |  | Conventional | ARM |  | Purchase | 90.000% | 90.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 32.238% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: ARM Interest Rate Rounding Factor Loan Value: Round nearest 1/8 Tape Value: Round nearest 1/4 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: ARM Lifetime Floor Percent Loan Value: 8.375% Tape Value: 9.375% Variance: -1.000% Variance %: -1.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: SLAUGHTERBECK Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Did a Modification Change Note Terms? Loan Value: No Tape Value: Yes Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Pay Change Date Loan Value: 12/XX/2007 Tape Value: 12/XX/2008 Variance: -366 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: First Rate Change Date Loan Value: 11/XX/2007 Tape Value: 11/XX/2008 Variance: -366 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 12/XX/2008 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Pay Change Date Loan Value: 12/XX/2024 Tape Value: 6/XX/2024 Variance: 183 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Rate Change Date Loan Value: 11/XX/2024 Tape Value: 5/XX/2024 Variance: 184 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 10/XX/2005 Tape Value: 10/XX/2005 Variance: -6 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 17.87439% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 90.000% Tape Value: 104.260% Variance: -14.260% Variance %: -14.26000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 90.000% Tape Value: 104.260% Variance: -14.260% Variance %: -14.26000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: 3XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Property Postal Code Loan Value: 46041 Tape Value: 46058 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Servicing Look Back Days Loan Value: First Business Day of Preceding Month Tape Value: 45 Days Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is moderate as the loan is failed for,<br> This loan failed the Indiana license validation test."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Moderate | Not Covered | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 216 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Illinois | XX | XX | XX | Illinois | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $623.89 | 9.850% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 90.000% | 90.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 17.865% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX \|---\| \|----\| Comment: Tape Source: Initial Tape Type: <br> Field: Borrower First Name Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 12/XX/2007 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Pay Change Date Loan Value: 12/XX/2024 Tape Value: 6/XX/2024 Variance: 183 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Rate Change Date Loan Value: 11/XX/2024 Tape Value: 5/XX/2024 Variance: 184 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA right of rescission test."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA right of rescission test.<br> The funding date is before the third business day following consummation.<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the<br> notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow account disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Unable to determine operative index value."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 204 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Minnesota | XX | XX | XX | Minnesota | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $552.41 | 9.990% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 19.638% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure | Field: Amortized Remaining Term Loan Value: 136 Tape Value: 129 \|---\| 7 \|----\| 5.42635% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 6/XX/2005 Tape Value: 6/XX/2005 Variance: -8 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 81.820% Variance: 18.180% Variance %: 18.18000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 81.820% Variance: 18.180% Variance %: 18.18000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value:XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 199 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Indiana | XX | XX | XX | Indiana | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $976.39 | 8.550% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 84.267% | 84.267% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Yes | Yes | No |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure | Field: Amortized Remaining Term Loan Value: 134 Tape Value: 352 \|---\| -218 \|----\| -61.93181% Comment: Tape Source: Initial Tape Type: <br> Field: Amortized Term (Calculated) Loan Value: 360 Tape Value: 480 Variance: -120 Variance %: -25.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Did a Modification Change Note Terms? Loan Value: No Tape Value: Yes Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 480 Variance: -120 Variance %: -25.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 6/XX/2005 Tape Value: 6/XX/2005 Variance: -7 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $2500.00 Variance %: 1.69491% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 84.267% Tape Value: 85.690% Variance: -1.423% Variance %: -1.42300% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 84.267% Tape Value: 85.690% Variance: -1.423% Variance %: -1.42300% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated P&I Loan Value: $976.39 Tape Value: $503.08 Variance: $473.31 Variance %: 94.08245% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 8.55000% Tape Value: 4.48000% Variance: 4.07000% Variance %: 4.07000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 7/XX/2035 Tape Value: 3/XX/2054 Variance: -6818 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 134 Tape Value: 358 Variance: -224 Variance %: -62.56983% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test.<br> IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101) Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test.<br> IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101) Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 198 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Michigan | XX | XX | XX | Michigan | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $575.45 | 9.050% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 80.909% | 80.909% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 46.949% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Loan Program Info Disclosure | Field: Amortized Remaining Term Loan Value: 133 Tape Value: 131 \|---\| 2 \|----\| 1.52671% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 7/XX/2007 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Next Rate Change Date Loan Value: 12/XX/2024 Tape Value: 6/XX/2024 Variance: 183 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 4/XX/2005 Tape Value: 5/XX/2005 Variance: -24 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 14.28571% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 80.909% Tape Value: 92.470% Variance: -11.561% Variance %: -11.56100% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 80.909% Tape Value: 92.470% Variance: -11.561% Variance %: -11.56100% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Elevated as the loan is failing for:<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated business disclosure is missing from the loan file." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 145 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $916.98 | 5.500% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 85.000% | 85.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | 57.903% | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure | Field: Amortized Remaining Term Loan Value: 118 Tape Value: 101 \|---\| 17 \|----\| 16.83168% Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 1/XX/2004 Tape Value: 2/XX/2004 Variance: -23 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 85.000% Tape Value: 84.110% Variance: 0.890% Variance %: 0.89000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 85.000% Tape Value: 84.110% Variance: 0.890% Variance %: 0.89000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $14,909.50 and allowed is $7,810.83, however it is over charged by $7,098.67.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 02/XX/2004. SOL has been expired.<br> Fees Included-<br> Loan Discount Fee paid by Borrower: $400.00<br> Mortgage Broker Fee (Direct) paid by Borrower: $3,600.00<br> Processing Fee paid by Borrower: $300.00<br> Underwriting Fee paid by Borrower: $688.00<br> Document Preparation Fee paid by Borrower: $6.50<br> Settlement / Closing / Escrow Fee paid by Borrower: $200.00<br> Title Courier Fee paid by Borrower: $25.00<br> Max Prepayment Penalty Amount $9,690.00<br>This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1).<br>This loan failed the high-cost home loan DTI presumption test as the borrower's total monthly debts exceed 50% of the borrower's monthly gross income."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required affiliated business disclosure is missing from the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The ROR is not hand-dated by the borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final TIL is not hand dated by the borrower." |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |
| 142 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | Georgia | XX | XX | XX | Georgia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $1237.61 | 7.500% | 360 |  | XX | XX |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure | Field: Amortized Remaining Term Loan Value: 111 Tape Value: 345 \|---\| -234 \|----\| -67.82608% Comment: Tape Source: Initial Tape Type: <br> Field: Amortized Term (Calculated) Loan Value: 360 Tape Value: 480 Variance: -120 Variance %: -25.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Did a Modification Change Note Terms? Loan Value: No Tape Value: Yes Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Loan Original Maturity Term Months Loan Value: 360 Tape Value: 480 Variance: -120 Variance %: -25.00000% Comment: Tape Source: Initial Tape Type: <br> Field: Neg. Amort Potential? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 4/XX/2003 Tape Value: 6/XX/2003 Variance: -63 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: 19.59459% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 100.000% Tape Value: 119.590% Variance: -19.590% Variance %: -19.59000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 100.000% Tape Value: 119.590% Variance: -19.590% Variance %: -19.59000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated P&I Loan Value: $1237.61 Tape Value: $475.14 Variance: $762.47 Variance %: 160.47270% Comment: Tape Source: Initial Tape Type: <br> Field: Original Stated Rate Loan Value: 7.50000% Tape Value: 3.89000% Variance: 3.61000% Variance %: 3.61000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Maturity Date Loan Value: 7/XX/2033 Tape Value: 12/XX/2054 Variance: -7823 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Stated Remaining Term Loan Value: 111 Tape Value: 368 Variance: -257 Variance %: -69.83695% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $8,735.00 and allowed is $8,539.98, however it is over charged by $195.02.<br>Affirmative claims can be made within 5 years of the closing and that the Note date is 06/XX/2003. SOL has been expired.<br>Fees Included-<br> Loan Origination Fee paid by Borrower: $3,982.50<br> Yield Spread Premium (Indirect / POC) $885.00<br> Application Fee paid by Borrower: $350.00<br> Processing Fee paid by Borrower: $500.00<br> Underwriting Fee paid by Borrower: $666.00<br> Wire Transfer Fee paid by Borrower: $6.50<br> Attorney's Fee paid by Borrower: $450.00<br> Title Courier Fee paid by Borrower: $110.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $15.00<br> Max Prepayment Penalty Amount $1,770.00<br>This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1))<br>This loan failed the high-cost home loan DTI presumption test as the debt-to-income ratio of the borrower was not provided."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA foreclosure rescission finance charge test. <br> The finance charge is $274,739.36. The disclosed finance charge of $274,673.04 is not considered accurate for purposes of rescission because it is understated by more than $35<br> The loan data $274,673.04 and comparison data $274,739.36 ; The variance -$66.32"<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated business disclosure is missing from the loan file." |  | Significant | Pass | Fail | No Result | Fail | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 116 | XX | XX | XX | XX |  | XX | XX | XX | XX | XX | XX | XX | XX | West Virginia | XX | XX | XX | West Virginia | XX | XX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $769.69 | 11.550% | 360 |  | XX | XX |  | Conventional | ARM |  | Cash Out | 95.000% | 95.000% | No Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable |  |  | Unavailable | First | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Loan Program Info Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | Field: Amortized Remaining Term Loan Value: 86 Tape Value: 70 \|---\| 16 \|----\| 22.85714% Comment: Tape Source: Initial Tape Type: <br> Field: Loan Amortization Type Loan Value: ARM Tape Value: Fixed Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: 95.000% Tape Value: 96.780% Variance: -1.780% Variance %: -1.78000% Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 95.000% Tape Value: 96.780% Variance: -1.780% Variance %: -1.78000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: Route XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final Application is missing from the loan file."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TILA Finance Charge Test is fail. Loan data is $197,049.84 and comparison data is $204,072.48. Hence, the variance is -$7,022.64.<br>TILA Foreclosure Rescission Finance Charge Test is fail. Loan data is $197,049.84 and comparison data is $204,072.48. Hence, the variance is -$7,022.64.<br>TILA APR Test is fail Loan data is 12.030% and comparison data is 12.332%. Hence, the variance is -0.302%."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report at origination is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of servicing transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by the borrower." |  | Moderate | Pass | Fail | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:<br> Date:<br> Type: |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |
| 98 | XX | XX | XX | XX |  | XX | XX | XX | XX | Not Applicable | Not Applicable | XX | XX | North Carolina | XX | XX | XX | North Carolina | XX | XX | No |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  | XX | Not Applicable | $830.72 | 12.740% | 360 |  | XX | XX |  | Conventional | ARM |  | Purchase | 90.000% | Unavailable | Full Documentation | Not Applicable | XX | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | XX | XX | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 33.537% | First | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Collections Comments:<br> Foreclosure Comments:<br> Bankruptcy Comments: | Not Applicable | Title Evidence | Field: Amortized Remaining Term Loan Value: 76 Tape Value: 77 \|---\| -1 \|----\| -1.29870% Comment: Tape Source: Initial Tape Type: <br> Field: Any Borrowers Foreign National Indicator Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: ARM Interest Rate Rounding Factor Loan Value: Round nearest 1/8 Tape Value: Round nearest 1/4 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Borrower #2 Last Name Loan Value: Not Applicable Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Interest Only Expiration Date Loan Value: Not Applicable Tape Value: 9/XX/2002 Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Mtg Insurance Doc Status MI Cert in File? Loan Value: Not Applicable Tape Value: No Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraisal Date Loan Value: 6/XX/2000 Tape Value: 7/XX/2000 Variance: -31 (Days) Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Appraised Value Loan Value: $XX Tape Value: $XX Variance: $XX Variance %: -19.04761% Comment: Tape Source: Initial Tape Type: <br> Field: Original CLTV Ratio Percent Loan Value: Unavailable Tape Value: 72.860% Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Original Standard LTV (OLTV) Loan Value: 90.000% Tape Value: 72.860% Variance: 17.140% Variance %: 17.14000% Comment: Tape Source: Initial Tape Type: <br> Field: Property Address Street Loan Value: XX Tape Value: XX Variance: Variance %: Comment: Tape Source: Initial Tape Type: <br> Field: Rate Adjustment Subsequent Cap Percent Loan Value: 1.500% Tape Value: 3.000% Variance: -1.500% Variance %: -1.50000% Comment: Tape Source: Initial Tape Type: | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The CE risk indicator is moderate as the loan is failed for.<br> Bona Fide Discount Points Test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the bona fide discount points test due to one of the following findings:<br> The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.<br> The discount points are marked as bona fide but an undiscounted rate value was not provided."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds." | \* Missing Title evidence (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "Title Policy is missing from loan file." | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type: | Value:Not Applicable<br> Date:Not Applicable<br> Type: |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | Not Applicable |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Scienna ID** | **Loan Number 1** | **Loan Number 2** | **Borrower Last Name** | **Exception ID** | **Client** | **Project** | **Pool** | **Fund** | **Loan Review Status** | **Property State** | **Original Loan Amount** | **Finding Category** | **Finding Sub-Category** | **FindingStatus** | **Finding Grade** | **Finding Description** | **Finding Comment** | **Lender Response** | **Lender Status** |
| 37 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Colorado | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 37 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Colorado | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 37 | XX | XX | XX | XX | 04676c2d-9111-4e5e-859e-db974cdb7b7a | XX | XX | XX | Pre-QM | QC Complete | Colorado | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 37 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Colorado | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan is failed for <br> TILA APR Test:<br> The loan data 0.000% and comparison data is 7.320%. Hence, the variance is -7.320%. |  |  |
| 37 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Colorado | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The ComplianceEase risk indicator is "Moderate", due to<br> TILA APR Test: |  |  |
| 37 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Colorado | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 37 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Colorado | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 37 | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | Colorado | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 37 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Colorado | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final loan application /1003 is missing from the loan file. |  |  |
| 58 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed the predatory lending guidance test due to one or more of the following findings:<br> The loan failed the allowable points and fees test.<br> The loan exceeds the HOEPA APR threshold for primary residences.<br> The loan exceeds the HOEPA points and fees threshold for primary residences.<br>This loan failed the points and fees test (Fannie Mae Lender Letter Ann. 06-04)<br> The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000.<br>This loan failed the points and fees test. (Freddie Mac Industry Letter 02/XX/2009)<br> The points and fees charged to the borrower exceed 5% of the mortgage amount, or $1,000 for mortgage amounts of $20,000 or less.<br> Note, no more than two "Bona Fide - GSE" discount points are excluded from the calculation of the points and fees for purposes of this test. |  |  |
| 58 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal document is missing from loan file. |  |  |
| 58 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 58 | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL is not signed by the borrowers. |  |  |
| 58 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Application document is missing from loan file. |  |  |
| 58 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | The Appraisal document is missing. As per tape data Appraisal value of subject property is $XX and loan amount is $XX which is more than appraisal value. So, CLTV shows more than 100%. |  |  |
| 58 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrowers. |  |  |
| 58 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure document is missing from loan file. |  |  |
| 58 | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | Right of Rescission document is missing from loan. |  |  |
| 54 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 54 | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL is not signed by the borrower. |  |  |
| 54 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan file. |  |  |
| 54 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 54 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by borrower. |  |  |
| 54 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the<br> property is located.<br> Prepayment Term Test is fail. Loan data is 30Months and comparison data is 0Months. Hence, the variance is 30Months.<br>This loan failed the bona fide discount points test as the loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount<br> points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| Dropped | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL is not hand dated by borrower. |  |  |
| Dropped | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| Dropped | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.<br> The finance charge is $167,031.65. The disclosed finance charge of $125,817.53 is not considered accurate because it is understated by more than $100.<br> The loan data is $125,817.53 and comparison data is $167,031.65; the variance is -$41,214.12<br>This loan failed the TILA foreclosure rescission finance charge test. <br> The finance charge is $167,031.65. The disclosed finance charge of $125,817.53 is not considered accurate for purposes of rescission because it is understated by more than $35.<br> The loan data is $125,817.53 and comparison data is $167,031.65; the variance is -$41,214.12.<br>This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 10.367%. The disclosed APR of 8.821% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is 8.821% and comparison data is 10.367%; the variance is -1.546%. |  |  |
| Dropped | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is moderate<br> This loan failed the TILA finance charge test<br> This loan failed the TILA foreclosure rescission finance charge test.<br> This loan failed the TILA APR test. |  |  |
| Dropped | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report form is missing from the loan |  |  |
| Dropped | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Application form is missing from the loan file. |  |  |
| Dropped | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. |  |  |
| Dropped | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| Dropped | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | The TIL is not signed by borrower. |  |  |
| Dropped | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | Right of Rescission is missing from the loan files |  |  |
| 85 | XX | XX | XX | XX | c7478320-5532-4499-9e75-67c2535004af | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | Final CD reflects closing date as 11/XX/1998. Notary's signature date on the Mortgage/Deed of Trust is 11/XX/1998. Note date is 11/XX/1998. |  |  |
| 85 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds." |  |  |
| 95 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer is missing from loan file. |  |  |
| 95 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value unable to confirm as supporting documents are missing from the loan file. |  |  |
| 95 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure is missing from loan file. |  |  |
| 95 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program disclosure is missing from the loan file. |  |  |
| 95 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 110 | XX | XX | XX | XX | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Valuation | Property | Active | 1: Acceptable | \* Property is Manufactured Housing (Lvl 1) | The Property type is Manufactured Housing. |  |  |
| 110 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing NC SB 1149 High Cost Home Loan Points and Fees Test. Total fees charged to the borrower is $4,639.00 and allowed is $3,807.70, however it is over charged by +$831.30.<br> Affirmative claims can be made within 2 years (4 Years under Chapter 75) of the closing and that the note date is 1/XX/2001. SOL has been expired.<br> Fees included-<br> Loan Origination Fee paid by Borrower: $560.00<br> Credit Report Fee paid by Borrower: $9.00<br> Mortgage Broker Fee (Direct) paid by Borrower: $XX<br> Courier / Messenger Fee paid by Borrower: $10.00<br> Attorney's Fee paid by Borrower: $440.00<br> Max Prepayment Penalty Amount $800.00<br>This loan failed the high-cost home loan financing of points and fees test. (NC SB 1149 [G.S. § 24-1.1E(c)(3)b,c])<br> The loan finances any points and fees or any other charges payable to third parties. |  |  |
| 110 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the<br> property is located.<br>This loan failed the bona fide discount points test as the loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount<br> points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| 110 | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 139 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Arizona | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed the prepayment penalty term test due to the loan charges a prepayment penalty with a term exceeding 3 years. |  |  |
| 139 | XX | XX | XX | XX | 399d40af-a75c-4340-9c3c-97eadb98a8dc | XX | XX | XX | Pre-QM | QC Complete | Arizona | XX | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case and final HUD-1 reflects cash to in the amount of $29.01. |  |  |
| 139 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Arizona | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The final appraisal report is missing from the loan files. |  |  |
| 160 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 160 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | The final TIL is not hand dated by the borrower. |  |  |
| 160 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $3,057.06 and allowed is $2,813.74, however it is over charged by $243.32.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 12/XX/2003. SOL has been expired.<br> Fees Included-<br> 801 Loan Origination Fee paid by Borrower: $1,035.06<br> Mortgage Insurance Application Fee paid by Borrower: $6.50<br> Mortgage Broker Fee (Direct) paid by Borrower: $XX<br> Yield Spread Premium (Indirect / POC) $292.50<br> Commitment Fee paid by Borrower: $595.00<br> Processing Fee paid by Borrower: $80.00<br> Flood Determination - Life of Loan Fee paid by Borrower: $25.00<br> Courier / Messenger Fee paid by Borrower: $80.00<br> Attorney's Fee paid by Borrower: $350.00<br> Max Prepayment Penalty Amount $585.00.<br>This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1)). |  |  |
| 160 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | The ROR document is not hand-dated by the borrower. |  |  |
| 160 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file |  |  |
| 166 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Oklahoma | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index unable to determine as supporting document are missing from the loan file. |  |  |
| 166 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Oklahoma | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 166 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Oklahoma | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer is missing from the loan file . |  |  |
| 166 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Oklahoma | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from loan file. |  |  |
| 166 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Oklahoma | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to Calculated APR of 7.360% exceeds Disclosed APR of 0.000% over by 7.360%. Final TIL is missing from the loan documents. |  |  |
| 166 | XX | XX | XX | XX | 04676c2d-9111-4e5e-859e-db974cdb7b7a | XX | XX | XX | Pre-QM | QC Complete | Oklahoma | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan file. |  |  |
| 167 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Florida | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed the prepayment penalty term test due to the loan charges a prepayment penalty with a term exceeding 3 years. |  |  |
| 167 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Florida | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan files. |  |  |
| 172 | XX | XX | XX | XX | c7478320-5532-4499-9e75-67c2535004af | XX | XX | XX | Pre-QM | QC Complete | California | XX | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | As per the closing statement the settlement date is 8/XX/2004 and the note date is 7/XX/2004. The subject property is in CA. |  |  |
| 172 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | California | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | An Appraisal report is missing from the loan file. |  |  |
| 194 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | California | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure Missing from loan Files. |  |  |
| 194 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | California | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer missing from loan files. |  |  |
| 194 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | California | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Missing Of Appraisal. |  |  |
| 194 | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | California | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | Right of Rescission missing from loan files. |  |  |
| 196 | XX | XX | XX | XX | 399d40af-a75c-4340-9c3c-97eadb98a8dc | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case and final HUD-1 reflects cash to in the amount of $XX. |  |  |
| 196 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index Value is unable to confirm as supporting documents are missing from the loan file. |  |  |
| 205 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value at the time of origination is missing from the loan file. |  |  |
| 205 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009. |  |  |
| 205 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. |  |  |
| 205 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 205 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 275 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is moderate as the loan is failed for.<br> This loan failed the Vermont high rate loan test.<br> This loan is a Vermont high rate loan, as defined in the legislation. |  |  |
| 275 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 275 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan did not pass the prohibited fees test.<br> The Vermont statutes provide that only those fees expressly permitted may be charged.<br> The loan data is $4,415.00 and comparison data is $0.00 hence, the variance is +$4,415.00 |  |  |
| 283 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 283 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The compliance risk indicator is Significant as the loan is failing OH PLA Covered Loan Points and Fees Threshold Test. Total fees charged is $10,638.95 and allowed is $5,975.95 however over charged by +$4,663.00. Affirmative claims can be made within 3 years of origination and the Note date is 02/XX/2007. SOL has been expired.<br> Fees included-<br> Mortgage Broker Fee (Direct) paid by Borrower: $XX<br> Processing Fee paid by Borrower: $760.00<br> Underwriting Fee paid by Borrower: $749.00<br> Flood Determination - Life of Loan Fee paid by Borrower: $7.00<br> Tax Related Service Fee paid by Borrower: $50.00<br> Wire Transfer Fee paid by Borrower: $4.95<br> Settlement / Closing / Escrow Fee paid by Borrower: $125.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $80.00<br> Max Prepayment Penalty / Termination Fee $4,158.00<br>This loan failed the prepayment penalty test. (OH HB 386 Section 1, § 1349.27 (A)(1))<br> The covered loan includes a prepayment penalty. |  |  |
| 223 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 223 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the Disclosed APR High-Cost Threshold Exception Test due to APR calculated 12.820% exceeds APR threshold of 12.530% over by +0.290%. |  |  |
| 223 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 223 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to the loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000. |  |  |
| 71 | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL is not signed by borrower. |  |  |
| 71 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | Collateral Value used for Underwriting: $XX Amount of Secondary Lien(s): $00.00 Loan Amount: $XXCLTV = 115.922%. |  |  |
| 71 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 71 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Application is missing from the loan file. |  |  |
| 71 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by borrower. |  |  |
| 71 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing. |  |  |
| 127 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Connecticut | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure document is missing from the loan file. |  |  |
| 127 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | Connecticut | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by borrower. |  |  |
| 127 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Connecticut | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure document is missing from loan file. |  |  |
| 127 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Connecticut | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 127 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | Connecticut | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the first lien prepaid finance charge test.<br> The loan has prepaid finance charges that exceed the greater of 5% of the principal amount of the loan or $2,000.<br>The loan data is $7,356.85 and comparison data is $7,125.00; the variance is +$231.85.<br>Fees included-<br> Loan Origination Fee paid by Borrower: $5,343.75<br> Underwriting Fee paid by Borrower: $345.00<br> Document Preparation Fee paid by Borrower: $345.00<br> Interest paid by Borrower: $233.10<br> Settlement / Closing / Escrow Fee paid by Borrower: $650.00<br> Title Courier Fee paid by Borrower: $40.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $400.00 |  |  |
| 127 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Connecticut | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Connecticut license validation test. <br> First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and after July 1st, 2008, to be a mortgage lender license.<br> As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008. |  |  |
| 77 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Utah | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.<br> The finance charge is $243,378.05. The disclosed finance charge of $187,156.37 is not considered accurate because it is understated by more than $100.<br> The loan data is $187,156.37 and comparison data is $243,378.05, the variance is -$56,221.68 <br> This loan failed the TILA foreclosure rescission finance charge test. <br> The finance charge is $243,378.05. The disclosed finance charge of $187,156.37 is not considered accurate for purposes of rescission because it is understated by more than $35.<br> The loan data is $187,156.37 and comparison data is $243,378.05, the variance is -$56,221.68 <br> This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 9.719%. The disclosed APR of 8.283% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is 8.283% and comparison data is 9.719%, the variance is -1.436% |  |  |
| 77 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Utah | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan files. |  |  |
| 77 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Utah | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL is not hand dated by borrowers. |  |  |
| 77 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Utah | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliate business disclosure is missing from the loan files. |  |  |
| 77 | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | Utah | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | TIL is not signed by borrowers. |  |  |
| 76 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 76 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds |  |  |
| 76 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final 1003 is missing from the loan files |  |  |
| 76 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by the borrower. |  |  |
| 70 | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL is not signed by the borrower. |  |  |
| 70 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 70 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located.<br> The loan data is 11.852% and comparison data is 8.250%; the variance is +3.602%<br>This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.<br> The loan data is 60 Months and comparison data is 0 Months; the variance is 60 Months |  |  |
| 70 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct. Disclosure is missing. |  |  |
| 70 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | 1003 is missing from the loan file. |  |  |
| 70 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | Collateral Value used for Underwriting: $XX Amount of Secondary Lien(s): $00.00 Loan Amount: $XX CLTV = 107.815%.) |  |  |
| 70 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 63 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | Oklahoma | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | Collateral Value used for Underwriting: $XX Amount of Secondary Lien(s): $00.00 Loan Amount: $XX CLTV = 107.526%. |  |  |
| 63 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Oklahoma | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. |  |  |
| 63 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Oklahoma | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL is not hand dated by the borrower. |  |  |
| 63 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Oklahoma | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA Finance Charge test due to Calculated Finance charge of $307,865.48 exceeds disclosed finance charge of $308,257.29 over by -$391.81. <br>Loan failed TILA Foreclosure Rescission Finance charge of $307,865.48 exceeds disclosed finance charge of $308,257.29 for an under disclosed amount of -$391.81. |  |  |
| 63 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Oklahoma | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final 1003 is missing from the loan file. |  |  |
| 63 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Oklahoma | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 61 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the<br> property is located. |  |  |
| 61 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. |  |  |
| 61 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from loan file. |  |  |
| 61 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the interest rate test. |  |  |
| 61 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | The appraised value per tape is $XXand the loan amount is $XX. The LTV is calculated as 111.769% which is exceeding 104%. |  |  |
| 61 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL is not hand dated by borrower. |  |  |
| 61 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 61 | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from loan file. |  |  |
| 61 | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | The TIL is not signed by borrower. |  |  |
| 61 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | 1003 is missing from the loan file. |  |  |
| Dropped | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL is not signed by borrowers. |  |  |
| Dropped | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct. Disclosure missing from loan file. |  |  |
| Dropped | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| Dropped | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrowers. |  |  |
| Dropped | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report at the time of origination is missing from the loan file. |  |  |
| Dropped | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| Dropped | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final 1003 is missing from loan file. |  |  |
| 56 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by all borrowers. |  |  |
| 56 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from loan file. |  |  |
| 56 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.<br> The finance charge is $87,943.29. The disclosed finance charge of $70,083.87 is not considered accurate because it is understated by more than $100.<br> The loan data is $70,083.87 and comparison data is $87,843.29; the variance is -$17,759.42.<br>This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 9.209%. The disclosed APR of 7.939% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is $7.939% and comparison data is 9.209%; the variance is -1.270%. |  |  |
| 56 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure document is missing from loan file. |  |  |
| 56 | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL is not signed by all borrowers. |  |  |
| 56 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final 1003 is missing from loan file. |  |  |
| 55 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the Vermont high rate loan test. This loan is a Vermont high rate loan, as defined in the legislation. For more information please see the Vermont High Rate Loan<br> section of the full ComplianceAnalyzer report. |  |  |
| 55 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 55 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | 1003 is missing from the loan file. |  |  |
| 55 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to Calculated APR of 6.997% exceeds Disclosed APR of 0.000% over by 11.955%. Final TIL is missing from the loan documents. |  |  |
| 55 | XX | XX | XX | XX | 04676c2d-9111-4e5e-859e-db974cdb7b7a | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 55 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | Collateral value used for underwriting is $XX. Amount of secondary lien is $000. Loan amount is $XX. LTV is 112.341% and CLTV is 112.341%. |  |  |
| 55 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 55 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | RTC is not hand dated by borrower. |  |  |
| 55 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the Vermont Mortgage Lender License Prohibited Fees Test. The following fees were included in the test:<br> Loan Origination Fee paid by Borrower: $5,131.19 |  |  |
| 55 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. |  |  |
| 53 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL is not hand dated by borrower. |  |  |
| 53 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 53 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 53 | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | The TIL is not signed by borrower. |  |  |
| 53 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from loan files. |  |  |
| 50 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by borrower. |  |  |
| 50 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 50 | XX | XX | XX | XX | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per document the property type is manufactured Housing. |  |  |
| 50 | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | TIL is not signed by the borrower. |  |  |
| 50 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan file. |  |  |
| 50 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL is not hand dated by the borrower. |  |  |
| 50 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Indiana license validation test.<br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009. |  |  |
| 50 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 49 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from loan file. |  |  |
| 49 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by all borrowers. |  |  |
| 49 | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL is not signed by all borrowers. |  |  |
| 49 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure document is missing from loan file. |  |  |
| 49 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | As per Appraisal report property value is $XX and the loan amount is $XX which is more than appraisal value. So, CLTV shows more than 104%. |  |  |
| 49 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final 1003 is missing from loan file. |  |  |
| 49 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 47 | XX | XX | XX | XX | c23a2eb9-a8db-4d55-a62b-42585231fc2c | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Date after actual transaction date (Lvl 2) | Final TIL date 5/XX/2001 after actual transaction date. |  |  |
| 47 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Application missing from loan file. |  |  |
| 47 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The CE risk indicator is Elevated as the loan is failing for<br>This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 47 | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL is not signed by all borrowers. |  |  |
| 47 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure document is missing from loan file. |  |  |
| 47 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by all borrowers. |  |  |
| 47 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from loan file. |  |  |
| 43 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Florida | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Application document is missing from loan file. |  |  |
| 43 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Florida | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 43 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | Florida | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | As per Appraisal report value is $XX and the loan amount is of $XX. which is more than appraisal value. So, CLTV shows more than 104%. |  |  |
| 43 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Florida | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer document is missing from loan file. |  |  |
| 43 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Florida | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure document is missing from loan file. |  |  |
| 43 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Florida | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by borrower. |  |  |
| 43 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Florida | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from loan file. |  |  |
| 43 | XX | XX | XX | XX | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | XX | XX | XX | Pre-QM | QC Complete | Florida | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL is not signed by borrower. |  |  |
| 36 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from loan file. |  |  |
| 36 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value at the time of origination is missing from the loan file. |  |  |
| 36 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL is not hand dated by the borrower. |  |  |
| 36 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Pennsylvania | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer Document is missing from the loan file. |  |  |
| 32 | XX | XX | XX | XX | 140f46bf-c52f-473f-8d76-08a0744ba53f | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per Application report, DTI is 84% as income is $2935.49 and total expenses are $2471.33. |  |  |
| 32 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure document is missing from loan file. |  |  |
| 32 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by all borrowers. |  |  |
| 32 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | Final TIL is not hand dated by all borrowers. |  |  |
| 32 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the Vermont high rate loan test.<br> This loan is a Vermont high rate loan, as defined in the legislation. For more information please see the Vermont High Rate Loan section of the full ComplianceAnalyzer report.<br> While the Vermont High Rate provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy high right loans even if the additional conditions are met.<br>This loan did not pass the prohibited fees test.<br> The Vermont statutes provide that only those fees expressly permitted may be charged.<br> The loan data is $3,422.00 and comparison data is $0.00; the variance is +$3,422.00. |  |  |
| 32 | XX | XX | XX | XX | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | XX | XX | XX | Pre-QM | QC Complete | Vermont | XX | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per Appraisal report property is Manufactured Housing. |  |  |
| 29 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Massachusetts | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 29 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Massachusetts | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. |  |  |
| 29 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | Massachusetts | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by borrower. |  |  |
| 29 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | Massachusetts | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test.<br> The loan data is 5.000% and comparison data is 3.000%; hence, the variance is +2.000%<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. |  |  |
| 29 | XX | XX | XX | XX | 140f46bf-c52f-473f-8d76-08a0744ba53f | XX | XX | XX | Pre-QM | QC Complete | Massachusetts | XX | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per 1003 dated 04/XX/2006, the total monthly income is in the amount of $2,600.00 and the total monthly expenses are in the amount of $905.98<br> The DTI is calculated as 100.808% which is exceeding 60% DTI limit |  |  |
| 29 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Massachusetts | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 29 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Massachusetts | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 28 | XX | XX | XX | XX | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | XX | XX | XX | Pre-QM | QC Complete | Maine | XX | Valuation | Property | Active | 1: Acceptable | \* Property is Manufactured Housing (Lvl 1) | Home is not affixed. According to the appraisal report dated 5/XX/2004 subject property is "Manufactured Home". Neither Alta-7 endorsement is attached with final title policy nor the VIN# is mentioned on the legal description of the subject mortgage. Affidavit of affixation is missing from the loan file. Hence, unable to confirm whether the home is attached to the land or not. |  |  |
| 28 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Maine | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value at the time of origination is missing from the loan file. |  |  |
| 28 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Maine | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | ComplianceEase Risk Indicator Is Elevated.<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 28 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Maine | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | The final TIL is not hand dated by the borrower. |  |  |
| 28 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | Maine | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | The ROR is not hand-dated by the borrower. |  |  |
| 28 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Maine | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| 27 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final 1003 is missing from the loan file. |  |  |
| 27 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. |  |  |
| 27 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located.<br> Loan data shows 5% and comparison data shows 2.00% the variance is +3.00%. |  |  |
| 27 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 27 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer Document is missing from the loan file. |  |  |
| 27 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL is not hand dated by all the borrowers. |  |  |
| 27 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report at origination is missing from the loan file. |  |  |
| 27 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from loan file. |  |  |
| 27 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 26 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The CE risk indicator is Elevated as the loan is failing for<br>This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 26 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure missing from loan files. |  |  |
| 26 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to determine operative index value. |  |  |
| 26 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer document is missing from loan file. |  |  |
| 26 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 26 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 26 | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 26 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 26 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Application document is missing from loan file. |  |  |
| 25 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Maryland | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| 25 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Maryland | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The final 1003 is missing from the loan file. The values are taken as located at "XX". |  |  |
| 25 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Maryland | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | This loan failed the documentation type test the document type of the loan is "No Asset Verification," "No Asset or Income Verification," "No Documentation," "No<br> Income Verification," "Reduced," or "Streamline Refinance. |  |  |
| 24 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 24 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| 24 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The final 1003 is missing from the loan file. The values are taken as the note date and loan amount. |  |  |
| 22 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 22 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure missing from loan files. |  |  |
| 22 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | 1003 is missing from loan files values taken from "XX". |  |  |
| 22 | XX | XX | XX | XX | 140f46bf-c52f-473f-8d76-08a0744ba53f | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per 1003 the total monthly income is in the amount of $2,696.00 and the total monthly expenses are in the amount of $1187.09<br> The DTI is calculated as 75.782% which is exceeding 60% DTI limit. |  |  |
| 22 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed the NY subprime home loan test.<br> Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.<br> While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain<br> conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the<br> additional conditions are met.<br>The loan data is 9.742% and comparison data is 8.290% hence, the variance is +1.452% |  |  |
| 19 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 19 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan file. The Exterior only Appraisal report located at"XX1" |  |  |
| 19 | XX | XX | XX | XX | 151458ae-c27c-4260-aba8-011b4109fad0 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Credit | Credit | Active | 2: Acceptable with Warnings | \* Mortgage Not Recorded (Lvl 2) | The loan was originated on 10/XX/2008. The recorded copy of mortgage is missing from the loan file. Unrecorded copy is located at "XX. |  |  |
| 19 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final 1003 is missing from the loan file. |  |  |
| 19 | XX | XX | XX | XX | a473996e-5530-49ec-9a8c-484a8d80be39 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage not properly executed (Lvl 2) | The Subject Mortgage Was not Executed Properly. The Unexecuted copy is located at"XX6". |  |  |
| 19 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan file. |  |  |
| 16 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure missing from loan files. |  |  |
| 16 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | 1003 is missing from loan files. |  |  |
| 16 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Compliance Ease Risk indicator is elevated as this loan fail GSE Predatory Lending Guidance. |  |  |
| 16 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 16 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | The appraised value per tape is $XX, and the loan amount is $XX.LTV is calculated as 105.435% which is exceeding 100%. |  |  |
| 14 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | New Mexico | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 14 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | New Mexico | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The CE risk indicator is elevated as the loan is failed for<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 14 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | New Mexico | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The final 1003 is missing from the loan file. The values are taken as the note date and loan amount. |  |  |
| 14 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | New Mexico | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| 10 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Rhode Island | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is Moderate as the loan is failing for<br> This loan failed the TILA finance charge test.<br> This loan failed the TILA foreclosure rescission finance charge test.<br> This loan failed the TILA APR test. |  |  |
| 10 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Rhode Island | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Application document is missing from loan file. |  |  |
| 10 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Rhode Island | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure missing from loan files. |  |  |
| 10 | XX | XX | XX | XX | 5b7706a0-5e0e-433e-94be-b0b0fbcc0702 | XX | XX | XX | Pre-QM | QC Complete | Rhode Island | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing required 1-4 family rider (Lvl 2) | As per Appraisal occupancy is 2-Family hence required 1-4 family rider is missing. |  |  |
| 10 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Rhode Island | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.<br> The finance charge is $318,643.51. The disclosed finance charge of $250,603.70 is not considered accurate because it is understated by more than $100.<br>The loan data is $250,603.70 and comparison data is $318,543.51; the variance is -$67,939.81.<br>This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $318,643.51. The disclosed finance charge of $250,603.70 is not considered accurate for purposes of rescission because it is understated by more than $35.<br>The loan data is $250,603.70 and comparison data is $318,643.51; the variance is -$68,039.81.<br>This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 8.212%. The disclosed APR of 7.030% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br>The loan data is 7.030% and comparison data is 8.212%; the variance is -1.182%. |  |  |
| 10 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Rhode Island | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure document is missing from loan file. |  |  |
| 6 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is Moderate as the loan is failing for<br> This loan failed the TILA finance charge test.<br> This loan failed the TILA foreclosure rescission finance charge test.<br> This loan failed the TILA APR test. |  |  |
| 6 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure missing from loan file. |  |  |
| 6 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure document is missing from loan file. |  |  |
| 6 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.<br> The finance charge is $168,967.65. The disclosed finance charge of $125,425.69 is not considered accurate because it is understated by more than $100.<br> The loan data is $125,425.69 and comparison data is $168,867.65; the variance is -$43,441.96.<br>This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $168,967.65. The disclosed finance charge of $125,425.69 is not considered accurate for purposes of rescission because it is understated by more than $35.<br> The loan data is $125,425.69 and comparison data is $168,967.65; the variance is -$43,541.96.<br>This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 10.240%. The disclosed APR of 8.570% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is 8.570% and comparison data is 10.240%; the variance is -1.670%. |  |  |
| 6 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Application document is missing from loan file. |  |  |
| 4 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan file. |  |  |
| 4 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The CE risk indicator is elevated as the loan is failed for<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 4 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | The uniform appraisal report is missing from the loan file. The values are updated as per the tape data, and the appraisal value is $XX and the loan amount is $XX; therefore, LTV / CLTV show 175.440%, which exceeds 104%. |  |  |
| 4 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 4 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| 4 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The final 1003 is missing from the loan file. The values are taken as the note date and loan amount. |  |  |
| 285 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure is missing from loan file. |  |  |
| 285 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $255,390.98. The disclosed finance charge of $255,321.67 is not considered accurate for purposes of rescission because it is understated by more than $35.<br>The loan data is $255,321.67 and comparison data is $255,390.98; the variance is -$69.31. |  |  |
| 285 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The compliance risk indicator is Significant as the loan is failing OH PLA Covered Loan Points and Fees Threshold Test. Total fees charged is $12,552.95 and allowed is $5,351.20 however over charged by +$7,201.75. Borrower has been charged with loan discount fee of $1,150.00; however bonafide disclosure is missing to confirm the points are bonafide. Affirmative claims can be made within 3 years of origination and the Note date is 03/XX/2007. SOL has been expired.<br> Fees included-<br> Loan Discount Fee paid by Borrower: $1,150.00<br> Mortgage Broker Fee (Direct) paid by Borrower: $XX<br> Processing Fee paid by Borrower: $765.00<br> Underwriting Fee paid by Borrower: $749.00<br> Flood Determination - Life of Loan Fee paid by Borrower: $7.00<br> Tax Related Service Fee paid by Borrower: $50.00<br> Settlement / Closing / Escrow Fee paid by Borrower: $150.00<br> Title Courier Fee paid by Borrower: $150.00<br> Recording Service Fee paid by Borrower: $4.95<br> Max Prepayment Penalty / Termination Fee $4,577.00<br>This loan failed the prepayment penalty test. (OH HB 386 Section 1, § 1349.27 (A)(1))<br> The covered loan includes a prepayment penalty. |  |  |
| 285 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure document is missing from loan file. |  |  |
| 279 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure missing from loan files. |  |  |
| 279 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| Dropped | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test.<br> Closed-end <br> The funding date is before the third business day following consummation.<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. |  |  |
| Dropped | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report at the time of origination is missing from the loan file. |  |  |
| 267 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan file. |  |  |
| 267 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | Right of Rescission not hand dated by borrower |  |  |
| 267 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure Missing or Unexecuted |  |  |
| 267 | XX | XX | XX | XX | 140f46bf-c52f-473f-8d76-08a0744ba53f | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | The borrower DTI is 62.515% which exceeds 60%. |  |  |
| 264 | XX | XX | XX | XX | ff7a8c7e-a02d-4c18-abd5-a20a8434af89 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Credit | Doc Issue | Active | 1: Acceptable | \* Missing Title evidence (Lvl 1) | Final title policy at the time of origination along with commitment and preliminary report is missing from the loan file. |  |  |
| 264 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending<br> License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009. |  |  |
| 264 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 264 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. |  |  |
| 263 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $13,694.95 and allowed is $6,792.82, however it is over charged by +$6,902.13.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 07/XX/2006. SOL has been expired.<br>Fees Included-<br> Mortgage Broker Fee (Direct) paid by Borrower: $XX<br> Yield Spread Premium (Indirect / POC) $1,420.00<br> Processing Fee paid by Borrower: $699.00<br> Underwriting Fee paid by Borrower: $649.00<br> Wire Transfer Fee paid by Borrower: $3.95<br> Attorney's Fee paid by Borrower: $100.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $31.00<br> Max Prepayment Penalty Amount $6,532.00<br>This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1))<br> The loan is a "high-cost home loan" that provides for prepayment fees or penalties after the last day of the twenty-fourth month<br> following the loan closing. |  |  |
| 263 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 261 | XX | XX | XX | XX | 140f46bf-c52f-473f-8d76-08a0744ba53f | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per 1003 dated 4/XX/2006, the total monthly income is in the amount of $$7,354.55 and the total monthly expenses are in the amount of $4,981.31. The DTI is calculated as 67.639% which is exceeding 60% DTI limit. |  |  |
| 261 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.<br> The finance charge is $292,406.74. The disclosed finance charge of $288,048.72 is not considered accurate because it is understated by more than $100.<br> The loan data is $288,048.72 and comparison data is $292,406.74; the variance is -$4,358.02<br>This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $292,406.74. The disclosed finance charge of $288,048.72 is not considered accurate for purposes of rescission because it is understated by more than $35.<br> The loan data is $288,048.72 and comparison data is $292,406.74; the variance is -$4,358.02<br>This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 10.625%. The disclosed APR of 10.493% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is 10.493% and comparison data is 10.625%; the variance is -0.132% |  |  |
| 261 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | This loan is failing IL HRHLA High Risk Home Loan APR Threshold Test. <br> APR charged is 10.625% and allowed is 10.590% however it is over by +0.035%.<br> Any affirmative claims can be made within 5 years of closing and that the Note date is 04/XX/2006. SOL for affirmative claims has been expired; however borrower may bring defensive claims at any time during the loan term after an action to foreclose on collateral.<br>This loan failed the DTI presumption test as the debt-to-income ratio of the consumer was not provided. |  |  |
| 260 | XX | XX | XX | XX | 399d40af-a75c-4340-9c3c-97eadb98a8dc | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The loan is purchase loan and as per HUD 1 CAS TO BORROWER is $200.00. |  |  |
| 260 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | ComplianceEase risk indicator is Moderate as loan is failing for <br>This loan failed the Indiana license validation test.<br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009. |  |  |
| 260 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The loan was originated on 7/XX/2006 The final 1003 is missing from the loan file. The Initial copy is dated as 6/XX/2006 located at "XX" |  |  |
| 260 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 260 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is Moderate as loan is failing for <br>This loan failed the Indiana license validation test.<br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009. |  |  |
| 260 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 257 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the Indiana license validation test. |  |  |
| 257 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 257 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program Disclosure is missing from the loan file. |  |  |
| 257 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value at the time of origination is missing from the loan file. |  |  |
| 257 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009. |  |  |
| 257 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 254 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE failed due to IN License Validation Test. |  |  |
| 254 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 254 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer document is missing from the loan file. |  |  |
| 254 | XX | XX | XX | XX | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Credit | Credit | Active | 2: Acceptable with Warnings | \* LTV / CLTV > 100% (Lvl 2) | Appraisal report is missing from the loan file. The appraisal value per tape data is $XX and the loan amount is $XX The LTV is greater than 100%. |  |  |
| 254 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009. |  |  |
| 254 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 254 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value is unable to determine. |  |  |
| 254 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | Appraisal report is missing from the loan file. The appraisal value per tape data is $XX and the loan amount is $XX. The LTV is greater than 104%. |  |  |
| 254 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 251 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | The appraised value per tape is $XXand the loan amount is $XX. The LTV is calculated as 137.30% which exceeds 104%. |  |  |
| 251 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE result failed due to Late Fees Test. |  |  |
| 251 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer document is missing from the loan file. |  |  |
| 251 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 251 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.<br> The maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $30. However, if the Date Creditor Received Application Date is before June 12, 2015, then the maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $15.<br> Late Fees Test: FAIL loan data $41.06 comparison data $15.00 variance+$26.06. |  |  |
| 251 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 251 | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 250 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 250 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated business disclosure is missing from the loan file. |  |  |
| 249 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $7,832.95 and allowed is $6,994.75, however it is over charged by +$838.20.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 04/XX/2006. SOL has been expired.<br>Fees Included-<br> Mortgage Broker Fee (Direct) paid by Borrower: $XX<br> Yield Spread Premium (Indirect / POC) $735.00<br> Processing Fee paid by Borrower: $595.00<br> Underwriting Fee paid by Borrower: $649.00<br> Document Preparation Fee paid by Borrower: $3.95<br> Settlement / Closing / Escrow Fee paid by Borrower: $400.00<br> Title Courier Fee paid by Borrower: $155.00 |  |  |
| 249 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 249 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| 243 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 243 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 243 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $4,877.95 and allowed is $3,844.83, however it is over charged by +$1,033.12.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 04/XX/2006. SOL has been expired.<br>Fees Included-<br> Mortgage Broker Fee (Direct) paid by Borrower: $XX<br> Processing Fee paid by Borrower: $495.00<br> Underwriting Fee paid by Borrower: $649.00<br> Settlement / Closing / Escrow Fee paid by Borrower: $450.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $3.95 |  |  |
| 243 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan files |  |  |
| 242 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure missing from loan files. |  |  |
| 242 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value at the time of origination is missing from the loan file. |  |  |
| 242 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | 1003 missing from loan files values taken from initial application. |  |  |
| 242 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 242 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 241 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing. |  |  |
| 241 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure missing in loan file. |  |  |
| 240 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| 232 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Maryland | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 232 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Maryland | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan program disclosure is missing from the loan file. |  |  |
| 232 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Maryland | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 231 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the late fees test.<br> This loan failed the application fees test. |  |  |
| 231 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan files. |  |  |
| 231 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing from the loan files. |  |  |
| 231 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | Appraisal is missing. The Appraised value is $XX and the loan amount is $XX. The LTV is calculated as 116.379% which is exceeding 104%. |  |  |
| 231 | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The right of rescission is missing from the loan files. |  |  |
| 231 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located.<br> Late Fees Test: FAIL The loan data is $35.11, the comparison data is $15.00 and the variance is +$20.11<br> This loan failed the application fees test. (WVC § 31-17-8 (g))<br> The loan charges an application fee.<br> Application Fee Test: FAIL |  |  |
| 231 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan files. |  |  |
| 231 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The servicing transfer disclosure is missing from the loan files. |  |  |
| 228 | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | Kentucky | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | Right of rescission is missing from the loan files. |  |  |
| 228 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Kentucky | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value is unable to confirm. |  |  |
| 228 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Kentucky | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan files. |  |  |
| 222 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 222 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to determine operative index value. |  |  |
| 222 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $6,281.50 and allowed is $5,986.71, however it is over charged by +$294.79.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 11/XX/2005. SOL has been expired.<br>Fees Included-<br> Loan Origination Fee paid by Borrower: $3,680.00<br> Underwriting Fee paid by Borrower: $500.00<br> Courier / Messenger Fee paid by Borrower: $6.50<br> Wire Transfer Fee paid by Borrower: $375.00<br> Settlement / Closing / Escrow Fee paid by Borrower: $395.00<br> Title Courier Fee paid by Borrower: $75.00<br> Max Prepayment Penalty Amount $1,250.00 |  |  |
| 222 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure document is missing from loan file. |  |  |
| 222 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from loan file. |  |  |
| 222 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final Loan Application is not sign by all borrower. |  |  |
| Dropped | XX | XX | XX | XX | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from the loan file. |  |  |
| Dropped | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated Business Disclosure missing from loan files. |  |  |
| Dropped | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. <br> The annual percentage rate (APR) is 8.216%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> The loan data is 0.000% and comparison data is 8.216% hence, the variance is -8.216% |  |  |
| Dropped | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| Dropped | XX | XX | XX | XX | 140f46bf-c52f-473f-8d76-08a0744ba53f | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per 1003 dated 10/XX/2005, the total monthly income is in the amount of $5,437.43 and the total monthly expenses are in the amount of $6075.18<br> The DTI is calculated as 111.729% which is exceeding 60% DTI limit |  |  |
| Dropped | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | The ROR is not hand dated by borrower. |  |  |
| Dropped | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test. |  |  |
| 218 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure Missing or Unexecuted |  |  |
| 218 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to determine operative index value. |  |  |
| 210 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure Missing or Unexecuted |  |  |
| 210 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to determine operative index value. |  |  |
| 210 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure missing from loan file. |  |  |
| 210 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $7,923.94 and allowed is $5,737.65, however it is over charged by +$2,186.29.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 08/XX/2005. SOL has been expired.<br>Fees Included-<br> Loan Origination Fee paid by Borrower: $3,570.00<br> Underwriting Fee paid by Borrower: $395.00<br> Settlement / Closing / Escrow Fee paid by Borrower: $195.00<br> Title Courier Fee paid by Borrower: $13.94<br> Max Prepayment Penalty Amount $3,750.00<br>This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1))<br> The loan is a "high-cost home loan" that provides for prepayment fees or penalties after the last day of the twenty-fourth month<br> following the loan closing.<br>This loan failed the high-cost home loan DTI presumption test as the borrower's total monthly debts exceed 50% of the borrower's monthly gross income. |  |  |
| 210 | XX | XX | XX | XX | 140f46bf-c52f-473f-8d76-08a0744ba53f | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per 1003 dated 8/XX/2005, the total monthly income is in the amount of $3,833.00 and the total monthly expenses are in the amount of $2,653.43. The DTI is calculated as 69.226% which is exceeding 60% DTI limit. |  |  |
| 210 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure missing in loan files |  |  |
| 209 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing. |  |  |
| 209 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 207 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 207 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure missing from loan files. |  |  |
| 207 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 207 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value at the time of origination is missing from the loan file. |  |  |
| 203 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure missing from loan files. |  |  |
| 203 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $3,245.50 and allowed is $3,128.09, however it is over charged by +$117.41.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 03/XX/2005. SOL has been expired.<br>Fees Included-<br> Yield Spread Premium (Indirect / POC) $1,280.00<br> Underwriting Fee paid by Borrower: $799.00<br> Administration Fee paid by Borrower: $6.50<br> Settlement / Closing / Escrow Fee paid by Borrower: $100.00<br> Attorney's Fee paid by Borrower: $350.00<br> Title Courier Fee paid by Borrower: $70.00<br> Max Prepayment Penalty Amount $640.00 |  |  |
| 203 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to determine operative index value. |  |  |
| 203 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 203 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 201 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds |  |  |
| 201 | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The ROR report is missing from the loan file. |  |  |
| 201 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan file. |  |  |
| 201 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | Appraisal is missing. The Appraised value is $XX and the loan amount is $XX. The LTV is calculated as 110.169% which is exceeding 104%. |  |  |
| 201 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing from the loan files. |  |  |
| 201 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 201 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan files. |  |  |
| 201 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The servicing transfer disclosure is missing from the loan files. |  |  |
| 195 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 195 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| 195 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan program disclosure is missing from the loan file. |  |  |
| 193 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Application document is missing from loan file. |  |  |
| 193 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.<br> The finance charge is $151,897.88. The disclosed finance charge of $151,313.23 is not considered accurate because it is understated by more than $100.<br>The loan data is $151,313.23 and comparison data is $151,797.88; the variance is -$484.65.<br>This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $151,897.88. The disclosed finance charge of $151,313.23 is not considered accurate for purposes of rescission because it is understated by more than $35.<br>The loan data is $151,313.23 and comparison data is $151,897.88; the variance is -$584.65. |  |  |
| 193 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $5,154.90 and allowed is $4,631.37, however it is over charged by +$523.53.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 12/XX/2004. SOL has been expired.<br>Fees Included-<br> Loan Discount Fee paid by Borrower: $2,844.90<br> Application Fee paid by Borrower: $360.00<br> Processing Fee paid by Borrower: $626.00<br> Administration Fee paid by Borrower: $239.00<br> Appraisal Review Fee paid by Borrower: $125.00<br> Settlement / Closing / Escrow Fee paid by Borrower: $325.00<br> Attorney's Fee paid by Borrower: $550.00<br> Title Courier Fee paid by Borrower: $60.00<br> Subordination Recording Fee paid by Borrower: $25.00 |  |  |
| 193 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure document is missing from loan file. |  |  |
| 193 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 192 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing. |  |  |
| 192 | XX | XX | XX | XX | c7478320-5532-4499-9e75-67c2535004af | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | The settlement date is different from the note/closing date. |  |  |
| 192 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 185 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009. |  |  |
| 185 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the Indiana license validation test. and This loan failed the TILA APR test<br> The loan data is 0.00 % and comparison data is 6.712 % the variance is -6.712%. |  |  |
| 185 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test<br> The loan data is 0.00 % and comparison data is 6.712 % the variance is -6.712%. |  |  |
| 185 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing transfer disclosure is missing from the loan file. |  |  |
| 185 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan files |  |  |
| 185 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 185 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 185 | XX | XX | XX | XX | 04676c2d-9111-4e5e-859e-db974cdb7b7a | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 182 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.<br> The loan data is 5.000% and comparison data is 2.000%, the variance is +3.000%<br>This loan failed the prepayment term test. FAIL<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.<br> The loan data is 24 Months and comparison data is 0 Month, the variance is 24 Months. |  |  |
| 182 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 182 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. |  |  |
| 182 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 180 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 180 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. |  |  |
| 180 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan file. |  |  |
| 180 | XX | XX | XX | XX | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | As per Appraisal report the appraisal value is $XX which is less than loan amount $XX and LTV is 120.638% which exceeds 104%. |  |  |
| 179 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 179 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $4,924.35 and allowed is $4,616.74, however it is over charged by +$307.61.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 11/XX/2004. SOL has been expired.<br>Fees Included-<br> Loan Origination Fee paid by Borrower: $1,211.35<br> Yield Spread Premium (Indirect / POC) $1,425.00<br> Processing Fee paid by Borrower: $337.00<br> Underwriting Fee paid by Borrower: $494.50<br> Warehousing Fee paid by Borrower: $6.50<br> Settlement / Closing / Escrow Fee paid by Borrower: $475.00<br> Title Courier Fee paid by Borrower: $25.00<br> Max Prepayment Penalty Amount $950.00<br>This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1))<br> The loan is a "high-cost home loan" that provides for prepayment fees or penalties after the last day of the twenty-fourth month<br> following the loan closing. |  |  |
| 179 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 179 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. |  |  |
| 178 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Compliance Ease risk indicator is Elevated due to <br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 178 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated business Disclosure is missing from the loan file. |  |  |
| 178 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 178 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 177 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| 177 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value at the time of origination is missing from the loan file. |  |  |
| 177 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan program disclosure is missing from the loan file. |  |  |
| 177 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 177 | XX | XX | XX | XX | bbe82b12-eddd-4a07-9e0d-03ad80095bd9 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Not Signed by All Borrowers (Lvl 2) | As per the final 1003 located at "XX", pages are incomplete. |  |  |
| 177 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Ohio | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The final 1003 is missing from the loan file. The values are taken as the note date and loan amount. |  |  |
| 175 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | The final TIL is not hand dated by the borrower. |  |  |
| 175 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 175 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 175 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR not hand dated by borrower. |  |  |
| 158 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Kentucky | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from loan file. |  |  |
| 158 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Kentucky | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. |  |  |
| 158 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Kentucky | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 157 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. |  |  |
| 154 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 154 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.<br> A loan may provide for a delinquency charge on the amount of any payment in default for a period of not less than 10 days in an amount not to exceed the greater of five percent of the amount of the payment or $7.50.<br> PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for<br> such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.<br>The loan data is 6.000% and comparison data is 5.000%; the variance is +1.000%. |  |  |
| 154 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is Moderate as the loan is failing for<br> This loan failed the late fees test. |  |  |
| 154 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 149 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 149 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to determine operative index value. |  |  |
| 149 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $5,116.50 and allowed is $4,527.33, however it is over charged by +$589.17.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 03/XX/2004. SOL has been expired.<br>Fees Included-<br> Loan Origination Fee paid by Borrower: $1,230.00<br> Mortgage Broker Fee (Direct) paid by Borrower: $XX<br> Application Fee paid by Borrower: $6.50<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $500.00<br> Attorney's Fee paid by Borrower: $600.00<br> Max Prepayment Penalty Amount $950.00<br>This loan failed the high-cost home loan DTI presumption test as the borrower's total monthly debts exceed 50% of the borrower's monthly gross income. |  |  |
| 149 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| Dropped | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan file. |  |  |
| Dropped | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| Dropped | XX | XX | XX | XX | 140f46bf-c52f-473f-8d76-08a0744ba53f | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Credit | DTI | Active | 2: Acceptable with Warnings | \* DTI > 60% (Lvl 2) | As per 1003 dated 5/XX/2003, the total monthly income is in the amount of $2,736.13 and the total monthly expenses are in the amount of $2,368.37 The DTI is calculated as 86.559% which is exceeding 60% DTI limit. |  |  |
| 141 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The CE risk indicator is Elevated as the loan is failing for :<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 141 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. |  |  |
| 141 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 140 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 140 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | TILA APR Test: The loan data is 6.600% and comparison data is 6.348; the variance is +0.252% |  |  |
| 140 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $137,400.81. The disclosed finance charge of $137,560.78 is not considered accurate for purposes of rescission because it is understated by more than $159.97. The loan data is $137,400.81 and comparison data is $137,560.78; the variance is -$159.97. |  |  |
| 140 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand-dated by the borrower. |  |  |
| 136 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 136 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009. |  |  |
| 136 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 136 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009. |  |  |
| 136 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 135 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 135 | XX | XX | XX | XX | bb1c1688-1548-4cc5-bf6e-71a3be761d91 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Balloon Rider Missing (Lvl 2) | The balloon rider is missing from the mortgage document |  |  |
| 135 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The final 1003 is missing from the loan file. The values are taken as the note date and loan amount. |  |  |
| 135 | XX | XX | XX | XX | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | Home is not affixed. According to the appraisal report dated 11/XX/2002 subject property is "Manufactured Home". Neither Alta-7 endorsement is attached with final title policy nor the VIN# is mentioned on the legal description of the subject mortgage. Affidavit of affixation is missing from the loan file. Hence, unable to confirm whether the home is attached to the land or not |  |  |
| 135 | XX | XX | XX | XX | bbe82b12-eddd-4a07-9e0d-03ad80095bd9 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Not Signed by All Borrowers (Lvl 2) | As per the final 1003 located at "XX", the pages are incomplete. |  |  |
| 135 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| 135 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located..<br> The loan data is $27.00 and comparison data is $15.00; hence, the variance is +$12.00.<br>This loan failed the fees, compensation, and points test due to one of the following findings: <br> If combined fees, compensation, and points of any kind to the lender and broker or their affiliates, to arrange, originate,<br> evaluate, maintain or service the loan exceed 6% of the loan amount financed; or<br> If the aggregate of fees, compensation, and points exceed 5% of the loan amount financed..<br> The loan data is $3,700.40 and comparison data is $2,812.50; hence, the variance is +$887.90. |  |  |
| 134 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is moderate as the loan is failed for.<br> Prepayment Term Test: |  |  |
| 134 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the prepayment term test.<br> The loan provides for a penalty for paying all or part of the principal before the date on which the principal is due.<br> The loan data is 36Months and comparison data is 0Months hence, the variance is 36Months. |  |  |
| 134 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 134 | XX | XX | XX | XX | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from the mortgage document. |  |  |
| 134 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | The ROR is not hand-dated by the borrower. |  |  |
| 133 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | New Mexico | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program Disclosure is missing from the loan file. |  |  |
| 133 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | New Mexico | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value is unable to determine. |  |  |
| 133 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | New Mexico | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 133 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | New Mexico | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the Prepayment Term Test:<br> The loan data is 36Months and comparison data is 0Months. The variance is 36Months.<br> This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the<br> property is located. |  |  |
| 133 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | New Mexico | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the Prepayment Term Test:<br> The loan data is 36Months and comparison data is 0Months. The variance is 36Months. |  |  |
| Dropped | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| Dropped | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is moderate as the loan is failed for.<br> This loan failed the Indiana license validation test. (IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101)<br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and<br> subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending<br> License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated<br> UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with<br> a closing date before the Act's effective date of January 1, 2009. |  |  |
| Dropped | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| Dropped | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and<br> subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending<br> License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated<br> UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with<br> a closing date before the Act's effective date of January 1, 2009. |  |  |
| Dropped | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan program disclosure is missing from the loan file. |  |  |
| 131 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.<br> The maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $30. However, if the Date Creditor Received Application Date is before June 12, 2015, then the maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $15.<br> Late Fees Test Loan Data $26.60 Comparison Data $15.00 Variance +$11.60<br>This loan failed the fees, compensation, and points test due to one of the following findings:<br> If combined fees, compensation, and points of any kind to the lender and broker or their affiliates, to arrange, originate, evaluate, maintain or service the loan exceed 6% of the loan amount financed; or<br> If the aggregate of fees, compensation, and points exceed 5% of the loan amount financed.<br> Points Test Loan Data $2,800.00 Comparison Data $2,635.00, the Variance +$165.00 |  |  |
| 131 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The application is missing from the loan file; it is located at "XX" and is the initial application report. |  |  |
| 131 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. |  |  |
| 131 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 131 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 131 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is Moderate as the loan is failing for below test.<br> This loan failed the late fees test.<br> This loan failed the fees, compensation, and points test due. |  |  |
| 131 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 130 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | State Regulations<br> Late Fees Test: FAIL |  |  |
| 130 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan file. |  |  |
| 130 | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The ROR is missing from the loan file. |  |  |
| 130 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | The loan program disclosure is missing from the loan file. |  |  |
| 130 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 130 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 130 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | State Regulations<br> Late Fees Test: FAIL<br> This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.<br> The maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $30. However, if the Date Creditor Received Application Date is before June 12, 2015, then the maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $15. (WVC §§ 46A-3-112, 46A-3-113). |  |  |
| 124 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | The ROR is not hand dated by borrower. |  |  |
| 124 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing. |  |  |
| 124 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal is located at "XX" which is six months prior to the loan origination date of 4/XX/2002, but it is missing from the loan file. |  |  |
| 124 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 124 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.<br> The finance charge is $222,464.84. The disclosed finance charge of $222,233.80 is not considered accurate because it is understated by more than $100.<br> The loan data is $222,233.80 and comparison data is $222,364.84, the variance is -$131.04<br>This loan failed the TILA foreclosure rescission finance charge test.<br> The finance charge is $222,464.84. The disclosed finance charge of $222,233.80 is not considered accurate for purposes of rescission because it is understated by more than $35.<br> The loan data is $222,233.80 and comparison data is $222,464.84, the variance is -$231.04 |  |  |
| 124 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by borrower. |  |  |
| 117 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | Right of Rescission not hand dated by borrower |  |  |
| 117 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk is Moderate <br> This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located |  |  |
| 117 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is<br> located.<br> The maximum allowable late fees are 5% of the unpaid amount of the installment, not to exceed $30. However, if the Date<br> Creditor Received Application Date is before June 12, 2015, then the maximum allowable late fees are 5% of the unpaid amount<br> of the installment, not to exceed $15. <br> The loan data is $20.83 and comparison data is $15.00; the variance is +$5.83 |  |  |
| 117 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 117 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure Missing or Unexecuted |  |  |
| 117 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure missing in loan files |  |  |
| 112 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 112 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 112 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test.<br> The loan data is 5.000% and comparison data is 4.000%; hence, the variance is +1.000% |  |  |
| 112 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final 1003 is missing from the loan file. |  |  |
| 112 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from the loan file. |  |  |
| 112 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the late fees test.<br> The loan data is 5.000% and comparison data is 4.000%; hence, the variance is +1.000%<br>This loan is not tested against the loan term test. (Fannie Mae Announcement 2013-06) The loan term test does not apply to loans with a date creditor received application before January 10, 2014. NOT TESTED <br> This loan failed the prepayment penalty term test. (Fannie Mae 2006 Selling Guide, Part IV, 201.02) The loan charges a prepayment penalty with a term exceeding 3 years. |  |  |
| 112 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. |  |  |
| 112 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Mississippi | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value is unable to confirm. |  |  |
| 111 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure missing from loan file. |  |  |
| 111 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure document is missing from loan file. |  |  |
| 111 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.<br>The loan data is 24Months and comparison data is 0Months; the variance is 24Months.<br>This loan failed the bona fide discount points test due to one of the following findings:<br> The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.<br> The discount points are marked as bona fide but an undiscounted rate value was not provided. |  |  |
| 111 | XX | XX | XX | XX | c7478320-5532-4499-9e75-67c2535004af | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | As per Final HUD-1 Settlement date 12/XX/2000 is different from note date 12/XX/2000. |  |  |
| 111 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing NC SB 1149 High Cost Home Loan Points and Fees Test. Total fees charged to the borrower is $2,648.09 and allowed is $2,191.05, however it is over charged by +$457.04.<br> Affirmative claims can be made within 2 years (4 Years under Chapter 75) of the closing and that the note date is 12/XX/2000. SOL has been expired.<br> Fees included-<br> Mortgage Broker Fee (Direct) paid by Borrower: $XX<br> Flood Determination - Life of Loan Fee paid by Borrower: $18.00<br> Courier / Messenger Fee paid by Borrower: $10.00<br> Settlement / Closing / Escrow Fee paid by Borrower: $60.00<br> Max Prepayment Penalty Amount $460.09.<br>This loan failed the high-cost home loan DTI presumption as the debt-to-income ratio of the borrower was not provided.<br>This loan failed the high-cost home loan financing of points and fees test. (NC SB 1149 [G.S. § 24-1.1E(c)(3)b,c])<br> The loan finances any points and fees or any other charges payable to third parties. |  |  |
| 111 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to determine operative index value. |  |  |
| 111 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR document is missing from loan file. |  |  |
| 111 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business is missing from loan file. |  |  |
| 111 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Application document is missing from loan file. |  |  |
| 111 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 108 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure missing in loan files. |  |  |
| 108 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure Missing or Unexecuted |  |  |
| 108 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase Risk Indicator is moderate due to <br> This loan failed the TILA right of rescission test.<br> Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the<br> notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.<br> GSE Point and fees test. |  |  |
| 108 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test.<br> Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the<br> notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. |  |  |
| 108 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | New York | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 104 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file |  |  |
| 104 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure Missing from loan file. |  |  |
| 104 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing NC SB 1149 High Cost Home Loan Points and Fees Test. Total fees charged to the borrower is $2,450.00 and allowed is $2,013.02, however it is over charged by +$436.98.<br> Affirmative claims can be made within 2 years (4 Years under Chapter 75) of the closing and that the note date is 10/XX/2000. SOL has been expired.<br> Fees included-<br> Loan Origination Fee paid by Borrower: $2,000.00<br> Attorney's Fee (Other) paid by Borrower: $25.00<br> Max Prepayment Penalty Amount $425.00<br>This loan failed the high-cost home loan financing of points and fees test. (NC SB 1149 [G.S. § 24-1.1E(c)(3)b,c])<br> The loan finances any points and fees or any other charges payable to third parties. |  |  |
| 104 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program Disclosure is missing from the loan file. |  |  |
| 104 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value not determine. |  |  |
| 104 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer is missing from the loan file |  |  |
| 104 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the<br> property is located. |  |  |
| 92 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | The final 1003 is missing from the loan file. The values are taken as the note date and loan amount. |  |  |
| 92 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| 92 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 92 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | The final TIL is not hand dated by the borrower. |  |  |
| 92 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is moderate as the loan is failed for<br> Prepayment Term Test |  |  |
| 92 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value at the time of origination is missing from the loan file. |  |  |
| 92 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 92 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the<br> property is located.<br> The loan data is 60Months and comparison data is 36Months; the variance is 24Months. |  |  |
| 15 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 15 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | 1003/Application is missing from the loan file. |  |  |
| 246 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure Missing from loan file. |  |  |
| 246 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program Disclosure is missing from the loan file. |  |  |
| 246 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 246 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index unable to determine. |  |  |
| 246 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Disclosed APR High-Cost Threshold Exception Test:<br> The loan data is 12.822% and comparison data is 12.590%. The variance is +0.232%.<br> This loan failed the disclosed APR high-cost threshold exception test.<br> Although the recalculated APR does not exceed any "high-cost " APR thresholds, using the disclosed APR, as provided, the loan<br> would fail the following "high-cost " APR threshold test(s): TX SB 1581 High-Cost Home Loan Credit Transaction APR Threshold<br> Test. As a result, this loan may not be acceptable to certain secondary market investors. |  |  |
| 246 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 246 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is Moderate :<br>This loan failed the Disclosed APR High-Cost Threshold Exception Test:<br> The loan data is 12.822% and comparison data is 12.590%. The variance is +0.232%. |  |  |
| 233 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the disclosed APR high-cost threshold exception test.<br> Although the recalculated APR does not exceed any "high-cost " APR thresholds, using the disclosed APR, as provided, the loan would fail the following "high-cost " APR threshold test(s): TX SB 1581 High-Cost Home Loan Credit Transaction APR Threshold Test. As a result, this loan may not be acceptable to certain secondary market investors. |  |  |
| 233 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is Moderate as the loan is failing for:<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 233 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value at the time of origination is missing from the loan file. |  |  |
| 233 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure missing from loan files. |  |  |
| 233 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Texas | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 229 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The CE risk indicator is Elevated as the loan is failing for:<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 229 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing transfer is missing from the loan file. |  |  |
| 229 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated business disclosure is missing from the loan file. |  |  |
| 229 | XX | XX | XX | XX | 5fb7fe54-3138-4619-bc5b-74ec97254551 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow acct disclosure missing from the loan file. |  |  |
| 229 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 229 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal at the origination is missing from the loan file. |  |  |
| 221 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 221 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is moderate as the loan is failed for,<br> This loan failed the Indiana license validation test. |  |  |
| 221 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Indiana license validation test. <br> Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009. |  |  |
| 221 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| 216 | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 216 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA right of rescission test. |  |  |
| 216 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 216 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 216 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA right of rescission test.<br> The funding date is before the third business day following consummation.<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the<br> notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. |  |  |
| 216 | XX | XX | XX | XX | 5fb7fe54-3138-4619-bc5b-74ec97254551 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow account disclosure is missing from the loan file. |  |  |
| 216 | XX | XX | XX | XX | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Unable to determine operative index value. |  |  |
| 216 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | Illinois | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. |  |  |
| 204 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 204 | XX | XX | XX | XX | bec64182-c833-4d46-b219-f92e4dbddf86 | XX | XX | XX | Pre-QM | QC Complete | Minnesota | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 199 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 199 | XX | XX | XX | XX | 1914f248-79e8-48ad-914c-d5ebf2be1454 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Indiana license validation test.<br> IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101) Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009. |  |  |
| 199 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | Indiana | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the Indiana license validation test.<br> IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101) Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.<br> The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009. |  |  |
| 198 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated business disclosure is missing from the loan file. |  |  |
| 198 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 198 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 198 | XX | XX | XX | XX | 114577c5-1e49-4a93-b506-e609711f1cef | XX | XX | XX | Pre-QM | QC Complete | Michigan | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The CE risk indicator is Elevated as the loan is failing for:<br> This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 145 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | The final TIL is not hand dated by the borrower. |  |  |
| 145 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $14,909.50 and allowed is $7,810.83, however it is over charged by $7,098.67.<br> Affirmative claims can be made within 5 years of the closing and that the Note date is 02/XX/2004. SOL has been expired.<br> Fees Included-<br> Loan Discount Fee paid by Borrower: $400.00<br> Mortgage Broker Fee (Direct) paid by Borrower: $XX<br> Processing Fee paid by Borrower: $300.00<br> Underwriting Fee paid by Borrower: $688.00<br> Document Preparation Fee paid by Borrower: $6.50<br> Settlement / Closing / Escrow Fee paid by Borrower: $200.00<br> Title Courier Fee paid by Borrower: $25.00<br> Max Prepayment Penalty Amount $9,690.00<br>This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1).<br>This loan failed the high-cost home loan DTI presumption test as the borrower's total monthly debts exceed 50% of the borrower's monthly gross income. |  |  |
| 145 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. |  |  |
| 145 | XX | XX | XX | XX | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | The ROR is not hand-dated by the borrower. |  |  |
| 142 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated business disclosure is missing from the loan file. |  |  |
| 142 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA foreclosure rescission finance charge test. <br> The finance charge is $274,739.36. The disclosed finance charge of $274,673.04 is not considered accurate for purposes of rescission because it is understated by more than $35<br> The loan data $274,673.04 and comparison data $274,739.36 ; The variance -$66.32 |  |  |
| 142 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 142 | XX | XX | XX | XX | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | XX | XX | XX | Pre-QM | QC Complete | Georgia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State/Local Predatory Test Failed (Lvl 2) | The CE risk indicator is Significant as the loan is failing GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test. Total fees charged is $8,735.00 and allowed is $8,539.98, however it is over charged by $195.02.<br>Affirmative claims can be made within 5 years of the closing and that the Note date is 06/XX/2003. SOL has been expired.<br>Fees Included-<br> Loan Origination Fee paid by Borrower: $3,982.50<br> Yield Spread Premium (Indirect / POC) $885.00<br> Application Fee paid by Borrower: $350.00<br> Processing Fee paid by Borrower: $500.00<br> Underwriting Fee paid by Borrower: $666.00<br> Wire Transfer Fee paid by Borrower: $6.50<br> Attorney's Fee paid by Borrower: $450.00<br> Title Courier Fee paid by Borrower: $110.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $15.00<br> Max Prepayment Penalty Amount $1,770.00<br>This loan failed the high-cost home loan prepayment term test. (GA SB 53 7-6A-5(1))<br>This loan failed the high-cost home loan DTI presumption test as the debt-to-income ratio of the borrower was not provided. |  |  |
| 116 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 116 | XX | XX | XX | XX | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance Charge Test is fail. Loan data is $197,049.84 and comparison data is $204,072.48. Hence, the variance is -$7,022.64.<br>TILA Foreclosure Rescission Finance Charge Test is fail. Loan data is $197,049.84 and comparison data is $204,072.48. Hence, the variance is -$7,022.64.<br>TILA APR Test is fail Loan data is 12.030% and comparison data is 12.332%. Hence, the variance is -0.302%. |  |  |
| 116 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test.<br> The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. |  |  |
| 116 | XX | XX | XX | XX | d1561be4-6541-483e-8b80-c861989a61eb | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. |  |  |
| 116 | XX | XX | XX | XX | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final Application is missing from the loan file. |  |  |
| 116 | XX | XX | XX | XX | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 116 | XX | XX | XX | XX | 7709325a-27a3-41ef-8dbd-dbc188f4628c | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 116 | XX | XX | XX | XX | e17a3838-56de-4fcb-8532-4289ad651a81 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report at origination is missing from the loan file. |  |  |
| 116 | XX | XX | XX | XX | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 116 | XX | XX | XX | XX | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | XX | XX | XX | Pre-QM | QC Complete | West Virginia | XX | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. |  |  |
| 98 | XX | XX | XX | XX | ff7a8c7e-a02d-4c18-abd5-a20a8434af89 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Credit | Doc Issue | Active | 1: Acceptable | \* Missing Title evidence (Lvl 1) | Title Policy is missing from loan file. |  |  |
| 98 | XX | XX | XX | XX | eb183a39-d7c5-4c18-a647-02593f673df8 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is moderate as the loan is failed for.<br> Bona Fide Discount Points Test. |  |  |
| 98 | XX | XX | XX | XX | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 98 | XX | XX | XX | XX | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | XX | XX | XX | Pre-QM | QC Complete | North Carolina | XX | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to one of the following findings:<br> The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.<br> The discount points are marked as bona fide but an undiscounted rate value was not provided. |  |  |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Credit Grade** | **Final Overall Property Grade** | **DBRS INITIAL Credit Grade** | **DBRS FINAL Credit Grade** | **DBRS INITIAL Property Grade** | **DBRS FINAL Property Grade** | **FITCH INITIAL Credit Grade** | **FITCH FINAL Credit Grade** | **FITCH INITIAL Property Grade** | **FITCH FINAL Property Grade** | **KROLL INITIAL Credit Grade** | **KROLL FINAL Credit Grade** | **KROLL INITIAL Property Grade** | **KROLL FINAL Property Grade** | **MOODY's INITIAL Credit Grade** | **MOODY's FINAL Credit Grade** | **MOODY's INITIAL Property Grade** | **MOODY's FINAL Property Grade** | **S&P INITIAL Credit Grade** | **S&P FINAL Credit Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| 37 | XX | XX | XX | XX | Colorado | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 58 | XX | XX | XX | XX | New York | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 54 | XX | XX | XX | XX | North Carolina | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| Dropped | XX | XX | XX | XX | Pennsylvania | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 85 | XX | XX | XX | XX | Texas | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 95 | XX | XX | XX | XX | Pennsylvania | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 110 | XX | XX | XX | XX | North Carolina | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 139 | XX | XX | XX | XX | Arizona | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 160 | XX | XX | XX | XX | Georgia | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 166 | XX | XX | XX | XX | Oklahoma | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 167 | XX | XX | XX | XX | Florida | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 172 | XX | XX | XX | XX | California | XX | Investor | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 194 | XX | XX | XX | XX | California | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 196 | XX | XX | XX | XX | Illinois | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 205 | XX | XX | XX | XX | Indiana | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 275 | XX | XX | XX | XX | Vermont | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 283 | XX | XX | XX | XX | Ohio | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 223 | XX | XX | XX | XX | North Carolina | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 71 | XX | XX | XX | XX | Pennsylvania | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 127 | XX | XX | XX | XX | Connecticut | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 77 | XX | XX | XX | XX | Utah | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 76 | XX | XX | XX | XX | Texas | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 70 | XX | XX | XX | XX | Pennsylvania | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 63 | XX | XX | XX | XX | Oklahoma | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 61 | XX | XX | XX | XX | Ohio | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| Dropped | XX | XX | XX | XX | New York | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 56 | XX | XX | XX | XX | New York | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 55 | XX | XX | XX | XX | Vermont | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 53 | XX | XX | XX | XX | Mississippi | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 50 | XX | XX | XX | XX | Indiana | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 49 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 47 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 43 | XX | XX | XX | XX | Florida | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 36 | XX | XX | XX | XX | Pennsylvania | XX | Investor | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 32 | XX | XX | XX | XX | Vermont | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 29 | XX | XX | XX | XX | Massachusetts | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 28 | XX | XX | XX | XX | Maine | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 27 | XX | XX | XX | XX | New York | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 26 | XX | XX | XX | XX | New York | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 25 | XX | XX | XX | XX | Maryland | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 24 | XX | XX | XX | XX | Texas | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 22 | XX | XX | XX | XX | New York | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 19 | XX | XX | XX | XX | Texas | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 16 | XX | XX | XX | XX | Mississippi | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 14 | XX | XX | XX | XX | New Mexico | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 10 | XX | XX | XX | XX | Rhode Island | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 6 | XX | XX | XX | XX | Texas | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 4 | XX | XX | XX | XX | Ohio | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 285 | XX | XX | XX | XX | Ohio | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 279 | XX | XX | XX | XX | Minnesota | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| Dropped | XX | XX | XX | XX | Minnesota | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 267 | XX | XX | XX | XX | New York | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 264 | XX | XX | XX | XX | Indiana | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 263 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 261 | XX | XX | XX | XX | Illinois | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 260 | XX | XX | XX | XX | Indiana | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 257 | XX | XX | XX | XX | Indiana | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 254 | XX | XX | XX | XX | Indiana | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 251 | XX | XX | XX | XX | West Virginia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 250 | XX | XX | XX | XX | Minnesota | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 249 | XX | XX | XX | XX | Georgia | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 243 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 242 | XX | XX | XX | XX | Ohio | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 241 | XX | XX | XX | XX | Illinois | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 240 | XX | XX | XX | XX | Indiana | XX | Investor | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 232 | XX | XX | XX | XX | Maryland | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 231 | XX | XX | XX | XX | West Virginia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 228 | XX | XX | XX | XX | Kentucky | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 222 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| Dropped | XX | XX | XX | XX | Illinois | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 218 | XX | XX | XX | XX | Illinois | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 210 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 209 | XX | XX | XX | XX | Michigan | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 207 | XX | XX | XX | XX | Ohio | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 203 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 201 | XX | XX | XX | XX | Georgia | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 195 | XX | XX | XX | XX | Michigan | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 193 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 192 | XX | XX | XX | XX | New York | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 185 | XX | XX | XX | XX | Indiana | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 182 | XX | XX | XX | XX | New York | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 180 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 179 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 178 | XX | XX | XX | XX | Ohio | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 177 | XX | XX | XX | XX | Ohio | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 175 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 158 | XX | XX | XX | XX | Kentucky | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 157 | XX | XX | XX | XX | Illinois | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 154 | XX | XX | XX | XX | Texas | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 149 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| Dropped | XX | XX | XX | XX | Illinois | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 141 | XX | XX | XX | XX | Minnesota | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 140 | XX | XX | XX | XX | Minnesota | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 136 | XX | XX | XX | XX | Indiana | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 135 | XX | XX | XX | XX | West Virginia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 134 | XX | XX | XX | XX | Illinois | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 133 | XX | XX | XX | XX | New Mexico | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| Dropped | XX | XX | XX | XX | Indiana | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 131 | XX | XX | XX | XX | West Virginia | XX | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 130 | XX | XX | XX | XX | West Virginia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 124 | XX | XX | XX | XX | New York | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 117 | XX | XX | XX | XX | West Virginia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 112 | XX | XX | XX | XX | Mississippi | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 111 | XX | XX | XX | XX | North Carolina | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 108 | XX | XX | XX | XX | New York | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 104 | XX | XX | XX | XX | North Carolina | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 92 | XX | XX | XX | XX | Michigan | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 15 | XX | XX | XX | XX | Texas | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 246 | XX | XX | XX | XX | Texas | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 233 | XX | XX | XX | XX | Texas | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 229 | XX | XX | XX | XX | Michigan | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 221 | XX | XX | XX | XX | Indiana | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 216 | XX | XX | XX | XX | Illinois | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 204 | XX | XX | XX | XX | Minnesota | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 199 | XX | XX | XX | XX | Indiana | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 198 | XX | XX | XX | XX | Michigan | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 145 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 142 | XX | XX | XX | XX | Georgia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 116 | XX | XX | XX | XX | West Virginia | XX | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 98 | XX | XX | XX | XX | North Carolina | XX | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

**Data Compare**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| 58 | XX | XX | XX | Amortized Remaining Term | 82 | 235 | -153 | -65.10638% |  | Initial |
| 58 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 58 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 58 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 58 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 58 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 58 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00041% |  | Initial |
| 58 | XX | XX | XX | Original CLTV Ratio Percent | 126.984% | 126.980% | 0.004% | 0.00400% |  | Initial |
| 58 | XX | XX | XX | Original Note Doc Date | XX | XX | XX |  |  | Initial |
| 58 | XX | XX | XX | Original Standard LTV (OLTV) | 126.984% | 126.980% | 0.004% | 0.00400% |  | Initial |
| 58 | XX | XX | XX | Original Stated Rate | 11.16300% | 2.00000% | 9.16300% | 9.16300% |  | Initial |
| 58 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 58 | XX | XX | XX | Purpose of Refinance Per HUD-1 | Debt consolidation | Cash Out - Other |  |  |  | Initial |
| 58 | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |
| 58 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 58 | XX | XX | XX | Stated Remaining Term | 82 | 235 | -153 | -65.10638% |  | Initial |
| 54 | XX | XX | XX | Amortized Remaining Term | 87 | 99 | -12 | -12.12121% |  | Initial |
| 54 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 54 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 54 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 54 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 54 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 54 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 54 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -0.76960% |  | Initial |
| 54 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00036% |  | Initial |
| 54 | XX | XX | XX | Original CLTV Ratio Percent | 103.101% | 102.310% | 0.791% | 0.79100% |  | Initial |
| 54 | XX | XX | XX | Original Note Doc Date | XX | XX | XX |  |  | Initial |
| 54 | XX | XX | XX | Original Standard LTV (OLTV) | 103.101% | 102.310% | 0.791% | 0.79100% |  | Initial |
| 54 | XX | XX | XX | Original Stated Rate | 13.00000% | 5.00000% | 8.00000% | 8.00000% |  | Initial |
| 54 | XX | XX | XX | Property City | XX | XX |  |  |  | Initial |
| 54 | XX | XX | XX | Purpose Per Application | Not Applicable | Refinance |  |  |  | Initial |
| 54 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 54 | XX | XX | XX | Stated Remaining Term | 87 | 101 | -14 | -13.86138% |  | Initial |
| Dropped | XX | XX | XX | Amortized Remaining Term | 119 | 218 | -99 | -45.41284% |  | Initial |
| Dropped | XX | XX | XX | Amortized Term (Calculated) | 174 | 360 | -186 | -51.66666% |  | Initial |
| Dropped | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Borrower First Name | XX | XX |  |  |  | Initial |
| Dropped | XX | XX | XX | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| Dropped | XX | XX | XX | Escrow Account Indicator | No | Yes |  |  |  | Initial |
| Dropped | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| Dropped | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Original CLTV Ratio Percent | 100.168% | 82.910% | 17.258% | 17.25800% |  | Initial |
| Dropped | XX | XX | XX | Original Standard LTV (OLTV) | 100.168% | 82.910% | 17.258% | 17.25800% |  | Initial |
| Dropped | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| Dropped | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| Dropped | XX | XX | XX | Stated Remaining Term | 119 | 218 | -99 | -45.41284% |  | Initial |
| 85 | XX | XX | XX | Amortized Remaining Term | 56 | 54 | 2 | 3.70370% |  | Initial |
| 85 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 85 | XX | XX | XX | Borrower #2 First Name | XX | XX |  |  |  | Initial |
| 85 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 85 | XX | XX | XX | Borrower First Name | XX | XX |  |  |  | Initial |
| 85 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Unavailable | No |  |  |  | Initial |
| 85 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 85 | XX | XX | XX | Number of Signatures on Note | 1 | 2 | -1 | -50.00000% |  | Initial |
| 85 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 85 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -30.28169% |  | Initial |
| 85 | XX | XX | XX | Original CLTV Ratio Percent | 90.000% | 60.210% | 29.790% | 29.79000% |  | Initial |
| 85 | XX | XX | XX | Original Standard LTV (OLTV) | 90.000% | 35.890% | 54.110% | 54.11000% |  | Initial |
| 85 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 95 | XX | XX | XX | Amortized Remaining Term | 63 | 132 | -69 | -52.27272% |  | Initial |
| 95 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 95 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 95 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 95 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 95 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -26.26262% |  | Initial |
| 95 | XX | XX | XX | Original CLTV Ratio Percent | 85.000% | 46.070% | 38.930% | 38.93000% |  | Initial |
| 95 | XX | XX | XX | Original Standard LTV (OLTV) | 85.000% | 46.070% | 38.930% | 38.93000% |  | Initial |
| 95 | XX | XX | XX | Original Stated Rate | 11.37500% | 9.50000% | 1.87500% | 1.87500% |  | Initial |
| 95 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 95 | XX | XX | XX | Purpose Per Application | Refinance | Purchase |  |  |  | Initial |
| 110 | XX | XX | XX | Amortized Remaining Term | 81 | 26 | 55 | 211.53846% |  | Initial |
| 110 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 110 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 110 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 110 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 110 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 110 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 53.84615% |  | Initial |
| 110 | XX | XX | XX | Original CLTV Ratio Percent | Unavailable | 123.080% |  |  |  | Initial |
| 110 | XX | XX | XX | Original Standard LTV (OLTV) | 80.000% | 123.080% | -43.080% | -43.08000% |  | Initial |
| 110 | XX | XX | XX | Original Stated Rate | 11.35000% | 9.05000% | 2.30000% | 2.30000% |  | Initial |
| 110 | XX | XX | XX | Subject Property Type | Manufactured Housing | Single Family |  |  |  | Initial |
| 139 | XX | XX | XX | Amortized Remaining Term | 110 | 122 | -12 | -9.83606% |  | Initial |
| 139 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 139 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 139 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 139 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 38.610% | 61.390% | 61.39000% |  | Initial |
| 139 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 38.610% | 61.390% | 61.39000% |  | Initial |
| 139 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 139 | XX | XX | XX | Property City | XX | XX |  |  |  | Initial |
| 160 | XX | XX | XX | Amortized Remaining Term | 117 | 108 | 9 | 8.33333% |  | Initial |
| 160 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 160 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 160 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 160 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 160 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 175.00000% |  | Initial |
| 160 | XX | XX | XX | Original CLTV Ratio Percent | 88.636% | 76.040% | 12.596% | 12.59600% |  | Initial |
| 160 | XX | XX | XX | Original Standard LTV (OLTV) | 88.636% | 76.040% | 12.596% | 12.59600% |  | Initial |
| 160 | XX | XX | XX | Original Stated P&I | $491.90 | $491.89 | $0.01 | 0.00203% |  | Initial |
| 160 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 166 | XX | XX | XX | Amortized Remaining Term | 125 | 126 | -1 | -0.79365% |  | Initial |
| 166 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 166 | XX | XX | XX | ARM Lifetime Floor Percent | 6.990% | 6.000% | 0.990% | 0.99000% |  | Initial |
| 166 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 11/X/2006 |  |  |  | Initial |
| 166 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 166 | XX | XX | XX | Original Standard LTV (OLTV) | 78.600% | 53.250% | 25.350% | 25.35000% |  | Initial |
| 166 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 166 | XX | XX | XX | Property City | XX | XX |  |  |  | Initial |
| 167 | XX | XX | XX | Amortized Remaining Term | 124 | 119 | 5 | 4.20168% |  | Initial |
| 167 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 167 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 167 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 167 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 167 | XX | XX | XX | Original CLTV Ratio Percent | Unavailable | 137.420% |  |  |  | Initial |
| 167 | XX | XX | XX | Original Standard LTV (OLTV) | Unavailable | 137.420% |  |  |  | Initial |
| 167 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 172 | XX | XX | XX | Amortized Remaining Term | 121 | 450 | -329 | -73.11111% | Amortized remaining term is 121 but tape shows 450. | Initial |
| 172 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | Borrower 2 last name is NA but tape shows XX. | Initial |
| 172 | XX | XX | XX | Borrower Last Name | XX | XX |  |  | Borrower last name is XX. | Initial |
| 172 | XX | XX | XX | Did a Modification Change Note Terms? | No | Yes |  |  | No mod did not use for review. | Initial |
| 172 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  | No neg arm. | Initial |
| 172 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -59.75000% | Appraisal is missing. | Initial |
| 172 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -1.22699% | As per note original balance is $XXbut tape shows $XX | Initial |
| 172 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 40.750% | 59.250% | 59.25000% | Original CLTV is 100.00 appraisal is missing. | Initial |
| 172 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 27.730% | 72.270% | 72.27000% | Appraisal is missing. | Initial |
| 172 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  | As per note maturity date 8/XX/2034 but tape shows 12/XX/2061. | Initial |
| 172 | XX | XX | XX | Stated Remaining Term | 121 | 449 | -328 | -73.05122% | Stated remaining term is 121 but tape shows 449. | Initial |
| 194 | XX | XX | XX | Amortized Remaining Term | 130 | 134 | -4 | -2.98507% |  | Initial |
| 194 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 194 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 194 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 194 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 194 | XX | XX | XX | Number Of Units | 3 | 1 | 2 | 200.00000% |  | Initial |
| 194 | XX | XX | XX | Original CLTV Ratio Percent | 77.449% | 77.450% | -0.001% | -0.00100% |  | Initial |
| 194 | XX | XX | XX | Original Standard LTV (OLTV) | 77.449% | 77.450% | -0.001% | -0.00100% |  | Initial |
| 194 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 194 | XX | XX | XX | Subject Property Type | 3 Family | Single Family |  |  |  | Initial |
| 196 | XX | XX | XX | Amortized Remaining Term | 133 | 171 | -38 | -22.22222% |  | Initial |
| 196 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 196 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 196 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 196 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 196 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 196 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 4766.66666% |  | Initial |
| 196 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 168.240% | -68.240% | -68.24000% |  | Initial |
| 196 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 168.240% | -68.240% | -68.24000% |  | Initial |
| 196 | XX | XX | XX | Original Stated Rate | 9.55000% | 5.25000% | 4.30000% | 4.30000% |  | Initial |
| 196 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 196 | XX | XX | XX | Stated Remaining Term | 133 | 140 | -7 | -5.00000% |  | Initial |
| 205 | XX | XX | XX | Amortized Remaining Term | 137 | 344 | -207 | -60.17441% |  | Initial |
| 205 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 205 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 205 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 205 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 205 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 77.50000% |  | Initial |
| 205 | XX | XX | XX | Original CLTV Ratio Percent | 90.000% | 82.560% | 7.440% | 7.44000% |  | Initial |
| 205 | XX | XX | XX | Original Standard LTV (OLTV) | 90.000% | 82.560% | 7.440% | 7.44000% |  | Initial |
| 205 | XX | XX | XX | Original Stated Rate | 8.87500% | 5.00000% | 3.87500% | 3.87500% |  | Initial |
| 205 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 205 | XX | XX | XX | Stated Remaining Term | 137 | 344 | -207 | -60.17441% |  | Initial |
| 275 | XX | XX | XX | Amortized Remaining Term | 151 | 144 | 7 | 4.86111% |  | Initial |
| 275 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 275 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 12/X/2009 |  |  |  | Initial |
| 275 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 275 | XX | XX | XX | Next Pay Change Date | 12/X/2024 | 6/X/2024 | 183 (Days) |  |  | Initial |
| 275 | XX | XX | XX | Next Rate Change Date | 11/X/2024 | 5/X/2024 | 184 (Days) |  |  | Initial |
| 275 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 275 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 61.53846% |  | Initial |
| 275 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 108.860% | -8.860% | -8.86000% |  | Initial |
| 275 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 108.860% | -8.860% | -8.86000% |  | Initial |
| 275 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 283 | XX | XX | XX | Amortized Remaining Term | 155 | 156 | -1 | -0.64102% |  | Initial |
| 283 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 283 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 283 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 283 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 283 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 101.53846% |  | Initial |
| 283 | XX | XX | XX | Original CLTV Ratio Percent | 96.183% | 193.850% | -97.667% | -97.66700% |  | Initial |
| 283 | XX | XX | XX | Original Standard LTV (OLTV) | 96.183% | 193.850% | -97.667% | -97.66700% |  | Initial |
| 283 | XX | XX | XX | Purpose of Refinance Per HUD-1 | Lower rate or term | Cash Out - Other |  |  |  | Initial |
| 283 | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |
| 223 | XX | XX | XX | Amortized Remaining Term | 141 | 442 | -301 | -68.09954% |  | Initial |
| 223 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 223 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 223 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 223 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 223 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 223 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 16.50485% |  | Initial |
| 223 | XX | XX | XX | Original CLTV Ratio Percent | 85.000% | 99.030% | -14.030% | -14.03000% |  | Initial |
| 223 | XX | XX | XX | Original Standard LTV (OLTV) | 85.000% | 99.030% | -14.030% | -14.03000% |  | Initial |
| 223 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 223 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 223 | XX | XX | XX | Stated Remaining Term | 141 | 442 | -301 | -68.09954% |  | Initial |
| 71 | XX | XX | XX | Amortized Remaining Term | 69 | 464 | -395 | -85.12931% |  | Initial |
| 71 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 71 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 71 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 71 | XX | XX | XX | Loan Amortization Type | Not Applicable | Fixed |  |  |  | Initial |
| 71 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 71 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 71 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 71 | XX | XX | XX | Original CLTV Ratio Percent | 115.922% | 126.000% | -10.078% | -10.07800% |  | Initial |
| 71 | XX | XX | XX | Original Standard LTV (OLTV) | 115.922% | 126.000% | -10.078% | -10.07800% |  | Initial |
| 71 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 71 | XX | XX | XX | Purpose of Refinance Per HUD-1 | Debt consolidation | Cash Out - Other |  |  |  | Initial |
| 71 | XX | XX | XX | Stated Maturity Date | XX | XX |  |  |  | Initial |
| 71 | XX | XX | XX | Stated Remaining Term | 69 | 464 | -395 | -85.12931% |  | Initial |
| 71 | XX | XX | XX | Subject Property Type | Single Family | PUD |  |  |  | Initial |
| 127 | XX | XX | XX | Amortized Remaining Term | 101 | 424 | -323 | -76.17924% |  | Initial |
| 127 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 127 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 127 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 127 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 127 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -7.40740% |  | Initial |
| 127 | XX | XX | XX | Original CLTV Ratio Percent | 95.000% | 87.960% | 7.040% | 7.04000% |  | Initial |
| 127 | XX | XX | XX | Original Standard LTV (OLTV) | 95.000% | 87.960% | 7.040% | 7.04000% |  | Initial |
| 127 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 127 | XX | XX | XX | Stated Remaining Term | 101 | 104 | -3 | -2.88461% |  | Initial |
| 77 | XX | XX | XX | Amortized Remaining Term | 62 | 284 | -222 | -78.16901% |  | Initial |
| 77 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 77 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 77 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 77 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 77 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 77 | XX | XX | XX | Original CLTV Ratio Percent | 102.901% | 74.290% | 28.611% | 28.61100% |  | Initial |
| 77 | XX | XX | XX | Original Standard LTV (OLTV) | 102.901% | 0.000% | 102.901% | 102.90100% |  | Initial |
| 77 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 77 | XX | XX | XX | Stated Remaining Term | 62 | 358 | -296 | -82.68156% |  | Initial |
| 76 | XX | XX | XX | Amortized Remaining Term | 93 | 45 | 48 | 106.66666% |  | Initial |
| 76 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 76 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 76 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 76 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 76 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 76 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -22.11538% |  | Initial |
| 76 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00027% |  | Initial |
| 76 | XX | XX | XX | Original CLTV Ratio Percent | 79.620% | 62.010% | 17.610% | 17.61000% |  | Initial |
| 76 | XX | XX | XX | Original Note Doc Date | XX | XX | XX |  |  | Initial |
| 76 | XX | XX | XX | Original Standard LTV (OLTV) | 79.620% | 0.000% | 79.620% | 79.62000% |  | Initial |
| 76 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 70 | XX | XX | XX | Amortized Remaining Term | 81 | 444 | -363 | -81.75675% |  | Initial |
| 70 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 70 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 70 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 70 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 480 | -120 | -25.00000% |  | Initial |
| 70 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 70 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 70 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 70 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -34.02777% |  | Initial |
| 70 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00005% |  | Initial |
| 70 | XX | XX | XX | Original CLTV Ratio Percent | 107.815% | 71.130% | 36.685% | 36.68500% |  | Initial |
| 70 | XX | XX | XX | Original Standard LTV (OLTV) | 107.815% | 0.000% | 107.815% | 107.81500% |  | Initial |
| 70 | XX | XX | XX | Original Stated Rate | 11.85200% | 4.25000% | 7.60200% | 7.60200% |  | Initial |
| 70 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 70 | XX | XX | XX | Stated Remaining Term | 81 | 443 | -362 | -81.71557% |  | Initial |
| 63 | XX | XX | XX | Amortized Remaining Term | 84 | 136 | -52 | -38.23529% |  | Initial |
| 63 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 63 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 63 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 133 | 227 | 170.67669% |  | Initial |
| 63 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 63 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 63 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 63 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -14.96062% |  | Initial |
| 63 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | 0.00025% |  | Initial |
| 63 | XX | XX | XX | Original CLTV Ratio Percent | 107.526% | 91.440% | 16.086% | 16.08600% |  | Initial |
| 63 | XX | XX | XX | Original Standard LTV (OLTV) | 107.526% | 0.000% | 107.526% | 107.52600% |  | Initial |
| 63 | XX | XX | XX | Original Stated Rate | 11.55800% | 7.00000% | 4.55800% | 4.55800% |  | Initial |
| 63 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 63 | XX | XX | XX | Stated Remaining Term | 84 | 90 | -6 | -6.66666% |  | Initial |
| 61 | XX | XX | XX | Amortized Remaining Term | -34 | 57 | -91 | -159.64912% |  | Initial |
| 61 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 61 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 61 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 61 | XX | XX | XX | Loan Original Maturity Term Months | 240 | 120 | 120 | 100.00000% |  | Initial |
| 61 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 61 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00120% |  | Initial |
| 61 | XX | XX | XX | Original CLTV Ratio Percent | 111.769% | 111.770% | -0.001% | -0.00100% |  | Initial |
| 61 | XX | XX | XX | Original Standard LTV (OLTV) | 111.769% | 0.000% | 111.769% | 111.76900% |  | Initial |
| 61 | XX | XX | XX | Original Stated Rate | 12.48100% | 7.60300% | 4.87800% | 4.87800% |  | Initial |
| 61 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 61 | XX | XX | XX | Stated Remaining Term | -34 | 57 | -91 | -159.64912% |  | Initial |
| Dropped | XX | XX | XX | Amortized Remaining Term | 86 | 358 | -272 | -75.97765% |  | Initial |
| Dropped | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| Dropped | XX | XX | XX | Loan Original Maturity Term Months | 360 | 163 | 197 | 120.85889% |  | Initial |
| Dropped | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| Dropped | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00038% |  | Initial |
| Dropped | XX | XX | XX | Original CLTV Ratio Percent | 81.962% | 81.960% | 0.002% | 0.00200% |  | Initial |
| Dropped | XX | XX | XX | Original Note Doc Date | XX | XX | XX |  |  | Initial |
| Dropped | XX | XX | XX | Original Standard LTV (OLTV) | 81.962% | 0.000% | 81.962% | 81.96200% |  | Initial |
| Dropped | XX | XX | XX | Original Stated Rate | 11.04100% | 4.50000% | 6.54100% | 6.54100% |  | Initial |
| Dropped | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| Dropped | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| Dropped | XX | XX | XX | Stated Remaining Term | 86 | 92 | -6 | -6.52173% |  | Initial |
| 56 | XX | XX | XX | Amortized Remaining Term | 6 | 80 | -74 | -92.50000% |  | Initial |
| 56 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 56 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 56 | XX | XX | XX | Loan Original Maturity Term Months | 240 | 174 | 66 | 37.93103% |  | Initial |
| 56 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 56 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 56 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 56 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 38.98305% |  | Initial |
| 56 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00027% |  | Initial |
| 56 | XX | XX | XX | Original CLTV Ratio Percent | 94.497% | 131.340% | -36.843% | -36.84300% |  | Initial |
| 56 | XX | XX | XX | Original Note Doc Date | XX | XX | XX |  |  | Initial |
| 56 | XX | XX | XX | Original Standard LTV (OLTV) | 94.497% | 0.000% | 94.497% | 94.49700% |  | Initial |
| 56 | XX | XX | XX | Original Stated Rate | 8.53000% | 5.00000% | 3.53000% | 3.53000% |  | Initial |
| 56 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 56 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 56 | XX | XX | XX | Stated Remaining Term | 6 | 80 | -74 | -92.50000% |  | Initial |
| 55 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 55 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 55 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 194 | 166 | 85.56701% |  | Initial |
| 55 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 55 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 55 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 55 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -29.21348% |  | Initial |
| 55 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | 0.00002% |  | Initial |
| 55 | XX | XX | XX | Original CLTV Ratio Percent | 112.341% | 79.520% | 32.821% | 32.82100% |  | Initial |
| 55 | XX | XX | XX | Original Note Doc Date | XX | XX | XX |  |  | Initial |
| 55 | XX | XX | XX | Original Standard LTV (OLTV) | 112.341% | 0.000% | 112.341% | 112.34100% |  | Initial |
| 55 | XX | XX | XX | Original Stated Rate | 10.98000% | 8.00000% | 2.98000% | 2.98000% |  | Initial |
| 55 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 55 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 53 | XX | XX | XX | Amortized Remaining Term | 74 | 297 | -223 | -75.08417% |  | Initial |
| 53 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 53 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 53 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 53 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 480 | -120 | -25.00000% |  | Initial |
| 53 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 53 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 53 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -1.05263% |  | Initial |
| 53 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | 0.00012% |  | Initial |
| 53 | XX | XX | XX | Original CLTV Ratio Percent | 96.774% | 95.760% | 1.014% | 1.01400% |  | Initial |
| 53 | XX | XX | XX | Original Note Doc Date | XX | XX | XX |  |  | Initial |
| 53 | XX | XX | XX | Original Standard LTV (OLTV) | 96.774% | 0.000% | 96.774% | 96.77400% |  | Initial |
| 53 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 53 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 53 | XX | XX | XX | Stated Remaining Term | 74 | 367 | -293 | -79.83651% |  | Initial |
| 50 | XX | XX | XX | Amortized Remaining Term | 82 | 75 | 7 | 9.33333% |  | Initial |
| 50 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 50 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 50 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 174 | 186 | 106.89655% |  | Initial |
| 50 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 50 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 50 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 47.36842% |  | Initial |
| 50 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | 0.00058% |  | Initial |
| 50 | XX | XX | XX | Original CLTV Ratio Percent | 95.356% | 140.520% | -45.164% | -45.16400% |  | Initial |
| 50 | XX | XX | XX | Original Note Doc Date | XX | XX | XX |  |  | Initial |
| 50 | XX | XX | XX | Original Standard LTV (OLTV) | 95.356% | 0.000% | 95.356% | 95.35600% |  | Initial |
| 50 | XX | XX | XX | Original Stated Rate | 11.99400% | 9.03400% | 2.96000% | 2.96000% |  | Initial |
| 50 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 49 | XX | XX | XX | Amortized Remaining Term | 41 | 367 | -326 | -88.82833% |  | Initial |
| 49 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 49 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 49 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 49 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 49 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 49 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -1.78571% |  | Initial |
| 49 | XX | XX | XX | Original CLTV Ratio Percent | 109.777% | 138.010% | -28.233% | -28.23300% |  | Initial |
| 49 | XX | XX | XX | Original Note Doc Date | XX | XX | XX |  |  | Initial |
| 49 | XX | XX | XX | Original Standard LTV (OLTV) | 109.777% | 0.000% | 109.777% | 109.77700% |  | Initial |
| 49 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 49 | XX | XX | XX | Stated Remaining Term | 41 | 364 | -323 | -88.73626% |  | Initial |
| 47 | XX | XX | XX | Amortized Remaining Term | 25 | 101 | -76 | -75.24752% |  | Initial |
| 47 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 47 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 47 | XX | XX | XX | Loan Original Maturity Term Months | 300 | 180 | 120 | 66.66666% |  | Initial |
| 47 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 47 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 47 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 47 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 46.15384% |  | Initial |
| 47 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00047% |  | Initial |
| 47 | XX | XX | XX | Original CLTV Ratio Percent | 102.109% | 149.240% | -47.131% | -47.13100% |  | Initial |
| 47 | XX | XX | XX | Original Note Doc Date | XX | XX | XX |  |  | Initial |
| 47 | XX | XX | XX | Original Standard LTV (OLTV) | 102.109% | 0.000% | 102.109% | 102.10900% |  | Initial |
| 47 | XX | XX | XX | Original Stated Rate | 10.95000% | 10.20000% | 0.75000% | 0.75000% |  | Initial |
| 47 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 47 | XX | XX | XX | Stated Remaining Term | 25 | 102 | -77 | -75.49019% |  | Initial |
| 43 | XX | XX | XX | Amortized Remaining Term | 85 | 197 | -112 | -56.85279% |  | Initial |
| 43 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 43 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 43 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 332 | 28 | 8.43373% |  | Initial |
| 43 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 43 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 43 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 43 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -26.71755% |  | Initial |
| 43 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00043% |  | Initial |
| 43 | XX | XX | XX | Original CLTV Ratio Percent | 107.816% | 79.010% | 28.806% | 28.80600% |  | Initial |
| 43 | XX | XX | XX | Original Note Doc Date | XX | XX | XX |  |  | Initial |
| 43 | XX | XX | XX | Original Standard LTV (OLTV) | 107.816% | 0.000% | 107.816% | 107.81600% |  | Initial |
| 43 | XX | XX | XX | Original Stated Rate | 10.94900% | 3.98000% | 6.96900% | 6.96900% |  | Initial |
| 43 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 43 | XX | XX | XX | Stated Remaining Term | 85 | 219 | -134 | -61.18721% |  | Initial |
| 36 | XX | XX | XX | Amortized Remaining Term | 138 | 135 | 3 | 2.22222% |  | Initial |
| 36 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 36 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 36 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 11/24/2007 |  |  |  | Initial |
| 36 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 36 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 36 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 36 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 68.00000% |  | Initial |
| 36 | XX | XX | XX | Original CLTV Ratio Percent | 78.571% | 132.000% | -53.429% | -53.42900% |  | Initial |
| 36 | XX | XX | XX | Original Standard LTV (OLTV) | 78.571% | 0.000% | 78.571% | 78.57100% |  | Initial |
| 32 | XX | XX | XX | Amortized Remaining Term | 11 | 415 | -404 | -97.34939% |  | Initial |
| 32 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 32 | XX | XX | XX | Loan Original Maturity Term Months | 240 | 480 | -240 | -50.00000% |  | Initial |
| 32 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 32 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 32 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 32 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 25.00000% |  | Initial |
| 32 | XX | XX | XX | Original CLTV Ratio Percent | 77.273% | 96.590% | -19.317% | -19.31700% |  | Initial |
| 32 | XX | XX | XX | Original Standard LTV (OLTV) | 77.273% | 0.000% | 77.273% | 77.27300% |  | Initial |
| 32 | XX | XX | XX | Original Stated Rate | 11.75000% | 4.25000% | 7.50000% | 7.50000% |  | Initial |
| 32 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 32 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 32 | XX | XX | XX | Stated Remaining Term | 11 | 441 | -430 | -97.50566% |  | Initial |
| 29 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 29 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 29 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 6/X/2011 |  |  |  | Initial |
| 29 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 29 | XX | XX | XX | Next Pay Change Date | 12/X/2024 | 6/X/2024 | 183 (Days) |  |  | Initial |
| 29 | XX | XX | XX | Next Rate Change Date | 11/X/2024 | 5/X/2024 | 184 (Days) |  |  | Initial |
| 29 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 29 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 48.00000% |  | Initial |
| 29 | XX | XX | XX | Original CLTV Ratio Percent | 59.297% | 87.760% | -28.463% | -28.46300% |  | Initial |
| 29 | XX | XX | XX | Original Standard LTV (OLTV) | 59.297% | 0.000% | 59.297% | 59.29700% |  | Initial |
| 28 | XX | XX | XX | Amortized Remaining Term | 121 | 120 | 1 | 0.83333% |  | Initial |
| 28 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 28 | XX | XX | XX | First Pay Change Date | 6/28/2005 | 6/27/2005 | 1 (Days) |  |  | Initial |
| 28 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 28 | XX | XX | XX | First Rate Change Date | 5/28/2005 | 5/27/2005 | 1 (Days) |  |  | Initial |
| 28 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 6/27/2005 |  |  |  | Initial |
| 28 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 28 | XX | XX | XX | Next Pay Change Date | 6/28/2024 | 6/27/2024 | 1 (Days) |  |  | Initial |
| 28 | XX | XX | XX | Next Rate Change Date | 5/28/2025 | 5/27/2024 | 366 (Days) |  |  | Initial |
| 28 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 28 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 28.20512% |  | Initial |
| 28 | XX | XX | XX | Original CLTV Ratio Percent | 65.800% | 84.360% | -18.560% | -18.56000% |  | Initial |
| 28 | XX | XX | XX | Original Standard LTV (OLTV) | 65.800% | 0.000% | 65.800% | 65.80000% |  | Initial |
| 28 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 28 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 28 | XX | XX | XX | Subject Property Type | Manufactured Housing | Single Family |  |  |  | Initial |
| 27 | XX | XX | XX | Amortized Remaining Term | 104 | 463 | -359 | -77.53779% |  | Initial |
| 27 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 27 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 27 | XX | XX | XX | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 27 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 27 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 27 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 27 | XX | XX | XX | Original CLTV Ratio Percent | 24.444% | 24.440% | 0.004% | 0.00400% |  | Initial |
| 27 | XX | XX | XX | Original Standard LTV (OLTV) | 24.444% | 0.000% | 24.444% | 24.44400% |  | Initial |
| 27 | XX | XX | XX | Original Stated Rate | 7.99000% | 5.50000% | 2.49000% | 2.49000% |  | Initial |
| 27 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 27 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 27 | XX | XX | XX | Stated Remaining Term | 104 | 463 | -359 | -77.53779% |  | Initial |
| 26 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 26 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 26 | XX | XX | XX | Escrow Account Indicator | No | Yes |  |  |  | Initial |
| 26 | XX | XX | XX | First Pay Change Date | 6/16/2002 | 6/21/2002 | -5 (Days) |  |  | Initial |
| 26 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 26 | XX | XX | XX | First Rate Change Date | 5/16/2002 | 5/21/2002 | -5 (Days) |  |  | Initial |
| 26 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 6/21/2002 |  |  |  | Initial |
| 26 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 26 | XX | XX | XX | Next Pay Change Date | 6/16/2025 | 6/21/2024 | 360 (Days) |  |  | Initial |
| 26 | XX | XX | XX | Next Rate Change Date | 5/16/2025 | 5/21/2024 | 360 (Days) |  |  | Initial |
| 26 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 26 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -6.11961% |  | Initial |
| 26 | XX | XX | XX | Original CLTV Ratio Percent | 62.222% | 58.410% | 3.812% | 3.81200% |  | Initial |
| 26 | XX | XX | XX | Original Standard LTV (OLTV) | 62.222% | 0.000% | 62.222% | 62.22200% |  | Initial |
| 26 | XX | XX | XX | Original Stated Rate | 10.37000% | 10.37500% | -0.00500% | -0.00500% |  | Initial |
| 26 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 26 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 25 | XX | XX | XX | Amortized Remaining Term | 179 | 131 | 48 | 36.64122% |  | Initial |
| 25 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 25 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 25 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 25 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 25 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 25 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 38.88888% |  | Initial |
| 25 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | 0.00047% |  | Initial |
| 25 | XX | XX | XX | Original CLTV Ratio Percent | 73.684% | 102.340% | -28.656% | -28.65600% |  | Initial |
| 25 | XX | XX | XX | Original Standard LTV (OLTV) | 73.684% | 0.000% | 73.684% | 73.68400% |  | Initial |
| 25 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 24 | XX | XX | XX | Amortized Remaining Term | 178 | 189 | -11 | -5.82010% |  | Initial |
| 24 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 24 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 24 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 24 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 24 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 24 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -1.13636% |  | Initial |
| 24 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00043% |  | Initial |
| 24 | XX | XX | XX | Original CLTV Ratio Percent | 79.885% | 78.980% | 0.905% | 0.90500% |  | Initial |
| 24 | XX | XX | XX | Original Standard LTV (OLTV) | 79.885% | 0.000% | 79.885% | 79.88500% |  | Initial |
| 24 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 22 | XX | XX | XX | Amortized Remaining Term | 151 | 132 | 19 | 14.39393% |  | Initial |
| 22 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 22 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 22 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 22 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 22 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 22 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 22 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -14.85507% |  | Initial |
| 22 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | 0.00017% |  | Initial |
| 22 | XX | XX | XX | Original CLTV Ratio Percent | 80.678% | 68.690% | 11.988% | 11.98800% |  | Initial |
| 22 | XX | XX | XX | Original Standard LTV (OLTV) | 80.678% | 0.000% | 80.678% | 80.67800% |  | Initial |
| 22 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 22 | XX | XX | XX | Stated Remaining Term | 151 | 152 | -1 | -0.65789% |  | Initial |
| 19 | XX | XX | XX | Amortized Remaining Term | 115 | 113 | 2 | 1.76991% |  | Initial |
| 19 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 19 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 19 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 19 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 19 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 19 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | 0.00070% |  | Initial |
| 19 | XX | XX | XX | Original CLTV Ratio Percent | 64.211% | 64.210% | 0.001% | 0.00100% |  | Initial |
| 19 | XX | XX | XX | Original Standard LTV (OLTV) | 64.211% | 0.000% | 64.211% | 64.21100% |  | Initial |
| 19 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 16 | XX | XX | XX | Amortized Remaining Term | -9 | 443 | -452 | -102.03160% |  | Initial |
| 16 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 16 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 16 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 16 | XX | XX | XX | Loan Original Maturity Term Months | 180 | 480 | -300 | -62.50000% |  | Initial |
| 16 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 16 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 16 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 16 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 64.00000% |  | Initial |
| 16 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00034% |  | Initial |
| 16 | XX | XX | XX | Original CLTV Ratio Percent | 105.435% | 172.910% | -67.475% | -67.47500% |  | Initial |
| 16 | XX | XX | XX | Original Standard LTV (OLTV) | 105.435% | 0.000% | 105.435% | 105.43500% |  | Initial |
| 16 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 16 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 16 | XX | XX | XX | Stated Remaining Term | -9 | 443 | -452 | -102.03160% |  | Initial |
| 14 | XX | XX | XX | Amortized Remaining Term | 169 | 166 | 3 | 1.80722% |  | Initial |
| 14 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 14 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 14 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 14 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 14 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 14 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00029% |  | Initial |
| 14 | XX | XX | XX | Original CLTV Ratio Percent | 100.065% | 94.180% | 5.885% | 5.88500% |  | Initial |
| 14 | XX | XX | XX | Original Standard LTV (OLTV) | 100.065% | 0.000% | 100.065% | 100.06500% |  | Initial |
| 14 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 10 | XX | XX | XX | Amortized Remaining Term | 153 | 146 | 7 | 4.79452% |  | Initial |
| 10 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 10 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 10 | XX | XX | XX | Borrower Last Name | XX | XX |  |  |  | Initial |
| 10 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 10 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 10 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 10 | XX | XX | XX | Number Of Units | 2 | 1 | 1 | 100.00000% |  | Initial |
| 10 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 10 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 77.63157% |  | Initial |
| 10 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00016% |  | Initial |
| 10 | XX | XX | XX | Original CLTV Ratio Percent | 71.716% | 127.390% | -55.674% | -55.67400% |  | Initial |
| 10 | XX | XX | XX | Original Standard LTV (OLTV) | 71.716% | 0.000% | 71.716% | 71.71600% |  | Initial |
| 10 | XX | XX | XX | Original Stated Rate | 7.90000% | 6.10000% | 1.80000% | 1.80000% |  | Initial |
| 10 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 10 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 6 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 6 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 6 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 6 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 6 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 6 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 6 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -12.56830% |  | Initial |
| 6 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00043% |  | Initial |
| 6 | XX | XX | XX | Original CLTV Ratio Percent | 79.161% | 69.210% | 9.951% | 9.95100% |  | Initial |
| 6 | XX | XX | XX | Original Note Doc Date | XX | XX | XX |  |  | Initial |
| 6 | XX | XX | XX | Original Standard LTV (OLTV) | 79.161% | 0.000% | 79.161% | 79.16100% |  | Initial |
| 6 | XX | XX | XX | Original Stated Rate | 10.24000% | 7.24000% | 3.00000% | 3.00000% |  | Initial |
| 6 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 4 | XX | XX | XX | Amortized Remaining Term | 141 | 154 | -13 | -8.44155% |  | Initial |
| 4 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 4 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 4 | XX | XX | XX | Borrower Last Name | XX | XX |  |  |  | Initial |
| 4 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 4 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 270 | 90 | 33.33333% |  | Initial |
| 4 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 4 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 4 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00016% |  | Initial |
| 4 | XX | XX | XX | Original Standard LTV (OLTV) | 175.440% | 0.000% | 175.440% | 175.44000% |  | Initial |
| 4 | XX | XX | XX | Original Stated Rate | 11.89000% | 4.19000% | 7.70000% | 7.70000% |  | Initial |
| 4 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 4 | XX | XX | XX | Stated Remaining Term | 141 | 154 | -13 | -8.44155% |  | Initial |
| 285 | XX | XX | XX | Amortized Remaining Term | 156 | 342 | -186 | -54.38596% |  | Initial |
| 285 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 285 | XX | XX | XX | Escrow Account Indicator | No | Yes |  |  |  | Initial |
| 285 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 480 | -120 | -25.00000% |  | Initial |
| 285 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 285 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 285 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 285 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 143.75000% |  | Initial |
| 285 | XX | XX | XX | Original Standard LTV (OLTV) | 98.291% | 0.000% | 98.291% | 98.29100% |  | Initial |
| 285 | XX | XX | XX | Original Stated Rate | 9.95000% | 4.20000% | 5.75000% | 5.75000% |  | Initial |
| 285 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 285 | XX | XX | XX | Stated Remaining Term | 156 | 363 | -207 | -57.02479% |  | Initial |
| 279 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 279 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 279 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 279 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -11.03448% |  | Initial |
| 279 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 88.970% | 11.030% | 11.03000% |  | Initial |
| 279 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 279 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| Dropped | XX | XX | XX | Amortized Remaining Term | 152 | 120 | 32 | 26.66666% |  | Initial |
| Dropped | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| Dropped | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Original Appraised Value | XX | XX | XX | 33.04347% |  | Initial |
| Dropped | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 133.040% | -33.040% | -33.04000% |  | Initial |
| Dropped | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 267 | XX | XX | XX | Amortized Remaining Term | 148 | 313 | -165 | -52.71565% |  | Initial |
| 267 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 267 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 422 | -62 | -14.69194% |  | Initial |
| 267 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 267 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 267 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 16.66666% |  | Initial |
| 267 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 116.670% | -16.670% | -16.67000% |  | Initial |
| 267 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 267 | XX | XX | XX | Original Stated Rate | 9.29000% | 6.84200% | 2.44800% | 2.44800% |  | Initial |
| 267 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 267 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 267 | XX | XX | XX | Stated Remaining Term | 148 | 313 | -165 | -52.71565% |  | Initial |
| 264 | XX | XX | XX | Amortized Remaining Term | 148 | 194 | -46 | -23.71134% |  | Initial |
| 264 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 264 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 264 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 264 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -26.26728% |  | Initial |
| 264 | XX | XX | XX | Original CLTV Ratio Percent | 98.125% | 101.950% | -3.825% | -3.82500% |  | Initial |
| 264 | XX | XX | XX | Original Standard LTV (OLTV) | 98.125% | 0.000% | 98.125% | 98.12500% |  | Initial |
| 264 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 264 | XX | XX | XX | Stated Remaining Term | 148 | 196 | -48 | -24.48979% |  | Initial |
| 263 | XX | XX | XX | Amortized Remaining Term | 148 | 150 | -2 | -1.33333% |  | Initial |
| 263 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 263 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 263 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 263 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 263 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 263 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 9.23076% |  | Initial |
| 263 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 109.230% | -9.230% | -9.23000% |  | Initial |
| 263 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 263 | XX | XX | XX | Original Stated Rate | 9.20000% | 5.25000% | 3.95000% | 3.95000% |  | Initial |
| 261 | XX | XX | XX | Amortized Remaining Term | 146 | 174 | -28 | -16.09195% |  | Initial |
| 261 | XX | XX | XX | Borrower Last Name | XX | XX |  |  |  | Initial |
| 261 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 261 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 261 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 261 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 17.07317% |  | Initial |
| 261 | XX | XX | XX | Original CLTV Ratio Percent | 90.000% | 105.370% | -15.370% | -15.37000% |  | Initial |
| 261 | XX | XX | XX | Original Standard LTV (OLTV) | 90.000% | 0.000% | 90.000% | 90.00000% |  | Initial |
| 261 | XX | XX | XX | Original Stated Rate | 10.25000% | 10.12500% | 0.12500% | 0.12500% |  | Initial |
| 261 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 260 | XX | XX | XX | Amortized Remaining Term | 268 | 269 | -1 | -0.37174% |  | Initial |
| 260 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 260 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 9/X/2009 |  |  |  | Initial |
| 260 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 260 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 260 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 94.290% | 5.710% | 5.71000% |  | Initial |
| 260 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 260 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 260 | XX | XX | XX | Rate Adjustment Subsequent Cap Percent | 1.000% | 3.000% | -2.000% | -2.00000% |  | Initial |
| 257 | XX | XX | XX | Amortized Remaining Term | 146 | 142 | 4 | 2.81690% |  | Initial |
| 257 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 257 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 257 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 262 | 98 | 37.40458% |  | Initial |
| 257 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 257 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 257 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 56.84210% |  | Initial |
| 257 | XX | XX | XX | Original CLTV Ratio Percent | 90.604% | 142.110% | -51.506% | -51.50600% |  | Initial |
| 257 | XX | XX | XX | Original Standard LTV (OLTV) | 90.604% | 0.000% | 90.604% | 90.60400% |  | Initial |
| 257 | XX | XX | XX | Original Stated Rate | 9.65000% | 8.00000% | 1.65000% | 1.65000% |  | Initial |
| 254 | XX | XX | XX | Amortized Remaining Term | 145 | 146 | -1 | -0.68493% | The amortized term months are 145. | Initial |
| 254 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  | NA. | Initial |
| 254 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  | NA. | Initial |
| 254 | XX | XX | XX | First Pay Change Date | 6/X/2009 | 6/X/2010 | -365 (Days) |  | The first pay change date is 6/X/2009. | Initial |
| 254 | XX | XX | XX | First Rate Change Date | 5/X/2009 | 5/X/2010 | -365 (Days) |  | The first rate change date is 5/X/2009. | Initial |
| 254 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 6/X/2010 |  |  | NA. | Initial |
| 254 | XX | XX | XX | Next Pay Change Date | 12/X/2024 | 6/X/2024 | 183 (Days) |  | The next pay change date is 12/X/2024. | Initial |
| 254 | XX | XX | XX | Next Rate Change Date | 11/X/2024 | 5/X/2024 | 184 (Days) |  | The next rate change date is 11/X/2024. | Initial |
| 254 | XX | XX | XX | Property Address Street | XX | XX |  |  | No discrepancy. | Initial |
| 254 | XX | XX | XX | Rate Adjustment Subsequent Cap Percent | 1.000% | 3.000% | -2.000% | -2.00000% | The cape percent rate is 1.00%. | Initial |
| 251 | XX | XX | XX | Amortized Remaining Term | 145 | 135 | 10 | 7.40740% |  | Initial |
| 251 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 251 | XX | XX | XX | Balloon Indicator | Yes | No |  |  |  | Initial |
| 251 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 251 | XX | XX | XX | Borrower Last Name | XX | XX |  |  |  | Initial |
| 251 | XX | XX | XX | Loan Original Maturity Term Months | 180 | 360 | -180 | -50.00000% |  | Initial |
| 251 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 251 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 251 | XX | XX | XX | Original CLTV Ratio Percent | 137.299% | 137.300% | -0.001% | -0.00100% |  | Initial |
| 251 | XX | XX | XX | Original Standard LTV (OLTV) | 137.299% | 0.000% | 137.299% | 137.29900% |  | Initial |
| 251 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 251 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 251 | XX | XX | XX | Stated Remaining Term | -35 | 145 | -180 | -124.13793% |  | Initial |
| 250 | XX | XX | XX | Amortized Remaining Term | 145 | 134 | 11 | 8.20895% |  | Initial |
| 250 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 250 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 250 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 250 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 250 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 63.63636% |  | Initial |
| 250 | XX | XX | XX | Original CLTV Ratio Percent | 95.556% | 156.360% | -60.804% | -60.80400% |  | Initial |
| 250 | XX | XX | XX | Original Standard LTV (OLTV) | 95.556% | 0.000% | 95.556% | 95.55600% |  | Initial |
| 249 | XX | XX | XX | Amortized Remaining Term | 145 | 157 | -12 | -7.64331% |  | Initial |
| 249 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 249 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 249 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 249 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 249 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 249 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 106.910% | -6.910% | -6.91000% |  | Initial |
| 249 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 243 | XX | XX | XX | Amortized Remaining Term | 145 | 152 | -7 | -4.60526% |  | Initial |
| 243 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 243 | XX | XX | XX | Borrower First Name | XX | XX |  |  |  | Initial |
| 243 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 243 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 243 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 243 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 89.130% | 10.870% | 10.87000% |  | Initial |
| 243 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 243 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 242 | XX | XX | XX | Amortized Remaining Term | 204 | 135 | 69 | 51.11111% |  | Initial |
| 242 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 242 | XX | XX | XX | Balloon Indicator | Yes | No |  |  |  | Initial |
| 242 | XX | XX | XX | Interest Only Period? | Yes | No |  |  |  | Initial |
| 242 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 242 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 242 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 26.75675% |  | Initial |
| 242 | XX | XX | XX | Original CLTV Ratio Percent | 80.000% | 101.410% | -21.410% | -21.41000% |  | Initial |
| 242 | XX | XX | XX | Original Standard LTV (OLTV) | 80.000% | 0.000% | 80.000% | 80.00000% |  | Initial |
| 242 | XX | XX | XX | Original Stated Rate | 8.10000% | 4.05700% | 4.04300% | 4.04300% |  | Initial |
| 241 | XX | XX | XX | Amortized Remaining Term | 144 | 90 | 54 | 60.00000% |  | Initial |
| 241 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 241 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 241 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 241 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 241 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 36.84210% |  | Initial |
| 241 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 136.840% | -36.840% | -36.84000% |  | Initial |
| 241 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 240 | XX | XX | XX | Borrower #2 First Name | XX | XX |  |  |  | Initial |
| 240 | XX | XX | XX | Borrower First Name | XX | XX |  |  |  | Initial |
| 240 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 4/16/2009 |  |  |  | Initial |
| 240 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 240 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 240 | XX | XX | XX | Original CLTV Ratio Percent | 95.000% | 123.500% | -28.500% | -28.50000% |  | Initial |
| 240 | XX | XX | XX | Original Standard LTV (OLTV) | 95.000% | 0.000% | 95.000% | 95.00000% |  | Initial |
| 240 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 232 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 232 | XX | XX | XX | Borrower #2 First Name | XX | XX |  |  |  | Initial |
| 232 | XX | XX | XX | Borrower First Name | XX | XX |  |  |  | Initial |
| 232 | XX | XX | XX | Interest Only Expiration Date | 3/X/2011 | 4/X/2009 | 699 (Days) |  |  | Initial |
| 232 | XX | XX | XX | Interest Only Period? | Yes | No |  |  |  | Initial |
| 232 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 232 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 232 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 40.90909% |  | Initial |
| 232 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 140.910% | -40.910% | -40.91000% |  | Initial |
| 232 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 232 | XX | XX | XX | Original Stated P&I | $1632.50 | $1181.88 | $450.62 | 38.12739% |  | Initial |
| 232 | XX | XX | XX | Purpose of Refinance Per HUD-1 | Debt consolidation | Cash Out - Other |  |  |  | Initial |
| 232 | XX | XX | XX | Rate Adjustment Subsequent Cap Percent | 1.000% | 2.000% | -1.000% | -1.00000% |  | Initial |
| 231 | XX | XX | XX | Amortized Remaining Term | 144 | 150 | -6 | -4.00000% |  | Initial |
| 231 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 231 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 231 | XX | XX | XX | Borrower Last Name | XX | XX |  |  |  | Initial |
| 231 | XX | XX | XX | Escrow Account Indicator | Yes | No |  |  |  | Initial |
| 231 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 231 | XX | XX | XX | Original CLTV Ratio Percent | 116.379% | 116.380% | -0.001% | -0.00100% |  | Initial |
| 231 | XX | XX | XX | Original Standard LTV (OLTV) | 116.379% | 0.000% | 116.379% | 116.37900% |  | Initial |
| 231 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 228 | XX | XX | XX | Amortized Remaining Term | 142 | 143 | -1 | -0.69930% |  | Initial |
| 228 | XX | XX | XX | Borrower First Name | XX | XX |  |  |  | Initial |
| 228 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 1/20/2009 |  |  |  | Initial |
| 228 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 228 | XX | XX | XX | Original CLTV Ratio Percent | Unavailable | 87.600% |  |  |  | Initial |
| 228 | XX | XX | XX | Original Standard LTV (OLTV) | 89.388% | 0.000% | 89.388% | 89.38800% |  | Initial |
| 228 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 228 | XX | XX | XX | Rate Adjustment Subsequent Cap Percent | 1.000% | 3.000% | -2.000% | -2.00000% |  | Initial |
| 222 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 222 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 1/X/2008 |  |  |  | Initial |
| 222 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 222 | XX | XX | XX | Next Rate Change Date | 12/X/2024 | 6/X/2024 | 183 (Days) |  |  | Initial |
| 222 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 222 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 31.57894% |  | Initial |
| 222 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 131.580% | -31.580% | -31.58000% |  | Initial |
| 222 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 222 | XX | XX | XX | Original Stated P&I | $965.57 | $965.37 | $0.20 | 0.02071% |  | Initial |
| 222 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 222 | XX | XX | XX | Servicing Look Back Days | First Business Day of Preceding Month | 45 Days |  |  |  | Initial |
| Dropped | XX | XX | XX | Amortized Remaining Term | 140 | 141 | -1 | -0.70921% |  | Initial |
| Dropped | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| Dropped | XX | XX | XX | Loan Original Maturity Term Months | 360 | 258 | 102 | 39.53488% |  | Initial |
| Dropped | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| Dropped | XX | XX | XX | Original Appraised Value | XX | XX | XX | 28.75000% |  | Initial |
| Dropped | XX | XX | XX | Original CLTV Ratio Percent | 95.000% | 122.310% | -27.310% | -27.31000% |  | Initial |
| Dropped | XX | XX | XX | Original Standard LTV (OLTV) | 95.000% | 0.000% | 95.000% | 95.00000% |  | Initial |
| Dropped | XX | XX | XX | Original Stated Rate | 7.89000% | 3.77800% | 4.11200% | 4.11200% |  | Initial |
| 218 | XX | XX | XX | Amortized Remaining Term | 139 | 170 | -31 | -18.23529% |  | Initial |
| 218 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 218 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 218 | XX | XX | XX | Escrow Account Indicator | Yes | No |  |  |  | Initial |
| 218 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 218 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 214 | 146 | 68.22429% |  | Initial |
| 218 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 218 | XX | XX | XX | Number Of Units | 2 | 1 | 1 | 100.00000% |  | Initial |
| 218 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 218 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 143.75000% |  | Initial |
| 218 | XX | XX | XX | Original CLTV Ratio Percent | 80.000% | 195.000% | -115.000% | -115.00000% |  | Initial |
| 218 | XX | XX | XX | Original Standard LTV (OLTV) | 80.000% | 0.000% | 80.000% | 80.00000% |  | Initial |
| 210 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 210 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 210 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 210 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 210 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 12.50000% |  | Initial |
| 210 | XX | XX | XX | Original CLTV Ratio Percent | 88.148% | 99.170% | -11.022% | -11.02200% |  | Initial |
| 210 | XX | XX | XX | Original Standard LTV (OLTV) | 88.148% | 0.000% | 88.148% | 88.14800% |  | Initial |
| 210 | XX | XX | XX | Original Stated Rate | 8.80000% | 5.25000% | 3.55000% | 3.55000% |  | Initial |
| 209 | XX | XX | XX | Amortized Remaining Term | 138 | 143 | -5 | -3.49650% |  | Initial |
| 209 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 209 | XX | XX | XX | Borrower Last Name | XX | XX |  |  |  | Initial |
| 209 | XX | XX | XX | Interest Only Period? | Yes | No |  |  |  | Initial |
| 209 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 209 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 299 | 61 | 20.40133% |  | Initial |
| 209 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 209 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 209 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 29.92125% |  | Initial |
| 209 | XX | XX | XX | Original CLTV Ratio Percent | 80.000% | 103.940% | -23.940% | -23.94000% |  | Initial |
| 209 | XX | XX | XX | Original Standard LTV (OLTV) | 80.000% | 0.000% | 80.000% | 80.00000% |  | Initial |
| 209 | XX | XX | XX | Original Stated Rate | 6.99000% | 6.00000% | 0.99000% | 0.99000% |  | Initial |
| 207 | XX | XX | XX | Amortized Remaining Term | 137 | 138 | -1 | -0.72463% |  | Initial |
| 207 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 207 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 207 | XX | XX | XX | Borrower First Name | XX | XX |  |  |  | Initial |
| 207 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 10/X/2007 |  |  |  | Initial |
| 207 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 207 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 207 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 46.87500% |  | Initial |
| 207 | XX | XX | XX | Original CLTV Ratio Percent | 80.000% | 117.500% | -37.500% | -37.50000% |  | Initial |
| 207 | XX | XX | XX | Original Standard LTV (OLTV) | 80.000% | 0.000% | 80.000% | 80.00000% |  | Initial |
| 207 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 207 | XX | XX | XX | Rate Adjustment Subsequent Cap Percent | 1.000% | 3.000% | -2.000% | -2.00000% |  | Initial |
| 203 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 203 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 203 | XX | XX | XX | Borrower First Name | XX | XX |  |  |  | Initial |
| 203 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 5/X/2007 |  |  |  | Initial |
| 203 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 203 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 203 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 152.380% | -52.380% | -52.38000% |  | Initial |
| 203 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 203 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 203 | XX | XX | XX | Rate Adjustment Subsequent Cap Percent | 1.000% | 3.000% | -2.000% | -2.00000% |  | Initial |
| 201 | XX | XX | XX | Amortized Remaining Term | 135 | 119 | 16 | 13.44537% |  | Initial |
| 201 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 201 | XX | XX | XX | Escrow Account Indicator | Yes | No |  |  |  | Initial |
| 201 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 201 | XX | XX | XX | Original CLTV Ratio Percent | 110.169% | 110.170% | -0.001% | -0.00100% |  | Initial |
| 201 | XX | XX | XX | Original Standard LTV (OLTV) | 110.169% | 0.000% | 110.169% | 110.16900% |  | Initial |
| 201 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 195 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 195 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 195 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 195 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 245 | 115 | 46.93877% |  | Initial |
| 195 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 195 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 195 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -12.79069% |  | Initial |
| 195 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 87.210% | 12.790% | 12.79000% |  | Initial |
| 195 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 195 | XX | XX | XX | Original Stated Rate | 7.30000% | 4.46600% | 2.83400% | 2.83400% |  | Initial |
| 195 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 193 | XX | XX | XX | Amortized Remaining Term | 128 | 129 | -1 | -0.77519% |  | Initial |
| 193 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 193 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 255 | 105 | 41.17647% |  | Initial |
| 193 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 193 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 193 | XX | XX | XX | Original Standard LTV (OLTV) | 81.750% | 0.000% | 81.750% | 81.75000% |  | Initial |
| 192 | XX | XX | XX | Amortized Remaining Term | 129 | 130 | -1 | -0.76923% |  | Initial |
| 192 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 192 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 192 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 246 | 114 | 46.34146% |  | Initial |
| 192 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 192 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 192 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 192 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 46.66666% |  | Initial |
| 192 | XX | XX | XX | Original CLTV Ratio Percent | 71.818% | 105.330% | -33.512% | -33.51200% |  | Initial |
| 192 | XX | XX | XX | Original Standard LTV (OLTV) | 71.818% | 0.000% | 71.818% | 71.81800% |  | Initial |
| 192 | XX | XX | XX | Original Stated Rate | 7.05000% | 4.17000% | 2.88000% | 2.88000% |  | Initial |
| 192 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 185 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 185 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 185 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 3/X/2007 |  |  |  | Initial |
| 185 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 185 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 185 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 35.80246% |  | Initial |
| 185 | XX | XX | XX | Original CLTV Ratio Percent | 87.818% | 119.260% | -31.442% | -31.44200% |  | Initial |
| 185 | XX | XX | XX | Original Standard LTV (OLTV) | 87.818% | 0.000% | 87.818% | 87.81800% |  | Initial |
| 185 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 185 | XX | XX | XX | Servicing Look Back Days | First Business Day of Preceding Month | 45 Days |  |  |  | Initial |
| 182 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 182 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 182 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 182 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 233 | 127 | 54.50643% |  | Initial |
| 182 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 182 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 182 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -8.22784% |  | Initial |
| 182 | XX | XX | XX | Original CLTV Ratio Percent | 55.172% | 50.630% | 4.542% | 4.54200% |  | Initial |
| 182 | XX | XX | XX | Original Standard LTV (OLTV) | 55.172% | 0.000% | 55.172% | 55.17200% |  | Initial |
| 182 | XX | XX | XX | Original Stated Rate | 10.75000% | 5.04199% | 5.70801% | 5.70801% |  | Initial |
| 180 | XX | XX | XX | Amortized Remaining Term | 126 | 113 | 13 | 11.50442% |  | Initial |
| 180 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 180 | XX | XX | XX | Borrower #2 First Name | XX | XX |  |  |  | Initial |
| 180 | XX | XX | XX | Borrower First Name | XX | XX |  |  |  | Initial |
| 180 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 180 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 180 | XX | XX | XX | Original CLTV Ratio Percent | 120.638% | 120.640% | -0.002% | -0.00200% |  | Initial |
| 180 | XX | XX | XX | Original Standard LTV (OLTV) | 120.638% | 0.000% | 120.638% | 120.63800% |  | Initial |
| 180 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 179 | XX | XX | XX | Amortized Remaining Term | 128 | 124 | 4 | 3.22580% |  | Initial |
| 179 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 179 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 179 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 179 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 179 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 111.11111% |  | Initial |
| 179 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 179 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 178 | XX | XX | XX | Amortized Remaining Term | 129 | 123 | 6 | 4.87804% |  | Initial |
| 178 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 178 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 178 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 178 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 178 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 21.05263% |  | Initial |
| 178 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 115.790% | -15.790% | -15.79000% |  | Initial |
| 178 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 178 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 177 | XX | XX | XX | Amortized Remaining Term | 128 | 355 | -227 | -63.94366% |  | Initial |
| 177 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 177 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 177 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 438 | -78 | -17.80821% |  | Initial |
| 177 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 177 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 177 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 20.00000% |  | Initial |
| 177 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 120.000% | -20.000% | -20.00000% |  | Initial |
| 177 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 177 | XX | XX | XX | Original Stated Rate | 8.35000% | 5.00000% | 3.35000% | 3.35000% |  | Initial |
| 177 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 177 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 177 | XX | XX | XX | Stated Remaining Term | 128 | 350 | -222 | -63.42857% |  | Initial |
| 175 | XX | XX | XX | Amortized Remaining Term | 127 | 114 | 13 | 11.40350% |  | Initial |
| 175 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 175 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 175 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 175 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 175 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 175 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -14.28571% |  | Initial |
| 175 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 85.710% | 14.290% | 14.29000% |  | Initial |
| 175 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 158 | XX | XX | XX | ARM Lifetime Floor Percent | 7.800% | 6.000% | 1.800% | 1.80000% |  | Initial |
| 158 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 158 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 7/X/2007 |  |  |  | Initial |
| 158 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 158 | XX | XX | XX | Next Pay Change Date | 1/X/2025 | 7/X/2024 | 184 (Days) |  |  | Initial |
| 158 | XX | XX | XX | Next Rate Change Date | 12/X/2024 | 6/X/2024 | 183 (Days) |  |  | Initial |
| 158 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 158 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 51.51515% |  | Initial |
| 158 | XX | XX | XX | Original CLTV Ratio Percent | 90.000% | 136.360% | -46.360% | -46.36000% |  | Initial |
| 158 | XX | XX | XX | Original Standard LTV (OLTV) | 90.000% | 0.000% | 90.000% | 90.00000% |  | Initial |
| 157 | XX | XX | XX | Amortized Remaining Term | 118 | 114 | 4 | 3.50877% |  | Initial |
| 157 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 157 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 157 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 157 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 157 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 18.51851% |  | Initial |
| 157 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 118.520% | -18.520% | -18.52000% |  | Initial |
| 157 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 157 | XX | XX | XX | Original Stated Rate | 9.99000% | 5.25000% | 4.74000% | 4.74000% |  | Initial |
| 157 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 154 | XX | XX | XX | Amortized Remaining Term | 119 | 117 | 2 | 1.70940% |  | Initial |
| 154 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 154 | XX | XX | XX | Borrower First Name | XX | XX |  |  |  | Initial |
| 154 | XX | XX | XX | Escrow Account Indicator | Yes | No |  |  |  | Initial |
| 154 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 154 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 154 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 154 | XX | XX | XX | Original CLTV Ratio Percent | 78.287% | 64.000% | 14.287% | 14.28700% |  | Initial |
| 154 | XX | XX | XX | Original Standard LTV (OLTV) | 78.287% | 0.000% | 78.287% | 78.28700% |  | Initial |
| 149 | XX | XX | XX | Amortized Remaining Term | 120 | 123 | -3 | -2.43902% |  | Initial |
| 149 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 149 | XX | XX | XX | Escrow Account Indicator | Yes | No |  |  |  | Initial |
| 149 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 149 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 149 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 149 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 172.730% | -72.730% | -72.73000% |  | Initial |
| 149 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| Dropped | XX | XX | XX | Amortized Remaining Term | 111 | 174 | -63 | -36.20689% |  | Initial |
| Dropped | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| Dropped | XX | XX | XX | Loan Original Maturity Term Months | 360 | 208 | 152 | 73.07692% |  | Initial |
| Dropped | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| Dropped | XX | XX | XX | Original Appraised Value | XX | XX | XX | 11.11111% |  | Initial |
| Dropped | XX | XX | XX | Original CLTV Ratio Percent | 85.000% | 94.440% | -9.440% | -9.44000% |  | Initial |
| Dropped | XX | XX | XX | Original Standard LTV (OLTV) | 85.000% | 0.000% | 85.000% | 85.00000% |  | Initial |
| Dropped | XX | XX | XX | Original Stated Rate | 10.30000% | 5.28700% | 5.01300% | 5.01300% |  | Initial |
| Dropped | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| Dropped | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| Dropped | XX | XX | XX | Stated Remaining Term | 111 | 174 | -63 | -36.20689% |  | Initial |
| 141 | XX | XX | XX | Amortized Remaining Term | 110 | 97 | 13 | 13.40206% |  | Initial |
| 141 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 141 | XX | XX | XX | Balloon Indicator | Yes | No |  |  |  | Initial |
| 141 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 141 | XX | XX | XX | Escrow Account Indicator | No | Yes |  |  |  | Initial |
| 141 | XX | XX | XX | Loan Original Maturity Term Months | 180 | 360 | -180 | -50.00000% |  | Initial |
| 141 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 141 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 141 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 141 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 38.63636% |  | Initial |
| 141 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 134.090% | -34.090% | -34.09000% |  | Initial |
| 141 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 141 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 141 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 141 | XX | XX | XX | Stated Remaining Term | -70 | 110 | -180 | -163.63636% |  | Initial |
| 140 | XX | XX | XX | Amortized Remaining Term | 110 | 114 | -4 | -3.50877% |  | Initial |
| 140 | XX | XX | XX | Balloon Indicator | Yes | No |  |  |  | Initial |
| 140 | XX | XX | XX | Loan Original Maturity Term Months | 180 | 360 | -180 | -50.00000% |  | Initial |
| 140 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 140 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 140 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 13.10344% |  | Initial |
| 140 | XX | XX | XX | Original CLTV Ratio Percent | Unavailable | 113.100% |  |  |  | Initial |
| 140 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 140 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 140 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 140 | XX | XX | XX | Stated Remaining Term | -70 | 110 | -180 | -163.63636% |  | Initial |
| 136 | XX | XX | XX | Amortized Remaining Term | 105 | 353 | -248 | -70.25495% |  | Initial |
| 136 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 136 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 136 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 450 | -90 | -20.00000% |  | Initial |
| 136 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 136 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 136 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 136 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 1.91082% |  | Initial |
| 136 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 101.910% | -1.910% | -1.91000% |  | Initial |
| 136 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 136 | XX | XX | XX | Original Stated Rate | 6.65000% | 5.26200% | 1.38800% | 1.38800% |  | Initial |
| 136 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 136 | XX | XX | XX | Stated Remaining Term | 105 | 352 | -247 | -70.17045% |  | Initial |
| 135 | XX | XX | XX | Amortized Remaining Term | 107 | 95 | 12 | 12.63157% |  | Initial |
| 135 | XX | XX | XX | Balloon Indicator | Yes | No |  |  |  | Initial |
| 135 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 135 | XX | XX | XX | Loan Original Maturity Term Months | 180 | 360 | -180 | -50.00000% |  | Initial |
| 135 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 135 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 135 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 135 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -26.47058% |  | Initial |
| 135 | XX | XX | XX | Original CLTV Ratio Percent | 75.000% | 55.150% | 19.850% | 19.85000% |  | Initial |
| 135 | XX | XX | XX | Original Standard LTV (OLTV) | 75.000% | 0.000% | 75.000% | 75.00000% |  | Initial |
| 135 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 135 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 135 | XX | XX | XX | Stated Remaining Term | -73 | 107 | -180 | -168.22429% |  | Initial |
| 134 | XX | XX | XX | Amortized Remaining Term | 104 | 102 | 2 | 1.96078% |  | Initial |
| 134 | XX | XX | XX | Borrower Last Name | XX | XX |  |  |  | Initial |
| 134 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 134 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 134 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 134 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 5.61797% |  | Initial |
| 134 | XX | XX | XX | Original CLTV Ratio Percent | 90.000% | 95.060% | -5.060% | -5.06000% |  | Initial |
| 134 | XX | XX | XX | Original Standard LTV (OLTV) | 90.000% | 0.000% | 90.000% | 90.00000% |  | Initial |
| 134 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 133 | XX | XX | XX | Amortized Remaining Term | 102 | 53 | 49 | 92.45283% |  | Initial |
| 133 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 133 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 248 | 112 | 45.16129% |  | Initial |
| 133 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 133 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 133 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -12.50000% |  | Initial |
| 133 | XX | XX | XX | Original CLTV Ratio Percent | 90.000% | 78.750% | 11.250% | 11.25000% |  | Initial |
| 133 | XX | XX | XX | Original Standard LTV (OLTV) | 90.000% | 0.000% | 90.000% | 90.00000% |  | Initial |
| 133 | XX | XX | XX | Original Stated Rate | 8.25000% | 7.10000% | 1.15000% | 1.15000% |  | Initial |
| 133 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| Dropped | XX | XX | XX | Amortized Remaining Term | 104 | 42 | 62 | 147.61904% |  | Initial |
| Dropped | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| Dropped | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| Dropped | XX | XX | XX | Loan Original Maturity Term Months | 360 | 253 | 107 | 42.29249% |  | Initial |
| Dropped | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| Dropped | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| Dropped | XX | XX | XX | Original Appraised Value | XX | XX | XX | -7.10382% |  | Initial |
| Dropped | XX | XX | XX | Original CLTV Ratio Percent | 70.000% | 65.030% | 4.970% | 4.97000% |  | Initial |
| Dropped | XX | XX | XX | Original Standard LTV (OLTV) | 70.000% | 0.000% | 70.000% | 70.00000% |  | Initial |
| Dropped | XX | XX | XX | Original Stated Rate | 13.25000% | 9.95000% | 3.30000% | 3.30000% |  | Initial |
| Dropped | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 131 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 131 | XX | XX | XX | ARM Lifetime Floor Percent | 11.750% | 11.000% | 0.750% | 0.75000% |  | Initial |
| 131 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 131 | XX | XX | XX | Borrower First Name | XX | XX |  |  |  | Initial |
| 131 | XX | XX | XX | First Rate Change Date | 10/X/2004 | 10/X/2004 | 5 (Days) |  |  | Initial |
| 131 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 11/X/2004 |  |  |  | Initial |
| 131 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 131 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 131 | XX | XX | XX | Original CLTV Ratio Percent | 81.077% | 83.650% | -2.573% | -2.57300% |  | Initial |
| 131 | XX | XX | XX | Original Standard LTV (OLTV) | 81.077% | 0.000% | 81.077% | 81.07700% |  | Initial |
| 131 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 131 | XX | XX | XX | Purpose of Refinance Per HUD-1 | Debt consolidation | Cash Out - Other |  |  |  | Initial |
| 131 | XX | XX | XX | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |
| 131 | XX | XX | XX | Rate Adjustment Subsequent Cap Percent | 1.000% | 2.000% | -1.000% | -1.00000% |  | Initial |
| 130 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 130 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 130 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 130 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 238 | 122 | 51.26050% |  | Initial |
| 130 | XX | XX | XX | Original CLTV Ratio Percent | Unavailable | 85.250% |  |  |  | Initial |
| 130 | XX | XX | XX | Original Standard LTV (OLTV) | 85.246% | 0.000% | 85.246% | 85.24600% |  | Initial |
| 130 | XX | XX | XX | Original Stated Rate | 9.45000% | 11.00000% | -1.55000% | -1.55000% |  | Initial |
| 130 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 124 | XX | XX | XX | Amortized Remaining Term | 95 | 339 | -244 | -71.97640% |  | Initial |
| 124 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 124 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 485 | -125 | -25.77319% |  | Initial |
| 124 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 124 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 124 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 124 | XX | XX | XX | Original Stated Rate | 10.40000% | 3.78000% | 6.62000% | 6.62000% |  | Initial |
| 124 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 124 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 124 | XX | XX | XX | Stated Remaining Term | 95 | 374 | -279 | -74.59893% |  | Initial |
| 117 | XX | XX | XX | Balloon Indicator | Yes | No |  |  |  | Initial |
| 117 | XX | XX | XX | Borrower Last Name | XX | XX |  |  |  | Initial |
| 117 | XX | XX | XX | Loan Original Maturity Term Months | 180 | 360 | -180 | -50.00000% |  | Initial |
| 117 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 117 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 117 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 117 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 1.44927% |  | Initial |
| 117 | XX | XX | XX | Original CLTV Ratio Percent | 90.000% | 91.300% | -1.300% | -1.30000% |  | Initial |
| 117 | XX | XX | XX | Original Standard LTV (OLTV) | 90.000% | 0.000% | 90.000% | 90.00000% |  | Initial |
| 117 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 117 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 117 | XX | XX | XX | Stated Remaining Term | -98 | 83 | -181 | -218.07228% |  | Initial |
| 112 | XX | XX | XX | Amortized Remaining Term | 83 | 84 | -1 | -1.19047% |  | Initial |
| 112 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 112 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 112 | XX | XX | XX | First Pay Change Date | 3/X/2003 | 3/X/2003 | -4 (Days) |  |  | Initial |
| 112 | XX | XX | XX | First Rate Change Date | 2/X/2003 | 2/X/2003 | -4 (Days) |  |  | Initial |
| 112 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 3/X/2003 |  |  |  | Initial |
| 112 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 112 | XX | XX | XX | Next Pay Change Date | 9/X/2024 | 9/X/2024 | -4 (Days) |  |  | Initial |
| 112 | XX | XX | XX | Next Rate Change Date | 8/X/2024 | 8/X/2024 | -4 (Days) |  |  | Initial |
| 112 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 112 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -15.67164% |  | Initial |
| 112 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 84.330% | 15.670% | 15.67000% |  | Initial |
| 112 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 0.000% | 100.000% | 100.00000% |  | Initial |
| 112 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 112 | XX | XX | XX | Rate Adjustment Subsequent Cap Percent | 1.000% | 2.000% | -1.000% | -1.00000% |  | Initial |
| 111 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 111 | XX | XX | XX | ARM Index Margin Percent | 8.600% | 8.060% | 0.540% | 0.54000% |  | Initial |
| 111 | XX | XX | XX | ARM Lifetime Floor Percent | 8.600% | 11.990% | -3.390% | -3.39000% |  | Initial |
| 111 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 111 | XX | XX | XX | Borrower First Name | XX | XX |  |  |  | Initial |
| 111 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 1/27/2003 |  |  |  | Initial |
| 111 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 111 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 111 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 28.57142% |  | Initial |
| 111 | XX | XX | XX | Original CLTV Ratio Percent | 102.242% | 131.450% | -29.208% | -29.20800% |  | Initial |
| 111 | XX | XX | XX | Original Standard LTV (OLTV) | 102.242% | 0.000% | 102.242% | 102.24200% |  | Initial |
| 111 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 111 | XX | XX | XX | Rate Adjustment Subsequent Cap Percent | 1.000% | 3.000% | -2.000% | -2.00000% |  | Initial |
| 108 | XX | XX | XX | Amortized Remaining Term | 80 | 64 | 16 | 25.00000% |  | Initial |
| 108 | XX | XX | XX | Borrower Last Name | XX | XX |  |  |  | Initial |
| 108 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 108 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 108 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 108 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -50.00000% |  | Initial |
| 108 | XX | XX | XX | Original CLTV Ratio Percent | 95.000% | 47.500% | 47.500% | 47.50000% |  | Initial |
| 108 | XX | XX | XX | Original Standard LTV (OLTV) | 95.000% | 0.000% | 95.000% | 95.00000% |  | Initial |
| 108 | XX | XX | XX | Original Stated Rate | 10.05000% | 9.40000% | 0.65000% | 0.65000% |  | Initial |
| 108 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 104 | XX | XX | XX | Amortized Remaining Term | 79 | 80 | -1 | -1.25000% |  | Initial |
| 104 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 104 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 104 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 12/X/2002 |  |  |  | Initial |
| 104 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 104 | XX | XX | XX | Next Pay Change Date | 12/X/2024 | 6/X/2024 | 183 (Days) |  |  | Initial |
| 104 | XX | XX | XX | Next Rate Change Date | 11/X/2024 | 5/X/2024 | 184 (Days) |  |  | Initial |
| 104 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 104 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -44.44444% |  | Initial |
| 104 | XX | XX | XX | Original CLTV Ratio Percent | 85.000% | 47.220% | 37.780% | 37.78000% |  | Initial |
| 104 | XX | XX | XX | Original Standard LTV (OLTV) | 85.000% | 0.000% | 85.000% | 85.00000% |  | Initial |
| 104 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 104 | XX | XX | XX | Rate Adjustment Subsequent Cap Percent | 1.500% | 3.000% | -1.500% | -1.50000% |  | Initial |
| 92 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 92 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 2/X/2003 |  |  |  | Initial |
| 92 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 92 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 92 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 46.80851% |  | Initial |
| 92 | XX | XX | XX | Original CLTV Ratio Percent | 82.000% | 120.380% | -38.380% | -38.38000% |  | Initial |
| 92 | XX | XX | XX | Original Standard LTV (OLTV) | 82.000% | 0.000% | 82.000% | 82.00000% |  | Initial |
| 92 | XX | XX | XX | Original Stated Rate | 8.99990% | 8.99900% | 0.00090% | 0.00090% |  | Initial |
| 92 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 15 | XX | XX | XX | Amortized Remaining Term | 97 | 101 | -4 | -3.96039% |  | Initial |
| 15 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 15 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 15 | XX | XX | XX | First Payment Date | XX | XX | XX |  |  | Initial |
| 15 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 15 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 15 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 15 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -3.57142% |  | Initial |
| 15 | XX | XX | XX | Original Balance (or Line Amount) | XX | XX | XX | -0.00102% |  | Initial |
| 15 | XX | XX | XX | Original CLTV Ratio Percent | 74.999% | 72.320% | 2.679% | 2.67900% |  | Initial |
| 15 | XX | XX | XX | Original Standard LTV (OLTV) | 74.999% | 72.320% | 2.679% | 2.67900% |  | Initial |
| 15 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 15 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 246 | XX | XX | XX | Amortized Remaining Term | 145 | 143 | 2 | 1.39860% |  | Initial |
| 246 | XX | XX | XX | ARM Lifetime Floor Percent | 7.690% | 9.690% | -2.000% | -2.00000% |  | Initial |
| 246 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 246 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 6/X/2009 |  |  |  | Initial |
| 246 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 246 | XX | XX | XX | Next Pay Change Date | 12/X/2024 | 6/X/2024 | 183 (Days) |  |  | Initial |
| 246 | XX | XX | XX | Next Rate Change Date | 11/X/2024 | 5/X/2024 | 184 (Days) |  |  | Initial |
| 246 | XX | XX | XX | Number Of Units | 2 | 1 | 1 | 100.00000% |  | Initial |
| 246 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 246 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 71.110% | 28.890% | 28.89000% |  | Initial |
| 246 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 71.110% | 28.890% | 28.89000% |  | Initial |
| 246 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 233 | XX | XX | XX | Amortized Remaining Term | 142 | 143 | -1 | -0.69930% |  | Initial |
| 233 | XX | XX | XX | Any Borrowers Foreign National Indicator | Unavailable | No |  |  |  | Initial |
| 233 | XX | XX | XX | ARM Interest Rate Rounding Factor | Round nearest 1/8 | Round nearest 1/4 |  |  |  | Initial |
| 233 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 233 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 3/X/2008 |  |  |  | Initial |
| 233 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 233 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 233 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -3.17460% |  | Initial |
| 233 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 96.830% | 3.170% | 3.17000% |  | Initial |
| 233 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 96.830% | 3.170% | 3.17000% |  | Initial |
| 233 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 233 | XX | XX | XX | Servicing Look Back Days | First Business Day of Preceding Month | 45 Days |  |  |  | Initial |
| 229 | XX | XX | XX | Amortized Remaining Term | 141 | 142 | -1 | -0.70422% |  | Initial |
| 229 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 229 | XX | XX | XX | ARM Interest Rate Rounding Factor | Round nearest 1/8 | Round nearest 1/4 |  |  |  | Initial |
| 229 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 229 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 2/17/2008 |  |  |  | Initial |
| 229 | XX | XX | XX | Original CLTV Ratio Percent | 100.588% | 100.590% | -0.002% | -0.00200% |  | Initial |
| 229 | XX | XX | XX | Original Standard LTV (OLTV) | 100.588% | 100.590% | -0.002% | -0.00200% |  | Initial |
| 229 | XX | XX | XX | Servicing Look Back Days | First Business Day of Preceding Month | 45 Days |  |  |  | Initial |
| 221 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 221 | XX | XX | XX | ARM Interest Rate Rounding Factor | Round nearest 1/8 | Round nearest 1/4 |  |  |  | Initial |
| 221 | XX | XX | XX | ARM Lifetime Floor Percent | 8.375% | 9.375% | -1.000% | -1.00000% |  | Initial |
| 221 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 221 | XX | XX | XX | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 221 | XX | XX | XX | First Pay Change Date | 12/X/2007 | 12/X/2008 | -366 (Days) |  |  | Initial |
| 221 | XX | XX | XX | First Rate Change Date | 11/X/2007 | 11/X/2008 | -366 (Days) |  |  | Initial |
| 221 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 12/X/2008 |  |  |  | Initial |
| 221 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 221 | XX | XX | XX | Next Pay Change Date | 12/X/2024 | 6/X/2024 | 183 (Days) |  |  | Initial |
| 221 | XX | XX | XX | Next Rate Change Date | 11/X/2024 | 5/X/2024 | 184 (Days) |  |  | Initial |
| 221 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 221 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 17.87439% |  | Initial |
| 221 | XX | XX | XX | Original CLTV Ratio Percent | 90.000% | 104.260% | -14.260% | -14.26000% |  | Initial |
| 221 | XX | XX | XX | Original Standard LTV (OLTV) | 90.000% | 104.260% | -14.260% | -14.26000% |  | Initial |
| 221 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 221 | XX | XX | XX | Property Postal Code | XX | XX |  |  |  | Initial |
| 221 | XX | XX | XX | Servicing Look Back Days | First Business Day of Preceding Month | 45 Days |  |  |  | Initial |
| 216 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 216 | XX | XX | XX | Borrower First Name | XX | XX |  |  |  | Initial |
| 216 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 12/X/2007 |  |  |  | Initial |
| 216 | XX | XX | XX | Next Pay Change Date | 12/X/2024 | 6/X/2024 | 183 (Days) |  |  | Initial |
| 216 | XX | XX | XX | Next Rate Change Date | 11/X/2024 | 5/X/2024 | 184 (Days) |  |  | Initial |
| 216 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 204 | XX | XX | XX | Amortized Remaining Term | 136 | 129 | 7 | 5.42635% |  | Initial |
| 204 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 204 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 204 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 204 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 204 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 204 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 81.820% | 18.180% | 18.18000% |  | Initial |
| 204 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 81.820% | 18.180% | 18.18000% |  | Initial |
| 204 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 199 | XX | XX | XX | Amortized Remaining Term | 134 | 352 | -218 | -61.93181% |  | Initial |
| 199 | XX | XX | XX | Amortized Term (Calculated) | 360 | 480 | -120 | -25.00000% |  | Initial |
| 199 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 199 | XX | XX | XX | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 199 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 199 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 480 | -120 | -25.00000% |  | Initial |
| 199 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 199 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 199 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 1.69491% |  | Initial |
| 199 | XX | XX | XX | Original CLTV Ratio Percent | 84.267% | 85.690% | -1.423% | -1.42300% |  | Initial |
| 199 | XX | XX | XX | Original Standard LTV (OLTV) | 84.267% | 85.690% | -1.423% | -1.42300% |  | Initial |
| 199 | XX | XX | XX | Original Stated P&I | $976.39 | $503.08 | $473.31 | 94.08245% |  | Initial |
| 199 | XX | XX | XX | Original Stated Rate | 8.55000% | 4.48000% | 4.07000% | 4.07000% |  | Initial |
| 199 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 199 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 199 | XX | XX | XX | Stated Remaining Term | 134 | 358 | -224 | -62.56983% |  | Initial |
| 198 | XX | XX | XX | Amortized Remaining Term | 133 | 131 | 2 | 1.52671% |  | Initial |
| 198 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 198 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 198 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 7/X/2007 |  |  |  | Initial |
| 198 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 198 | XX | XX | XX | Next Rate Change Date | 12/X/2024 | 6/X/2024 | 183 (Days) |  |  | Initial |
| 198 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 198 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 14.28571% |  | Initial |
| 198 | XX | XX | XX | Original CLTV Ratio Percent | 80.909% | 92.470% | -11.561% | -11.56100% |  | Initial |
| 198 | XX | XX | XX | Original Standard LTV (OLTV) | 80.909% | 92.470% | -11.561% | -11.56100% |  | Initial |
| 145 | XX | XX | XX | Amortized Remaining Term | 118 | 101 | 17 | 16.83168% |  | Initial |
| 145 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 145 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 145 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 145 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 145 | XX | XX | XX | Original CLTV Ratio Percent | 85.000% | 84.110% | 0.890% | 0.89000% |  | Initial |
| 145 | XX | XX | XX | Original Standard LTV (OLTV) | 85.000% | 84.110% | 0.890% | 0.89000% |  | Initial |
| 145 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 142 | XX | XX | XX | Amortized Remaining Term | 111 | 345 | -234 | -67.82608% |  | Initial |
| 142 | XX | XX | XX | Amortized Term (Calculated) | 360 | 480 | -120 | -25.00000% |  | Initial |
| 142 | XX | XX | XX | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 142 | XX | XX | XX | Loan Original Maturity Term Months | 360 | 480 | -120 | -25.00000% |  | Initial |
| 142 | XX | XX | XX | Neg. Amort Potential? | Not Applicable | No |  |  |  | Initial |
| 142 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 142 | XX | XX | XX | Original Appraised Value | XX | XX | XX | 19.59459% |  | Initial |
| 142 | XX | XX | XX | Original CLTV Ratio Percent | 100.000% | 119.590% | -19.590% | -19.59000% |  | Initial |
| 142 | XX | XX | XX | Original Standard LTV (OLTV) | 100.000% | 119.590% | -19.590% | -19.59000% |  | Initial |
| 142 | XX | XX | XX | Original Stated P&I | $1237.61 | $475.14 | $762.47 | 160.47270% |  | Initial |
| 142 | XX | XX | XX | Original Stated Rate | 7.50000% | 3.89000% | 3.61000% | 3.61000% |  | Initial |
| 142 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 142 | XX | XX | XX | Stated Maturity Date | XX | XX | XX |  |  | Initial |
| 142 | XX | XX | XX | Stated Remaining Term | 111 | 368 | -257 | -69.83695% |  | Initial |
| 116 | XX | XX | XX | Amortized Remaining Term | 86 | 70 | 16 | 22.85714% |  | Initial |
| 116 | XX | XX | XX | Loan Amortization Type | ARM | Fixed |  |  |  | Initial |
| 116 | XX | XX | XX | Original CLTV Ratio Percent | 95.000% | 96.780% | -1.780% | -1.78000% |  | Initial |
| 116 | XX | XX | XX | Original Standard LTV (OLTV) | 95.000% | 96.780% | -1.780% | -1.78000% |  | Initial |
| 116 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 98 | XX | XX | XX | Amortized Remaining Term | 76 | 77 | -1 | -1.29870% |  | Initial |
| 98 | XX | XX | XX | Any Borrowers Foreign National Indicator | Not Applicable | No |  |  |  | Initial |
| 98 | XX | XX | XX | ARM Interest Rate Rounding Factor | Round nearest 1/8 | Round nearest 1/4 |  |  |  | Initial |
| 98 | XX | XX | XX | Borrower #2 Last Name | XX | XX |  |  |  | Initial |
| 98 | XX | XX | XX | Interest Only Expiration Date | Not Applicable | 9/X/2002 |  |  |  | Initial |
| 98 | XX | XX | XX | Mtg Insurance Doc Status MI Cert in File? | Not Applicable | No |  |  |  | Initial |
| 98 | XX | XX | XX | Original Appraisal Date | XX | XX | XX |  |  | Initial |
| 98 | XX | XX | XX | Original Appraised Value | XX | XX | XX | -19.04761% |  | Initial |
| 98 | XX | XX | XX | Original CLTV Ratio Percent | Unavailable | 72.860% |  |  |  | Initial |
| 98 | XX | XX | XX | Original Standard LTV (OLTV) | 90.000% | 72.860% | 17.140% | 17.14000% |  | Initial |
| 98 | XX | XX | XX | Property Address Street | XX | XX |  |  |  | Initial |
| 98 | XX | XX | XX | Rate Adjustment Subsequent Cap Percent | 1.500% | 3.000% | -1.500% | -1.50000% |  | Initial |

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